KEY RESPONSIBILITIES: 

• Lead comprehensive credit evaluations and reviews to thoroughly assess client credit risk and verify creditworthiness in alignment with KCB’s policies and regulatory standards.
• Generate precise and timely credit portfolio analyses, concisely communicating key findings and recommendations to stakeholders including Corporate Relationship Managers and Credit Risk teams.
• Take accountability for detailed financial statement spreading, assigning credit grades in accordance with internal scorecards, and document client risk profiles alongside risk mitigations, vigilantly monitoring for any credit-impacting developments.
• Collaborate effectively with Relationship Managers to originate credit assessments and maintain oversight of credit exposures to support sound decision-making.
• Conduct fraud risk assessments on client portfolios, documenting residual risks and recommending mitigants following the bank’s defined frameworks.
• Assist in identifying profitable business opportunities that maintain acceptable risk profiles, partnering with Relationship Managers and Product specialists to tailor product solutions.
• Perform in-depth credit analyses encompassing market dynamics and industry-specific risks.
• Portfolio monitoring and Analysis to avoid account migrations as well as covenant tracking.

MINIMUM POSITION QUALIFICATION REQUIREMENTS 

a. Academic & Professional

• Bachelor’s degree in Accounting, Economics, Finance or Business-related course is required.
• Professional Qualifications like Certified Credit Management, Credit Risk Management, or any other recognised credit certification course are required.
• Master’s degree in Economics, Finance or Business-related course is an added advantage.

b. Experience

• Minimum of 5 years experience in Credit Underwriting and Approval, Credit Portfolio Management, and Relationship Management.