Job Purpose
To
ensure that all Credit Proposals emanating from Commercial Banking, Business
Banking and Treasury have been carefully evaluated and have logical
recommendations prior to the submission to Head of Credit.
Discuss
the Credit Proposals emanating from the Business Departments with respect to
Structure of Facilities, Key Risk & Mitigants, Market Conditions,
Securities, Pricing and Risk Reward with Corporate Relationship Officers/
Managers, Business/Unit Heads where necessitated.
Key Responsibilities
- Ensure all
credit proposals adhere to the laid down procedures, policies, Banking
Act, Prudential Guidelines, Islamic rules and regulations and various
product programs while ensuring that any policy breaches are properly
authorized at the correct approval level.
- Analysis of
commercial and business banking credit proposals and recommendation of
quality assets to enable the next line of authority to make an informed
decision.
- Ensure all
credit proposals are analysed in terms of general credit worthiness, risks
and mitigation thereof, adequacy of security, documentation compliance,
compliance with individual/group exposure limits, covenants compliance,
sectoral limits/concentration, country limits and signing off on the
proposal.
- Analysis of the
Treasury credit proposals including money markets, foreign exchange
forwards/ SWAPs amongst others.
- Ability to
analyse and interpret the financial statements and cashflow projections
for companies, Financials of Banks and other /Financial Institutions
accurately.
- Support the
business teams in new business origination by accompanying them for
clients’ visits and guiding them in preparation of the appraisal
documents.
- Review new
product programs and the existing ones to ensure the various risks are
well mitigated.
- Co-ordinate
with other departments which are involved in the process of granting
credits e.g., Commercial Banking, Treasury, Business Banking etc., and
analyze workflow and business processes for the implementation of approved
facilities.
- Monitor
compliance with the credit policies and procedures and make any necessary
recommendations for changes where necessary for consideration on an annual
basis.
- Monitor changes
and trends for various business segments financing portfolio on a
periodical basis, analyses reasons for the changes and discusses it with
the Head of Credit.
- Review of
monthly MIS of the portfolio managed covering exception reports,
utilization of facilities, past-dues, expired credits, concentration of
risk covering group exposure and industry concentration.
- Propose changes
to the economic sector’s limits in line with financing projections from
business units and concentration risk considerations.
- Ensure that the
service levels are adhered to in relation to the agreed TAT levels.
Dimensions
/ Context (scope of the job – responsibility for managing)
- Manage Credit
Risk Approval process of Limits for New and Existing Customers including
one off deals with a direct impact to the revenue and budgeted
revenue/income targets.
- Ensure that the
return on Credit Risk is in line with market and not under-priced that may
have a direct impact on the revenue targets of the Bank.
- Provide
feedback on Policy matters and implementation of the Bank’s Policy.
Job
Complexity / Judgment
- Knowledge and
knowhow of various legal and facility documentations for complex credits.
- Knowledge of
various markets within Kenya and African Countries as a whole.
- Understanding
of Economic, Political Risk and Cross Border Risk for Country & FI
Limits.
- Ability to
understand and analyse Financials of Banks/Financial Institutions.
Managerial
and Communications Skills
- Highlight
issues and suggest ways to resolve the same in co-ordination with Head of
Credit /business units, credit operations, and credit administration,
legal to facilitate smooth operation.
- Identify gaps
that may hinder the work process and discuss/ suggest ways to minimize the
same
- Provide
judgment on Credit portfolio, market dynamics, and concentration of risk,
credit policies / process and systems.
- Highly
competitive environment volatile and risk-oriented markets across
geographic locations which require in-depth skills and experience to
determine the level of risk and suggest appropriate structure and
conditions to manage such risk.
- The job entails
constant monitoring of the portfolio and regular interaction with business
units, the Legal and Sharia departments, in managing the portfolio and
maintaining the same within acceptable risk parameters.
Job
Specification
- University
Degree preferably in Accounting, Finance or Business Administration from a
recognised institution.
- Master’s degree
with major in Business Management in Finance and Accounting will be an
added advantage.
- Any
professional qualification in Banking, Finance or Accounting
- Knowledge of
all lending products and the level of complexity inherent in those
products.
- Ability to
analyse all lending propositions and make sound recommendations/ decisions
that will not adversely affect the Bank in the circumstances.
- Awareness of
the Central Bank of Kenya regulation and local laws regarding lending
facilities and default borrowers
- Critical
assessment of proposed credit facilities, security and their realization
values.
- Knowledge of
changes taking place in both micro (banking industry) and macro (global)
environment and ability to apply this knowledge to the benefit of the
Bank.
- Credit decision
in accordance with Islamic principles.
- Foundations and
principles of Islamic finance.
- More than 8
years banking experience with at least 4 years in Credit
Competencies
- Analytical and
Innovative Thinking
- Leadership
- Planning and
Organizing
- Problem Solving
Skills
- Team
Orientation
How to
Apply
Please send your CV and cover
letter to careers@dibkenya.co.ke by
COB, 18th July 2025, Quoting The role title as the Subject of the email
application. Canvassing will lead to automatic disqualification.
