SENIOR CREDIT ANALYST

Working closely with the Head of Credit, ensuring all credit proposals/ appraisals are adequately articulated within the directions of the regulator and the internal guidelines while adhering to internally set Service Level Agreements (SLAs)
Countercheck and approve all applications analyzed by analysts and ensure they are processed within acceptable timelines.
Review branch loan supervision reports to ensure they comply with the set standards.
Ensuring that all conditions pertaining to disbursements are fulfilled prior to disbursement requests being processed.
Effective monitoring of loan repayments and mitigating risks related to defaults.
Handling Central Bank of Kenya reports at the branch level.
Monitor the credit granting and updating applications, periodic credit reviews, and deductions being taken by customers.
Portfolio monitoring and management that include mechanisms to identify early warning signals, proper collection mechanism/ recovery process
Maintain the portfolio quality (over dues, Portfolio at Risk values, non-performing advances, Impairment, Provisioning, etc.) within the set parameters by the management.

Full Time

Proven working experience of At least five (5) years in Credit analysis in a financial services environment.
Excellent knowledge of Credit Standards and procedures, Laws, rules, and regulations.
Knowledge of lending business and products.
Knowledge in debt recovery and collection.
University Degree in Business Administration, Accounts, or related field.
Management and Leadership ability: Have excellent interpersonal and people management skills.

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