JOB DETAILS:

Job Purpose Statement

To provide credit support to NCBA Business functions covering Corporate & Business Banking Customer Relationships. To provide financial information and analysis, including market intelligence for use in the preparation of credit reports. In liaison with the Relationship Managers, prepare credit reports for review by the credit committed

Key Accountabilities (Duties and Responsibilities)

Financial
Revenue growth/ Cost management-
•    Excess /NPL management - NPL to be below 5%
•    Introduce new business/ accounts to the bank.
Internal Business Process
TAT Adherence and Improvement-
•    Processing of credit applications (New, Renewal, Review, Extensions) for SME and Corporate clients within agreed TAT
•    Ensuring only quality credit applications are forwarded to approvers for review.
•    Helping to enhance the quality of credit applications by assisting the relationship teams on proper products and facility structuring.
•    Attendance of New Business committee and portifolio review meetings
Adherence to Bank operational processes, controls, compliance and policies
•    Ensure that early warning signals detected in any of the Bank’s client are reported for immediate analysis and risk mitigation.
•    Ensure compliance to KYC/AML Guidelines
•    Ensure lending within credit policy. Exceptions to be authorized at appropriate levels.
Active and productive engagement with stakeholders-
•    Carry out Joint client visits with relationship teams
•    Proper portfolio management reviews through continuous follow up with RMS
Reporting and Early alert- 
•    Ensure SLA, TAT, Productivity and other reports are accurate and regularly reviewed with relevant teams.
•    Maintain an incidence log with information on major exceptions picked from applications and use those to give constructive feedback and improve TAT and overall processes.
SLA Achievement and Customer Experience innovation initiatives-
•    SLA Achievement to be maintained at minimum 90% and above at all times.
•    Develop 2 new method, idea, process re-engineering or product improvement per annum. This should have a positive impact to Credit Risk Management.
Learning and growth-
•    Ensure to achieve at least 50 hours of learning/training for self through E-learning, Internal & External training activities.

Job Specifications

Academic:

• Bachelor’s Degree in business studies; Commerce (Finance, Accounting, Business administration) or equivalent (achieve 2nd class and above)
• Master’s Degree will be an added advantage

Professional:

• CPA , ACCA or any other Accounting qualification
• Credit Risk Management Or Analysis qualification

Desired work experience: 

• Minimum of 3 years’ banking experience in a lending/credit risk appraisal environment or equivalent
• Good understanding of regulatory requirment in lending.
• Good understanding of Credit risk policies and Product guidlines.
• Ability to produce quality credit paper with minimal re-work
• Understanding of the local competitor market