Senior Credit Analyst

The Senior Credit Analyst at KCB Bank Kenya will be responsible for assessing and approving credit proposals for retail business units, including new applications, renewals, and amendments. This role involves ensuring strict adherence to KCB's credit policy, manual, product documents, and CBK Prudential guidelines, while also considering market, industry, and economic factors. The analyst will review financial statements, recommend proposals exceeding their delegated authority, and maintain high standards of quality and service level agreements. They will also support the development and review of credit processes, policies, and products, provide training to credit teams, and contribute to portfolio monitoring and remedial actions.

1. Evaluate and make decisions on credit proposals (new, renewals, one-offs, amendments) from Retail business units, adhering to KCB Credit policy, CBK Prudential guidelines, and market factors.
2. Verify and analyze credit information and documentation, such as bank statements and financials, seeking clarification from business managers or customers as needed.
3. Contribute to the creation and updating of credit processes, policies, manuals, and product standards for the Retail business.
4. Provide training and guidance on credit aspects to credit teams across the branch network through engagements and visits.
5. Offer input on the development of new and review of existing retail credit products and appraisal tools like scorecards.
6. Maintain strong relationships with business units through effective communication and resolving customer complaints.
7. Address audit requirements, respond to audit remarks, and ensure rectification within the Retail Credit Unit.
8. Support the review of the Retail portfolio by monitoring early vintage performance, migration, and non-performing loan ratios, recommending appropriate remedial actions.

1. Bachelor's Degree in any relevant area.
2. Professional qualifications such as ACIB/AKIB, CPA(K)/ACCA are an added advantage.
3. A Master's Degree in Business Administration is an added advantage.
4. Minimum of 8 years of total experience.
5. Experience in General Banking.
6. Experience in Credit Analysis and lending with delegated lending authority.
7. Experience in People management.
8. Experience in Stakeholder Management.
9. Experience in Credit Administration.
10. Experience in Customer/Relationship management.