Head - Credit Administration, Policy & Governance at KCB Bank Kenya

Job Description

• To maintain the quality of check off loans’ portfolio through effective loan administration, monitoring and control for corporate and mortgage loans.
• Be the custodian of all credit and lending policies and governance frameworks including their periodic reviews and updates.
• Manage credit information sharing with the CRBs a in line with the CRB regulations Act. 
• Reviewing, developing, and implementing credit policies and strategies and ensure that the Bank maintains a sound loan portfolio with respect to compliance with state laws and regulations, Bank lending policies and procedures, risk appetite and best practices.
• Ensure adherence to risk management framework in identifying, controlling, monitoring and reporting of all risks. Work with respective unit heads to drive the development and execution of the Business Continuity Plans (BCP) and operational risk and implement effective control measures and monitoring plans for compliance and operational risk management.
• Ensure the portfolio management controls for grades 10 and 20 are effective at branch level and at regional portfolio management office level.
• Lead periodic reviews of credit portfolios to mitigate exposure to non-performing facilities.
• Ensure the Business teams under Retail Banking and Corporate Banking Credit authorities adhere to the policy regarding the credit authority discretions and excess.
• Generate Management information reports for control of the credit portfolio for the bank and for regulatory purposes.
• Maintain the SLA standards for credit information sharing complaints raised by customers.
• Monitor the construction loans to ensure that the conditions precedents are complied with.

Academic & Professional
Particulars    Detail    Specific Field or Qualification

Education

• Bachelors Degree    Business related    RQ

Professional Qualifications

•  Accounting or business related    RQ
• Master’s Degree    Business Administration    AA

Experience

Total Minimum No of Years Experience Required

• 10 years

Detail    Minimum No of Years

• Credit management    10     ES
• Credit administration     8     ES
• Credit/lending policy development and management    5    ES
• Lending products development    5     ES
• People management    8    ES
• Stakeholder management    8    ES
• Credit data analytics and analysis tools    5    ES
• Bank operations    5    ES
• Customer relationship management    5    ES