NBK Credit Analyst, Islamic Banking at KCB Bank Kenya

Job Description
Credit Analysis :

• Preparing quality credit applications. 
• Financial analysis of corporate 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. 
• Meeting Amanah clients 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. 

Enhance Customer Relationship: 

• Facilitate and accelerate business relationship through exceptional customer service to Amanah customers. Includes active engagement with customers from onboarding to managing Customer Retention. 
• Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises. 
• Handle customer service requirements like query resolution. 
• Effectively convert service recovery to sales opportunities and sustain client loyalty. 
• 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. 
• Gather competitive intelligence to determine what competitors are offering clients, product positioning and service offerings. 
• Continuously track market trends and ensure up to date knowledge of market offerings to be able to provide advice on potential business threats/opportunities. 

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. 
• Meeting clients’ requirements om need basis 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 borrowing customers both new to bank and existing customers. 
• Ensure zero operational loss and effective complaint management. 
• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating. 
• Identification of early warning signals for none performing accounts, tracking of early alert accounts and escalation to collections team where need arises. 

WORK EXPERIENCE

• 5-6 years of Commercial Banking experience of which at least 3 years of credit analysis exposure is a must. Have appreciation and operating knowledge of the banking industry, market, trends as well as challenges. 
• Demonstrable cross-cultural, people and relationship management skills, networking and negotiation skills, team motivation and leadership competence. 
• Strong analytical and interpersonal skills.
• Strong knowledge of local Islamic banking market and vision about future direction and market sensitivities.
• Excellent interpersonal, communication and presentation skills
• Some knowledge of the Bank’s lending principles, policies and procedures
• Ability to prioritize, meet deadlines and work under pressure
• Innovative and creative - ability to think creatively and develop innovative solutions.

QUALIFICATION &CERTIFICATIONS

• Bachelors’ Degree from a recognized University. 
• Master’s degree in a Business-related field from a recognized University is an added advantage.