Senior Credit Analyst

<ol><li style="color: rgb(22, 21, 19); line-height: normal;"><span style="font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE">Evaluate and decision credit proposals (new, renewals, one offs, amendments) received from Corporate, Mortgage business units in line with specific credit guidelines as set within existing KCB Credit policy/manual/product documents, CBK Prudential guidelines, understanding of market, industry, economic factors, financial statements and recommending those beyond DLA for consideration while ensuring compliance with set TAT, SLAs and quality standards.</span></span></li><li style="color: rgb(22, 21, 19); line-height: normal;"><span style="font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE">Verify and analyze credit information, documentation such as bank statements, financials, provided by RMs/Customers, and seek clarification if needed from other sources, liaise with RMs/Branches for queries, additional information/documents and business recommendations for deviations, if needed.</span></span></li><li style="color: rgb(22, 21, 19); line-height: normal;"><span style="font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE">Support creation and update of new and existing credit processes, policy, manuals and product standards as relates to Corporate and Mortgage business.</span></span></li><li style="color: rgb(22, 21, 19); line-height: normal;"><span style="font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE">Visit clients/centers/branches, independently or with RMs/Manager as part of the evaluation of credit proposals for better understanding of the client, business, and market.</span></span></li><li style="color: rgb(22, 21, 19); line-height: normal;"><span style="font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE">Attend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Corporate and Mortgage Credit Unit.&nbsp;</span></span></li><li style="color: rgb(22, 21, 19); line-height: normal;"><span style="font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE">Monitor Corporate and Mortgage portfolios for renewals, limits expiry, early vintage performance, migration, PAR.</span></span></li><li style="color: rgb(22, 21, 19); line-height: normal;"><span style="font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE">Preparation of industrial reports/peer analysis papers on a variety of business, operational and financial indicators guided by respective industry reviews and industry information such as credit reports, press, magazines and other relevant sources.</span></span></li></ol><p style="line-height: normal; margin-bottom: 12pt;"><span style="background-color: rgb(251, 249, 248); color: rgb(22, 21, 19); font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE"><strong>POSITION QUALIFICATION REQUIREMENTS</strong></span></span></p><ol><li><p style="line-height: normal; margin-bottom: 12pt;"><strong>Experience</strong></p></li><li><figure class="table"><table border="1" cellspacing="0" cellpadding="0" width="630" style="border-collapse: collapse; border-width: medium; border-style: none; border-color: currentcolor; border-image: none; margin-left: 5.4pt; width: 472.5pt;"><tbody><tr style="height: 29.65pt;"><td width="408" valign="top" style="border: 1pt solid black; height: 29.65pt; padding: 0cm 5.4pt; width: 306pt;"><p>&nbsp;</p><p><span style="font-family: Arial, sans-serif;"><span lang="EN-GB" style="font-size: 12pt;">Total Minimum No of Years Experience Required</span></span></p><p>&nbsp;</p></td><td width="222" valign="top" style="border: 1pt solid black; height: 29.65pt; padding: 0cm 5.4pt; width: 166.5pt;"><p>&nbsp;</p><p style="text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB" style="font-size: 12pt;">6 years</span></span></p></td></tr></tbody></table></figure></li><li><figure class="table"><table border="0" cellspacing="0" cellpadding="0" width="635" style="border-collapse: collapse; margin-left: 5.4pt; width: 476.05pt;"><tbody><tr style="height: 6.65pt;"><td width="251" style="border: 1pt solid black; height: 6.65pt; padding: 0cm 5.4pt; width: 188pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>Detail</strong></span></span></p></td><td width="162" valign="top" style="border: 1pt solid black; height: 6.65pt; padding: 0cm 5.4pt; width: 121.85pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>Minimum No of Years</strong></span></span></p></td><td width="222" valign="top" style="border: 1pt solid black; height: 6.65pt; padding: 0cm 5.4pt; width: 166.2pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>Need Type</strong></span></span><a target="_blank" rel="noopener noreferrer" href="https://eoin.fa.em3.oraclecloud.com/fscmUI/redwood/recruiting-hiring/hiring/landing?tab_id=DetailsId#_ftn1"><span style="color: rgb(0, 104, 140); font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>[1]</strong></span></span></a></p></td></tr><tr style="height: 6.65pt;"><td width="251" valign="bottom" style="border: 1pt solid black; height: 6.65pt; padding: 0cm 5.4pt; width: 188pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: &quot;Arial Narrow&quot;, sans-serif;"><span lang="en-KE" style="font-size: 8pt;"><strong>Corporate Credit Analysis&nbsp;</strong></span></span></p></td><td width="162" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 6.65pt; padding: 0cm 5.4pt; width: 121.85pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;">6</p></td><td width="222" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 6.65pt; padding: 0cm 5.4pt; width: 166.2pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">ES</span></span></p></td></tr><tr style="height: 6.45pt;"><td width="251" valign="bottom" style="border: 1pt solid black; height: 6.45pt; padding: 0cm 5.4pt; width: 188pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: &quot;Arial Narrow&quot;, sans-serif;"><span lang="en-KE" style="font-size: 8pt;"><strong>Risk Management&nbsp;</strong></span></span></p></td><td