Credit Analyst- Retail at Gulf African Bank

Gulf African Bank

  • Kenya
  • Permanent
  • Full-time
  • 2 days ago
The genesis of Gulf African Bank (GAB) can be traced back to 2005, when a group of motivated Kenyans envisioned establishing an Islamic bank as an alternative to conventional banking in the country. By conducting business on the principles of Shari’ah, the bank would provide an ethical and fair mode of banking for all. Gulf African Bank is the firstCredit Analyst- RetailJob Purpose:
  • To prepare independent analysis of retail credit reviews and submit summary of analysis for credit review above delegated authority.
  • To support the Retail segment asset book growth within acceptable PAR tolerance levels to ensure the product remains profitable.
Key Responsibilities:
  • Ensure that all client documentation is complete and up to date
  • Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to.
  • Ensure Service Level Agreement TAT is adhered to through strict monitoring of files held at Credit.
  • Check completeness of documents submitted by the branch managers.
  • Immediately inform the Branch/Relationship manager of any document missing (according to the checklist).
  • Review inward cheques report and excesses daily reports to ensure that they are appropriately sanctioned and therefore safeguard the bank from financial loss from unauthorized extension of credit.
  • Timely analysis of credit applications while ensuring that good quality of the financing assets is achieved.
  • Preparation of various management Reports.
  • Review of new and existing products as per bank guidelines.
  • Operations
  • Receive credit applications from relationship managers and branches.
  • Prompt and fair allocation of applications in the Credit Pool.
  • Compliance
  • Ensure compliance with both internal and external regulatory requirements.
  • Review and ensure compliance of facilities approved conditions.
  • Ensure compliance with Credit policies and procedures at all times.
  • Ensure compliance with set SLAs at all times.
Qualifications, Experience and Functional competenciesQualification and experience
  • Bachelor's degree in an Analytical/Business related field
  • 4 years banking experience in a lending function with at least 2 years in credit analysis or business development
  • Relevant Shariah policies/ processes knowledge
  • Product knowledge
  • Relevant Bank policies, e.g. KYC/AML knowledge
  • Knowledge of credit analysisa
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