Credit Analyst at United Bank for Africa (UBA) Kenya

Job description

We are seeking for suitable candidates to fill in the role of a Credit Analyst in our Credit department. The Credit Analyst’s role will be to provide administrative support to Credit and Risk Management. They will review all credit requests assigned to them and ensure compliance with standard regulations before disbursement.

Duties and Responsibilities

• Review and appraise all credit requests.
• Generate monthly statutory reports on credit reviews.
• Ensure compliance with all credit approval processes and procedures.
• Review deal memos and product programs with the view of optimizing credit facilities and products.
• Confirm risk ratings of all customers and advice business offices on appropriate steps to take
• Carry out all assigned tasks by the Chief Credit Officer.

Key Performance Indicators

• Turnaround time: Ensuring that credit requests are processed within agreed TAT credit policies and processes.
• Adherence to the banks credit policies and processe:. Zero occurrence of policy and regulatory breaches.
• Loan Book quality: NPL Cumulatively equal to or Less than 5%.
• Risk Asset target and asset yield: Providing effective business support to meet set asset targets and also ensuring higher risk assets yield and efficient pricing in line with budget.
• Market/Customer Satisfaction: Providing effective business support to meet set asset targets and also ensuring higher risk assets yield and efficient pricing in line with budget.

Key Competency Requirements

• Deep knowledge of credit analysis.
• In-depth industry and product knowledge.
• Computer literate with good understanding of Excel.
• Good knowledge of regulatory policies and guidelines.
• Knowledge of the Kenyan economy and market dynamics.

Job Requirements

• Bachelors' degree in any related field.
• 3 - 5 years cognate experience in corporate banking with a leading industry player.
• Additional professional qualifications in CPA/ACCA.