Credit Analyst – Business Banking at DIB Bank Kenya Limited (DIBBKE)

Key Responsibilities

Credit Analysis

• Preparing quality credit applications.
• Spreading of financial statements, credit grading and raising appropriate concerns.
• Financial analysis of SME/Business Banking customers using credit skills, ratio analysis; judgment of management and business strategy.
• Verifying that securities provided are up to standard and forwarded for approval in line with the credit policy
• Evaluation and understanding of risk associated with individual transactions, products and borrowers.
• Conducting joint meeting with Relationship Managers/Unit head to meet Business Banking clientele when required to achieve clear understanding of their business with key focus on risk analysis.
• Assist Relationship Manager to monitor credit quality by highlighting early warning signs of credit deterioration.
• Ensure compliance with Bank’s policies and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level.
• Preparation of industry analysis reports.
• Annual Review and custodian of credit files

Enhancing Customer Relationship: 

• Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.
• Together with the RM, offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters. 

Portfolio Management/ Risk Management & Control:

• Proactively manage risk and exposure for assigned portfolio continuously. 
• To ensure Compliance to quality of authenticated documentation and policy parameters.
• Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence.
• Management and Control of daily overdrawn and unfunded accounts, Cheque and payment referrals from the branches.
• Meeting clients’ requirements while ensuring compliance with all regulations and controls as set by the Bank and external regulatory authorities. 
• Awareness of all the policies and procedures issued by the Bank and ensuring strict adherence. 
• Ensure KYC and AML compliance for all new to bank and existing customers. 
• Ensure zero operational loss and effective complaint management. 
• Report any suspicious transaction immediately to the supervisor 
• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating.
• Adherence to Standard Operating Procedures (SOP) and Ensuring Quality Service to customers.
• Attending to daily overdue/excess report and Identification of early warning signals for non performing accounts, tracking of early alert accounts and escalation to collections team where need arises.
• Responsible for maintaining and updating credit files mirror  by ensuring all information is up to date and correctly filed.
• Management of Post Approval procedures: managing security checklists by ensuring that each security item detailed in the checklist is followed up by the respective RM and lodged with Credit Administration to ensure seamless disbursement/booking of facilities

Key Performance indicators:

• Quality Credit Origination, Monitoring and Control.
• Annual Renewal of all credit files (zero exception).
• Preparation of Credit files within stipulated timelines.
• Preparation of pipeline reports within stipulated timelines.

Education

• Bachelor’s Degree
• Holders of Associate of the Kenya Institute of Bankers (AKIB) are encouraged to apply.

Training / Skills

• Strong analytical and interpersonal skills
• In depth knowledge of SME banking products and DIB strategy & policies.

Work Experience

• 3-4 years of SME Banking experience of which at least 2 years of credit analysis exposure is a must.

Competencies

• Effective leadership, decision-making and team building skills
• Ability to work in a cross-cultural environment
• Team Player
• Strong analytical and interpersonal skills
• Strong knowledge of local SME & BUSINESS banking market and vision about future direction and market sensitivities
• Ability to meet strict deadlines