Senior Credit Analyst

1. Evaluate and decision credit proposals (new, renewals, one offs, amendments) received from Corporate, Mortgage business units in line with specific credit guidelines as set within existing KCB Credit policy/manual/product documents, CBK Prudential guidelines, understanding of market, industry, economic factors, financial statements and recommending those beyond DLA for consideration while ensuring compliance with set TAT, SLAs and quality standards.
2. Verify and analyze credit information, documentation such as bank statements, financials, provided by RMs/Customers, and seek clarification if needed from other sources, liaise with RMs/Branches for queries, additional information/documents and business recommendations for deviations, if needed.
3. Support creation and update of new and existing credit processes, policy, manuals and product standards as relates to Corporate and Mortgage business.
4. Visit clients/centers/branches, independently or with RMs/Manager as part of the evaluation of credit proposals for better understanding of the client, business, and market.
5. Attend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Corporate and Mortgage Credit Unit.
6. Monitor Corporate and Mortgage portfolios for renewals, limits expiry, early vintage performance, migration, PAR.
7. Preparation of industrial reports/peer analysis papers on a variety of business, operational and financial indicators guided by respective industry reviews and industry information such as credit reports, press, magazines and other relevant sources.

POSITION QUALIFICATION REQUIREMENTS

1. Experience

2. Total Minimum No of Years Experience Required

   6 years

3. Detail	Minimum No of Years	Need Type[1]
   Corporate Credit Analysis	6	ES
   Risk Management	5	DE
   General Banking/lending	3	ES
   Debt Recovery	3	DE
   Managing Teams	3	ES

4. Academic & Professional