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

Job Purpose

To analyze and process all cases received at Retail Credit Department are within policy parameters and credit considerations. Also to assure proper authority compliance as per the approved delegated matrix

Key Responsibilities

Discretionary Authority:

• 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
• Analysing 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.

Job Complexity / Judgment

• Make recommendations and improvements to the management for making credit decisions.
• Take Corrective actions on un-authorized exceptions

Key Relationship (Internal & External)

Internal:

• All DIB Kenya departmental staff and internal customers: especially
• Managers Retail Credit Department.
• Assistant Managers & Team Leaders Retail Credit Department.
• Senior Credit Analysts
• Branch Managers
• Customer Service Officer at Branches and Sales Staff

Job Specification

• Graduate in Accounting / Statistics / Computer Science / Business Administration.
• Financial and retail credit applications knowledge
• Sound interpersonal & communication skills and an eye for details
• Administrative skills.
• Good PC skills
• 2-3 years’ experience of financial services industry
• Good command over written and spoken English.
• Credit awareness