width="162" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 6.45pt; padding: 0cm 5.4pt; width: 121.85pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">5</span></span></p></td><td width="222" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 6.45pt; padding: 0cm 5.4pt; width: 166.2pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">DE</span></span></p></td></tr><tr style="height: 10.3pt;"><td width="251" valign="bottom" style="border: 1pt solid black; height: 10.3pt; padding: 0cm 5.4pt; width: 188pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: &quot;Arial Narrow&quot;, sans-serif;"><span lang="en-KE" style="font-size: 8pt;"><strong>General Banking/lending</strong></span></span></p></td><td width="162" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 10.3pt; padding: 0cm 5.4pt; width: 121.85pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">3</span></span></p></td><td width="222" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 10.3pt; padding: 0cm 5.4pt; width: 166.2pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">ES</span></span></p></td></tr><tr style="height: 6.45pt;"><td width="251" valign="bottom" style="border: 1pt solid black; height: 6.45pt; padding: 0cm 5.4pt; width: 188pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: &quot;Arial Narrow&quot;, sans-serif;"><span lang="en-KE" style="font-size: 8pt;"><strong>Debt Recovery</strong></span></span></p></td><td width="162" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 6.45pt; padding: 0cm 5.4pt; width: 121.85pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">3</span></span></p></td><td width="222" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 6.45pt; padding: 0cm 5.4pt; width: 166.2pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">DE</span></span></p></td></tr><tr style="height: 6.45pt;"><td width="251" valign="bottom" style="border: 1pt solid black; height: 6.45pt; padding: 0cm 5.4pt; width: 188pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: &quot;Arial Narrow&quot;, sans-serif;"><span lang="en-KE" style="font-size: 8pt;"><strong>Managing Teams</strong></span></span></p></td><td width="162" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 6.45pt; padding: 0cm 5.4pt; width: 121.85pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">3</span></span></p></td><td width="222" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 6.45pt; padding: 0cm 5.4pt; width: 166.2pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">ES</span></span></p></td></tr></tbody></table></figure></li><li style="background-color: rgb(251, 249, 248); color: rgb(22, 21, 19); line-height: normal; margin-bottom: 12pt;"><span style="font-family: &quot;Segoe UI&quot;, sans-serif;"><span lang="en-KE"><strong>Academic &amp; Professional</strong></span></span></li></ol><figure class="table"><table border="0" cellspacing="0" cellpadding="0" width="700" style="border-collapse: collapse; margin-left: 5.4pt; width: 524.75pt;"><tbody><tr><td width="97" style="border: 1pt solid black; padding: 0cm 5.4pt; width: 72.85pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>Particulars</strong></span></span></p></td><td width="161" valign="top" style="border: 1pt solid black; padding: 0cm 5.4pt; width: 120.65pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>Detail</strong></span></span></p></td><td width="268" valign="top" style="border: 1pt solid black; padding: 0cm 5.4pt; width: 201.15pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>Specific Field or Qualification</strong></span></span></p></td><td width="102" valign="top" style="border: 1pt solid black; padding: 0cm 5.4pt; width: 76.5pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>Need Type</strong></span></span><a target="_blank" rel="noopener noreferrer" href="https://eoin.fa.em3.oraclecloud.com/fscmUI/redwood/recruiting-hiring/hiring/landing?tab_id=DetailsId#_ftn1"><span style="color: rgb(0, 104, 140); font-family: Arial, sans-serif;"><span lang="EN-GB"><strong>[1]</strong></span></span></a></p></td></tr><tr><td rowspan="3" width="97" style="border: 1pt solid black; padding: 0cm 5.4pt; width: 72.85pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">Education&nbsp;</span></span></p></td><td width="161" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 120.65pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">Bachelors Degree</span></span></p></td><td width="268" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 201.15pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">Any relevant area</span></span></p></td><td width="102" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 76.5pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">RQ</span></span></p></td></tr><tr><td width="161" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 120.65pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">Professional Qualifications</span></span></p></td><td width="268" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 201.15pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">ACIB, CPA(K)</span></span></p></td><td width="102" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 76.5pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">AA</span></span></p></td></tr><tr><td width="161" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 120.65pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">Masters Degree</span></span></p></td><td width="268" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 201.15pt;"><p style="line-height: normal; margin-bottom: 0cm;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">Business Administration</span></span></p></td><td width="102" valign="top" style="border-color: currentcolor windowtext windowtext currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0cm 5.4pt; width: 76.5pt;"><p style="line-height: normal; margin-bottom: 12pt; text-align: center;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">AA</span></span></p></td></tr></tbody></table></figure>