Credit Analyst – Secured Assets at DIB Bank Kenya Limited (DIBBKE)

Key Responsibilities

• Judicious use of the delegated discretionary decision-making authority in the approval of all deviations from product policy and credit parameters as per the approved delegated matrix
• Credit Policy, Product manual & Operational issues:
• Meeting the targeted productivity levels and to ensure adherence to service level agreement (SLA) and turnaround time (TAT)
• To ensure reduction in individual and overall error rates (error rate not to exceed 1% for any month)
• To ensure proper mitigation of the assigned delegation of authority laid down by the bank.
• To identify and highlight all fraudulent activities thereby reducing risk exposure and increasing quality of analysis.
• To ensure Compliance to quality of authenticated documentation and policy parameters
• To ensure authenticity of data reported in the daily productivity sheet
• To ensure appropriate level of productivity output to enhance within given resources in times of peak load (month ends, promotions etc..)
• To ensure deviation approvals from product and credit parameters as per the delegated authority matrix
• To ensure Quality of detailed credit narrations and to facilitate management approval
• Analyzing and processing cases based on overall consideration of customer’s profile, employment status and industry, financial position, existing liabilities, aggregate exposure to DIB Kenya and capability of repayment
• Checking customer’s records with Central Bank Report, EMcredit, Collection & Blacklist to minimize risks associated with customer’s integrity, credibility, repayment history and relationship with other banks
• To ensure Contact Point Verification (CPV) is completed
• To ensure accuracy of daily/monthly data capture for MIS reports
• To conduct internal self audit on processed cases and maintain low risk rating review by audit
• Adherence to Standard Operating Procedures (SOP) and Ensuring Quality Service to customers
• All the above accountabilities including but not limited to any additional/new tasks or responsibilities assigned by the line Manager.

Education:

• Bachelor’s degree in Accounting / Statistics / Computer Science / Business Administration or related field from a recognized university.
• Any professional qualification in Banking, Finance or Accounting is an added advantage.

Training/Skills

• Knowledge of all lending products and the level of complexity inherent in those products.
• Ability to analyse all lending propositions and make sound recommendation/ decision that will not adversely affect te Bank in the circumstances.
• Awareness of the Central Bank of Kenya regulation and local laws regarding lending facilities and default borrowers
• Critical assessment of proposed credit facilities, security and their realization values.
• Knowledge of changes taking place in both micro (banking industry) and macro (global) environment and ability to apply this knowledge to the benefit of the Bank.
• Credit decision in accordance with Islamic principles.
• Foundations and principles of Islamic finance.

Work Experience :

• 3 – 4 years’ credit experience in the financial services industry.

Competencies:

• Analytical and Innovative Thinking
• Leadership
• Planning and Organizing
• Problem Solving Skills
• Team Orientation