ABC Bank is an indigenous Kenya bank with 33 years experience using the power of finance to support businesses and projects that benefit the people and the planet. We know that banking can be a powerful force for good: serving individuals and communities as well as building a more sustainable society. We are investing in our customer relationships to create a web of successful and satisfied individuals and businesses that are contributing sustainable communities that effectively play their role in the economy. We are constantly embracing new technologies to offer you a definitive banking experience as we empower you to ACHIEVE THE EXTRAORDINARY.Reporting to the Head of SME Banking, the Incumbent will work as part of the SME Banking Team to provide effective leadership and training to the Credit Analysts staff and manage all aspects of credit needs in Retail & SME Banking in order to deliver acceptable levels of quality of loans and advances and provide high quality services within the agreed service levels.
The incumbent will perform the amongst others the below responsibilities;
- Identify training needs among the Analysts and relationship teams in SME and Retail, classify the needs as Basic, Intermediate or Advanced.
- Conduct Basic, intermediate and Advanced Training to the credit Analysts and the relationship team.
- Liaising with the credit analysts at the service outlet to ensure quality proposals are provided to enable management reach a quality decision.
- Ensure that service levels are adhered to in relation to the Agreed TAT levels.
- Actions pertaining to performance recognition of credit analysts within the branches as provided for in human resources policies.
- Make decisions on inward clearing exception report requests, Temporary Overdrafts and Excess over
- Limits as provided for in the discretionary policy.
- Act as bridge between SME Banking & Retail Banking and the bank in developing products that are suitable for the bank and ensuring that they are within the current policy and if not then seeking waiver of the same form the relevant authorities.
- Make recommendations on the credit line proposals enabling the next level of authority to make sound credit decisions.
- Ensure that all credit proposals adhere to the laid down procedures, policies, Banking Act, prudential guidelines.
- Make contributions to product development team, ensuring that the new products add value to the existing products and developing processes and procedures for the same with a bias in credit.
- Analysis of SME and Retail credit proposals against cannons of lending.
- Approvals of ICERS, Excesses and temporary limits.
- Drawing up of new procedures and policies for the newly introduced products.
- Advisers of the credit analysis team on the outcomes in the market that would affect the business.
- Advise the relationship team on the restructuring of the NPLs and the Hardcore ODs.
- Maintain a Database of CLPs and their respective positions.
Minimum Qualifications, Knowledge and Experience
- University Degree preferably in accounting, finance or business administration from a recognized institution.
- Any professional qualification in Banking, Finance or Accounting
- More than 5 years banking experience at least 4 must be in Credit
- Ability to provide leadership that motivates staff to maximise their productivity and retention.
- Knowledge of all lending products and the level of complexity inherent in those products.
- Ability to analyse all lending proposition and make sound recommendation/decision that will not adversely affect the Bank in the circumstances.
- Knowledge of changes taking place in both micro (banking industry) and macro (global) environment and ability to apply this knowledge to the benefit of the Bank.
- Ability to Disseminate information through training and coaching
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