Openings at DIB Bank Kenya Limited (DIBBKE)

Key Responsibilities

• Ensure all credit proposals adhere to the laid down procedures, policies, Banking Act, Prudential Guidelines, Islamic rules and regulations and various product programs while ensuring that any policy breaches are properly authorized at the correct approval level.
• Analysis of commercial and business banking credit proposals and recommendation of quality assets to enable the next line of authority to make an informed decision.
• Ensure all credit proposals are analyzed in terms of general credit worthiness, risks and mitigation thereof, adequacy of security, documentation compliance, compliance with individual/group exposure limits, covenants compliance, sectoral limits/concentration, country limits and signing off on the proposal.
• Analysis of the Treasury credit proposals including money markets, foreign exchange forwards/ SWAPs amongst others.
• Ability to analyze and interpret the financial statements and cashflow projections for companies, Financials of Banks and other /Financial Institutions accurately.
• Support the business teams in new business origination by accompanying them for client’s visits and guiding them in preparation of the appraisal documents.
• Review new product programs and the existing ones to ensure the various risks are well mitigated.
• Co-ordinate with other departments which are involved in the process of granting credits e.g., Commercial Banking, Treasury, Business Banking etc., and analyze workflow and business processes for implementation of approved facilities.
• Monitor compliance of the credit policies and procedures and make any necessary recommendations for changes where necessary for consideration on an annual basis.
• Monitor changes and trends for various business segments financing portfolio on periodical basis, analyse reasons for the changes and discuss it with the Head of Credit.
• Review of monthly MIS of the portfolio managed covering exception reports, utilization of facilities, past-dues, expired credits, concentration of risk covering group exposure and industry concentration.
• Propose changes to the economic sector limits in line with financing projections from business units and concentration risk considerations.
• Ensure that the service levels are adhered to in relation to the agreed TAT levels.
• All the above accountabilities including but not limited to any additional/new tasks or responsibilities assigned by the line Manager.

Education:

• Bachelor’s degree in Accounting / Statistics / Computer Science / Business Administration or related field from a recognized university.
• Any professional qualification in Banking, Finance or Accounting is an added advantage.

Training/Skills

• Knowledge of all lending products and the level of complexity inherent in those products.
• Ability to analyse all lending propositions and make sound recommendation/ decision that will not adversely affect te Bank in the circumstances.
• Awareness of the Central Bank of Kenya regulation and local laws regarding lending facilities and default borrowers
• Critical assessment of proposed credit facilities, security and their realization values.
• Knowledge of changes taking place in both micro (banking industry) and macro (global) environment and ability to apply this knowledge to the benefit of the Bank.
• Credit decision in accordance with Islamic principles.
• Foundations and principles of Islamic finance.

Work Experience :

• 3 – 4 years’ credit experience in the financial services industry

go to method of application »

Key Responsibilities

• To provide ongoing technical maintenance and usage support of business applications in order to maintain their reliability and business benefits.
• To provide expertise as a Team Member for the Application Support Team.
• To update the superiors as per the reporting structure on the status of the overall issues and resolutions
• To coordinate and provide on-call support assignment and problem resolution for applications maintained by Application Support Team.
• To maintain updated knowledge with respect to relevant technology, equipment, and/or systems.
• To track all pending issues and ensure the resolution of the same as per the agreed priority and timelines.
• To provide on-call support and problem resolution for computer applications, including post office hours and holidays.
• All the above accountabilities including but not limited to any additional/new tasks or responsibilities assigned by the line Manager.

Education:

• Bachelor degree / Diploma in Computer Science or equivalent.

Training/Skills

• Application Management skills
• Process Management skills
• Knowledge of Islamic Banking principles and Shariah laws

Work Experience :

• Minimum 3 years of experience in similar domain.

Competencies:

• Problem Solving
• Assertiveness
• Team Orientation
• Flexibility

go to method of application »

Key Responsibilities

• 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
• Analyzing 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
• All the above accountabilities including but not limited to any additional/new tasks or responsibilities assigned by the line Manager.

Education:

• Bachelor’s degree in Accounting / Statistics / Computer Science / Business Administration or related field from a recognized university.
• Any professional qualification in Banking, Finance or Accounting is an added advantage.

Training/Skills

• Knowledge of all lending products and the level of complexity inherent in those products.
• Ability to analyse all lending propositions and make sound recommendation/ decision that will not adversely affect te Bank in the circumstances.
• Awareness of the Central Bank of Kenya regulation and local laws regarding lending facilities and default borrowers
• Critical assessment of proposed credit facilities, security and their realization values.
• Knowledge of changes taking place in both micro (banking industry) and macro (global) environment and ability to apply this knowledge to the benefit of the Bank.
• Credit decision in accordance with Islamic principles.
• Foundations and principles of Islamic finance.

Work Experience :

• 3 – 4 years’ credit experience in the financial services industry.

Competencies:

• Analytical and Innovative Thinking
• Leadership
• Planning and Organizing
• Problem Solving Skills
• Team Orientation