Credit Analyst – Unsecured Assets at DIB Bank Kenya Limited (DIBBKE)

Job Purpose

To analyze and process all cases received at the Retail Credit Department to ensure they are within policy parameters and credit considerations. Also to assure proper authority compliance as per the approved delegated matrix.

Key Responsibilities

Discretionary Authority

• Make judicious use of delegated discretionary decision-making authority in the approval of all deviations from product policy and credit parameters as per the approved delegated matrix

Credit Policy, Product Manual & Operational Issues

• Meet targeted productivity levels and ensure adherence to service level agreement (SLA) and turnaround time (TAT)
• Ensure reduction in individual and overall error rates (error rate not to exceed 1% for any month)
• Ensure proper mitigation of the assigned delegation of authority laid down by the bank
• Identify and highlight all fraudulent activities thereby reducing risk exposure and increasing quality of analysis
• Ensure compliance with quality of authenticated documentation and policy parameters
• Ensure authenticity of data reported in the daily productivity sheet
• Ensure appropriate level of productivity output to enhance performance within given resources during peak load periods (month ends, promotions, etc.)
• Ensure deviation approvals from product and credit parameters are made according to the delegated authority matrix
• Ensure quality of detailed credit narrations and facilitate management approval

Credit Analysis & Assessment

• Analyze and process cases based on overall consideration of customer's profile, employment status, industry, financial position, existing liabilities, aggregate exposure to the bank, and capability of repayment
• Check customer's records with Central Bank Report, EMCredit, Collection & Blacklist to minimize risks associated with customer's integrity, credibility, repayment history, and relationship with other banks
• Ensure Contact Point Verification (CPV)