Senior Officer, Credit Analysis and Portfolio

Job Purpose

Oversee the performance and risk profile of the credit portfolio by proactively monitoring customer accounts, identifying emerging risks, ensuring compliance with credit policies, and supporting early remediation actions to protect asset quality and minimize losses.

Closely collaborate with Relationship Managers from credit origination and play a vital role in renewals to add value from a credit and policy perspective. Support credit risk assessment on assigned customers and monitor accounts on a daily basis to ensure adherence to approved facility structures.

Key Responsibilities

Financial

• Prepare monthly performance reports as required by Head of Credit and relevant committees
• Develop awareness of the bank's portfolio of products including Corporate Finance, investments, FX, retail, and deposits
• Present required data for periodic achievement and performance reports as needed

Customer

• Conduct proactive customer reviews and site visits to assess financial health and business sustainability
• Review daily balances of all clients and recommend appropriate transfers or bookings to cover overdrawn accounts based on understanding of customer facilities and limits
• Ensure close follow-up of latest developments to maintain strong relationships and report any discovered negative outlooks
• Support collections teams in managing deteriorating accounts to minimize potential losses

Internal Business Process

• Follow all relevant department policies, processes, standard operating procedures, and instructions to ensure work is carried out in a controlled and consistent manner
• Comply with all relevant Central Bank of Kenya regulations, banking laws, AML regulations, and internal CIB Kenya policies, particularly the Credit Policy guide and code of conduct, to maintain sound legal position and mitigate potential risks