Offre fiable
Credit Analysis Officer
Commercial International Bank (CIB) Kenya
Nairobi, Kenya
CDI
Publiée il y a 1 mois · Expire dans 3 semaines
Description du poste
This vacancy presents a chance to join a leading organization.
Job Purpose Statement
- To conduct detailed assessment of credit customers and ensure accuracy of financial and non-financial qualitative and quantitative information analysis in order to ensure the client credit worthiness & maintain CIB Kenya seniority, protection & control and efficiently monitor the customers’ performance.
- To support the credit risk assessment on assigned customers and monitor accounts on daily basis to ensure abidance to approved facility structures.
- Analyze monthly performance reports for direct and contingent facilities to come up with recommendations to the senior credit officer regarding utilization patterns.
- Develop awareness of the bank’s portfolio of products including Corporate Finance, investments, FX, retail, deposits
- Present required data for the periodic achievement and performance reports as needed.
- Respond to clients’ day-today inquiries and requests and ensure clients’ problems are addressed promptly and that they receive top quality service.
- Review daily balance of all clients and recommend the appropriate transfers/bookings to cover overdrawn accounts based on understanding of the customer’s facilities, limits, documentation.
- Ensure close follow up of the latest development to be on the top of the relationship and always report any discovered negative outlooks.
- Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.
- Comply with all relevant CBK regulations, banking laws, AML regulations and internal CIB Kenya policies especially the Credit Policy guide and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks.
- Ensure the timeliness and quality, accuracy and depth of the annual reviews/memos/site visits call memos presented and verify the data incorporated in such reviews.
- Support workflow and IT enhancement projects to reduce the TAT and ensure smooth workflow.
- Monitor non-performing accounts through past due reports, highlight problems if any and rectify them via the appropriate financing schemes.
- Monitor all accounts on a daily basis through customers’ position/balances reports.
- Perform the accurate spreading of audited financial models as well as projected figures in line with the historical account performance and in accordance with current and expected market changes to ensure that the presented scenario is logical, attainable, and defensible based on available market and peer analysis.
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