Credit Risk Analyst -Personal Banking at Equity Bank Kenya

ROLES AND RESPONBILITIES:

• Complete a thorough, in-depth analysis of new credit requests, credit change requests, renewals and restructure and make recommendation for presentation to the Credit Committee
• Liaise with employers in confirming the status of employees in reference to terms of employment and if any reservation.
• Accuracy of data capture in 3rd party systems/data base i.e. online booking of loans especially Teacher service commission through their data base for easier administration and reporting.
• Cary out competitor’s matrix and advice to remain competitive in the market.
• Observing the Memorandum of understanding between the employers and the Bank to ensure smooth loan administration.
• Achieve Turn-Around-Times (TATs) per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Credit Risk from branches.
• Maintain a good working knowledge of the Bank’s lending policies and procedures and identify exceptions to policy.
• Ensure that all credit files are complete, identify any documentation deficiencies, and report to Relationship Officer ,Credit Admin & BHOC as needed for timely resolution.
• Review loan files as needed to ensure quality, consistency, and compliance with lending guidelines.
• Review of excess request due to inward cheques on a timely manner while mitigating on credit risk.
• Provide technical advice or other assistance to loan officers as needed.

COMPETENCIES:

• Able to adjust quickly to different work situations; remain composed under pressure and stressful situations.
• Must be able to understand employment income and documentations on the same and understand financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) where one consider incomes from both and apply those skills as they pertain to the loan underwriting process.
• Must be able to understand the government policy on consumer lending in relation to 1/3 rule policy.
• Must be able to understand the market trends and changes in the employment industry.  
• Must be organized, efficient, and able to work independently and be detail oriented in order to generate accurate reports.
• Attention to Detail is Key: Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and meet strict deadlines.
•  Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
•  Principled and self-confident.

EDUCATION AND SPECIAL REQUIREMENTS:

• Bachelor’s degree preferably in business, finance or accounting.
• At least 5 years of credit experience in lending.
• Must be a top performer- Average rating of  3.0