Reporting to: General Manager – Operations
Station: Head Office – Embu
Responsible for ensuring compliance with internal Credit Policies and Procedures and facilitating Management of Credit Risks in line the CBK prudential guidelines.
He /she shall safeguard the institution against loss by ensuring accuracy, completeness and credit worthiness of all the requests for loan facilities and recommend appropriate risk mitigation mechanisms
Key responsibilities and skills:
Ensuring compliance of all internal and regulatory credit/other portfolio related policies;
Ensure high turnaround time (TAT) for Credit proposals
Ensure that all appraisal decisions meet the agreed SLA
Ensure all disbursed consumer loans are forwarded in time
Co-ordinate efforts together with Internal Audit and Branches to ensure adherence to the Credit Policy and lending guidelines
Work closely with Operations , Audit and Legal departments to maintain an appropriate credit risk management culture
Review loan security margins as per the existing market trends and advice the management on any necessary reviews.
Reviewing and making recommendations relating to all new loan facilities;
Ensuring proper reporting, documentation and review to determine that lending to the respective segments is within acceptable risk.
Analyzing the loan book in terms of credit risk exposures to the corporation
Management of credit risks through analysis and recommend approvals for facilities within the Institutions tolerable risk levels
Ensure that the PAR of the portfolio is within target
Any other duties as assigned by the immediate supervisor
Qualifications, skills and experience:
A minimum grade of B in KCSE
An undergraduate Bachelor’s degree in a Business related field from a recognized institution.
Relevant professional training in Credit management with advanced Knowledge on Credit risk assessment approaches and models.
Qualifications in accounting or Finance are an added advantage.
At least 5 years relevant experience a reputable Microfinance/banking institution, in appraising Group and Individual loans ( 2 of which should be in a similar position)
Proficiency in computers is mandatory.
Ability to analyze and interpret financial statements
Clear understanding of microfinance/banking industry is an added advantage.
Good interpersonal & communication skills with excellent customer service.
A team player with the drive to improve performance.
Self-driven and possess the ability to work with minimum supervision
Aged between 30 and 40 years
