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  • Posted: Mar 26, 2019
    Deadline: Not specified
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    Commercial Bank of Africa Ltd (CBA) is the largest privately owned bank in East Africa and has been operating for over 50 years. CBA was founded in Tanzania and branches were set up in Kenya and Uganda shortly thereafter. CBA began as a subsidiary of Societe Financiere pour les pays D’Outre Mer (SFOM), a Swiss-based consortium bank. Other consorti...
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    Porfolio Analyst

    DEPARTMENT: NEW BUSINESS VENTURES

    REPORTS TO: CREDIT OPERATIONS MANAGER

    JOB PURPOSE STATEMENT

    The purpose of this role is to maximize the recovery of the NBV Debt Portfolio in all markets that CBA shall operate in (currently 5 markets; 25Million customers and Group Balance Sheet size of Kes.13Billion) through co-ordination of the daily activities of the internal and/or outsourced Collections Teams, ensuring corrective actions are identified on time in pursuit of maximizing recovery of unpaid debts in a cost effective and efficient manner.
    To actively monitor portfolio performance through reviewing, compiling and analysing monthly portfolio reports, identifying data patterns and trends from available information sources, interpret the trends and highlighting the credit risk concerns for discussion of the trends with Business Heads and Product Managers and recommending action to mitigate credit risk concerns; monitor and follow-up performance of the non-performing loans portfolio.
    To ensure full compliance with The Group Credit Policy, Banking Act, and CBK Prudential Guidelines, Credit Reference Bureau (CRB) Regulations, Co-operation Agreements; and preparation of portfolio reports to stakeholders.

    KEY RESPONSIBILITIES

    • Responsible for the monitoring of the NBV loan portfolio within set NPL and collection targets, preparation and recommendation of strategies to ensure maintenance of a quality portfolio; and timely reporting to indicate trends and performance of the NBV loan book; including but not limited to reports for review by the Management and Board
    • Credit Committees and Sovereign Central Banks. (40%)
    • Conduct periodical stress tests & provide new dimensions of portfolio analytics on assigned portfolio that support Business growth and quality of portfolio. (20%)
    • Allocate and coordinate the activities of the Collections Teams in liaison with Team Leaders of Business Partners/Outsourced Service Partners and making recommendations of how to maximize quality service delivery. (30%)
    • Ensure consistency in adherence to and effective application of established credit portfolio risk compliance systems (policies, processes, and tools) to achieve optimal efficiency and cost containment. (10%)

    CBA(K)HR DEPARTMENT 2019

    COMPETENCIES

    • Proven experience in an analytical role in a manner that consistently achieves established quality standards or benchmarks.
    • Portfolio monitoring skills to effectively evaluate the portfolio and generate reports, activities/tasks in a manner that consistently produce high quality of service.
    • Knowledge of BI Reporting Platform (e.g. T24, Insight or similar)
    • Performance management to optimize personal productivity.
    • Strong oral and written communication skills with business heads and product managers to articulate risk concerns and recommendations where the risks are evident.
    • Interpersonal skills to effectively communicate with and manage expectations of internal customers and other stakeholders who impact performance.
    • Planning and organizing to effectively structure work assignments and ensure timely delivery of Portfolio Reports.
    • Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
    • Good customer and market insight.
    • Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-service oriented culture.

    QUALIFICATION AND EXPERIENCE REQUIREMENT

    • University degree preferably in Actuarial Science, Statistics, Finance or Business Administration,
    • Proficiency and Practical experience in data analytics and use of relevant MIS, BI & MS Office applications.
    • Strong IT skills and experience with office automation tools.
    • Experience with portfolio management and reporting.
    • 4 years banking experience with at least 3 years covering credit management and/or portfolio analysis

    Method of Application

    Interested and qualified? Go to Commercial Bank of Africa Ltd (CBA) on cbagroup.com to apply

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