Offre fiable

SME Credit Analyst

Family Bank Ltd

Nairobi, Kenya CDI

Publiée il y a 2 mois · Expire dans 3 semaines

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Description du poste

A dynamic team is expanding and looking for the right talent. Job Purpose:
  • Handling SME credit applications by conducting thorough appraisal while mitigating credit risk and ensuring compliance with the laid down bank lending policies and procedures
Key Responsibilities:
  • Responsible for credit underwriting, proper loan structuring, applicant interviewing, and perceptive character judgment.
  • Conduct thorough analysis of financial statements and assessment of corporates credit applications, including new clients & existing clients.
  • Present analysis, findings, and recommendations to Credit Department, especially findings that involve a borrower’s ability to repay
  • Develop and prepare spreadsheets and models to support analysis of new and existing corporate credit applications.
  • Coordinate with Credit Department to ensure applications are processed within agreed TAT and escalate violations to the Head – MSME.
  • Monitor portfolio performance, ensuring delinquencies and non-performing loans (NPLs) remain within acceptable thresholds.
  • Ensuring Credit Policies, Product Profiles and set timelines are adhered to in appraising corporate credit facilities.
  • Maintain high professional standards and strive to provide quality services and competitive pricing to clients.
  • Ensure full compliance with KYC, AML, and regulatory requirements, maintaining up-to-date client records.
  • Adhere to the bank’s policies, standard operating procedures, and central bank regulations
  • Ensure high audit rating is attained.
  • Work in close co-operation with the Credit teams to ensure all necessary documentation is completed and all the procedures have been adhered to prior to drawn down.
  • Ensure high audit rating is attained.
  • Any other official duty that may be allocated from time to time.
Required Qualifications: & Experience
  • Hold a bachelor’s degree in business, Accounts, Finance or related field.
  • Professional Credit or Accounting qualifications a plus.
  • Have a minimum Banking experience of at least five (5) years
  • Strong Knowledge in Credit and Risk Analysis, risk assessment and structured financing.
  • Proven ability to build and manage high-value corporate customers
 

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