Credit Analyst- Retail Job Gulf African Bank

  • Kenya
  • Permanent
  • Full-time
  • 5 days ago
  • 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 competenciesQualifications 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 analysis
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