Manager, Credit Initiation at Standard Chartered Bank Kenya

• Appraising and approval of Personal loans, Credit cards, Auto loans, Home Loans, Over Draft facilities and Business Clients applications falling within delegated authority and supporting those outside the authority;
• Ensuring that Retail/Business clients Credit Policy and standards are complied with and that all applications received are subject to these and the established processes and rules.

Key Roles and Responsibilities

• Processing and approval of Retail/BC clients falling within delegated authority and supporting those outside the authority;
• Managing the day-to-day operations of credit analysis/approval process to ensure effectiveness and efficiency.
• Identifying areas of weaknesses and risks in the credit process and escalating these to the manager retail risk operations
• Ensures that application processing is within the set turn-around timeframes.
• Exercise diligence, independence and good judgement in credit decision that will ensure quality RC/BC portfolio with minimum delinquency and LI;
• Any other duties assigned from time to time
• Legal, regulatory, economic and compliance including the following;

-Ensure compliance with the Group’s standard and regulatory requirements pertaining to money laundering and KYC;
-Participate in and/or support the Bank’s effort to combat money laundering;
-Exercise due care and diligence on matters related to Money laundering and KYC in the day to day operations, which include account opening and reviews, transaction monitoring, reporting suspicions, customer communication, implementing new requirements, updating and revising operating procedures, acquire relevant knowledge and training, provide support to superior and subordinates.

Qualifications and Skills

• Graduate with 2 year experience in Credit or business.
• Personal credit skills
• Good negotiation and communication skills.
• Understands market trends and can interpret impact on the Retail portfolio
• Full knowledge of Retail Bank Products and those of the competitors
• Good Computer skills with knowledge of the Credit MIS
• Strong analytical skills and attention to detail
• Basic Project management skills

Diversity and Inclusion

Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential