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  • Posted: Nov 24, 2022
    Deadline: Dec 3, 2022
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  • Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.

    Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...
    Read more about this company

     

    Retail Credit Quality Assurance Officer

    Overall Job Purpose

    • The Retail Credit Quality Assurance Officer will perform call back verification and perform a gating function for quality of applications from branches.
    • Further, the role holder will oversee fulfilment at both the valuation and conveyancing stages of secured scheme applications customer journey
    • He/she will oversee the handshake process of applications between business assurance and scheme administration

    Principle Accountabilities

    • Perform call back verification for loan applications and statements.
    • Custodian of call back tools like scheme contacts, signatory sample signatures and the phone system.
    • Perform a gating function for quality of applications from branches. He/she will check KYC compliance, completeness of financial information provided and proper execution of forms.
    • Monitor fulfillment at both Valuation and conveyancing stages of secured applications process. He/she will ensure that fulfillment takes the shortest time possible
    • He/she will ensure that applications have been properly on boarded in the system and invoices submitted to the employers.
    • Provide MIS on quality of applications through analysis, reports and updates for decision making by business.
    • Follow up for timely receipt of loan repayment instalments and application of the same on time.
    • Escalate cases of non-payment / default to the client scheme administrator and debt collection team.
    • Full reconciliation of loan repayments, loan balances and related deposits (where applicable) with any variances raised with the Schemes on a monthly basis
    • Issuance of stop orders of the cleared loans to companies.
    • Manage customer issues, queries and complaints as well as deliver high quality service.
    • Any other duties as maybe assigned by the line manager

    Minimum Qualifications, Knowledge and Experience

    • Bachelor's degree in business or finance related subjects from a recognized university.
    • 3-5 years banking experience 2 of which must have been in loans administration.
    • Knowledge of Credit and Operations.
    • Computer /IT skills, including knowledge of Microsoft office applications e.g. Word; Excel; PowerPoint etc.
    • General knowledge in banking processes.

    Key Competencies and Skills

    • Excellent written and oral communication skills.
    • Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
    • Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
    • Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention and problem-solving skills.
    • Basic analytical ability with active listening skills.
    • Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
    • Ability to maintain confidentiality of sensitive information.
    • Willingness to adapt to changing business needs and deadlines.

    go to method of application »

    Retail Credit Analyst

    Overall Job Purpose

    To support the Business team in channeling out quality credit applications.

    Principle Accountabilities

    Relationship Management

    • Providing an interface between the bank, existing and prospective customers in order to maintain good customer relations, so as to meet customer needs within the strategic objective of the bank.
    • Overseeing the relationship management of assigned customers through maintenance of an effective call program.
    • Make recommendation for existing and prospective customers under the various loan products and submit to the appropriate final authority within established turnaround time.
    • Run with a customer experience initiative to build customer loyalty for allocated portfolio.
    • Attend expeditiously to queries / routine correspondence generally emanating from Clients, Credit Administration, Risk Control, branches and customers.
    • Obtain account statistics and profitability figures for facilities review/appraisal purposes and ensure that information provided is accurately completed and that relevant remarks are incorporated in the credit proposal.

    Credit Appraisals

    • Prepare and submit credit proposals in conformity with Credit Policy guidelines and requirements in liaison with the Relationship Managers and to maintain a high standard of credit analysis.
    • Collect and analyze vital data on clients i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings etc. to acquire in-depth knowledge which will facilitate comprehensive review of assigned accounts relationships and relationships assigned to the Relationship Managers.
    • Obtain account statistics and profitability figures for facilities review/appraisal purposes and ensure that information provided is accurately completed and that relevant remarks are incorporated in the credit proposal.
    • Review all existing clients’ facilities on time.
    • Prepare excess approval requests/notification for all excesses

     Operations & Audits

    • Daily monitoring of accounts to ensure operations within the approved limits.
    • Taking remedial action by pursuing customers on regularization of overdrawn positions.
    • Preparations of excess requests/notification for all excesses and follow up for sanctions by approving authorities.
    • Prepare Alco report every end-month.
    • Confirmation of Interest rates every end of month.
    • Prepare assigned portfolio monthly reports on a timely basis as is required from time to time for sign off by RMs.
    • Issuance of disbursement instructions to Credit Operations and Trade Services within approved facilities.
    • Give instructions to un-pay cheques when accounts are underfunded in consultation with RMs.
    • Attend to audit queries, perform snap-checks monthly and ensure that any anomalies/exceptions are sorted out.
    • Ensure instructions to our lawyers are sent out by securities department to proceed with perfection of securities.
    • Continuous follow-up with Securities department to ensure timely documentation and perfection of securities.
    • Ensure compliance with security perfection e.g. payments of land rent and rates, insurance etc.

     Income generation &  Cost Containment

    • Supporting the RMs to achieve set income targets (Interest income and Non-interest income)
    • Undertake RM’s responsibility when the RM is away.
    • Ensure all income is collected.
    • Keep telephone conversations brief and concise.
    • Optimal use of stationery and recycle where applicable.
    • Cross-selling other Bank Products.

    Minimum Qualifications, Knowledge and Experience

    • Minimum of 4 years’ experience in banking and financial analysis 2 of which must be credit department or credit related area.
    • CPA qualifications
    • Credit Management, Accounting or Banking Qualification (AKIB)
    • Knowledge of Credit and Operation
    • Computer /IT skills, including knowledge of Microsoft office applications e.g. Word; Excel; PowerPoint etc.
    • General knowledge in banking processes.

    Key Competencies and Skills

    • Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
    • Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
    •  Analytical business and investment appraisal Skills: Keen to detail and able to conceptualize financial investment proposals and provide viable solutions.
    • Technology Skills: Computer literate with proficiency in computerized financial analysis applications.
    •  Industry knowledge: Candid knowledge of the various sectors of the economy and the investment opportunities.
    • Excellent written and oral communication skills.
    • Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
    • Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
    • Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention and problem-solving skills.
    • Basic analytical ability with active listening skills.
    • Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
    • Ability to maintain confidentiality of sensitive information.
    • Willingness to adapt to changing business needs and deadlines.

    Method of Application

    Use the link(s) below to apply on company website.

     

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