Dubai Islamic Bank Credit Analyst – Business Banking Jobs in Kenya

Dubai Islamic Bank Credit Analyst – Business Banking Jobs in Kenya


  • Key Responsibilities

    Credit Analysis

  • Preparing quality credit applications.

  • Spreading of financial statements, credit grading and raising appropriate concerns.

  • Financial analysis of SME/Business Banking customers using credit skills, ratio analysis; judgment of management and business strategy.

  • Verifying that securities provided are up to standard and forwarded for approval in line with the credit policy

  • Evaluation and understanding of risk associated with individual transactions, products and borrowers.

  • Conducting joint meeting with Relationship Managers/Unit head to meet Business Banking clientele when required to achieve clear understanding of their business with key focus on risk analysis.

  • Assist Relationship Manager to monitor credit quality by highlighting early warning signs of credit deterioration.

  • Ensure compliance with Bank’s policies and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level.

  • Preparation of industry analysis reports.Annual Review and custodian of credit files

    Enhancing Customer Relationship

  • Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.

  • Together with the RM, offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.

    Portfolio Management/ Risk Management & Control

  • Proactively manage risk and exposure for assigned portfolio continuously.

  • To ensure Compliance to quality of authenticated documentation and policy parameters.

  • Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence.

  • Management and Control of daily overdrawn and unfunded accounts, Cheque and payment referrals from the branches.

  • Meeting clients’ requirements while ensuring compliance with all regulations and controls as set by the Bank and external regulatory authorities.

  • Awareness of all the policies and procedures issued by the Bank and ensuring strict adherence.

  • Ensure KYC and AML compliance for all new to bank and existing customers.

  • Ensure zero operational loss and effective complaint management.

  • Report any suspicious transaction immediately to the supervisor Ensure strict
    compliance and responsible for achieving and maintaining satisfactory audit rating.

  • Adherence to Standard Operating Procedures (SOP) and Ensuring Quality Service to customers.

  • Attending to daily overdue/excess report and Identification of early warning signals for non performing accounts, tracking of early alert accounts and escalation to collections team where need arises.

  • Responsible for maintaining and updating credit files mirror by ensuring all information is up to date and correctly filed.

  • Management of Post Approval procedures: managing security checklists by ensuring that each security item detailed in the checklist is followed up by the respective RM and lodged with Credit Administration to ensure seamless disbursement/booking of facilities

    Key Performance Indicators

  • Quality Credit Origination, Monitoring and Control.Annual Renewal of all credit files (zero exception).

  • Preparation of Credit files within stipulated timelines.

  • Preparation of pipeline reports within stipulated timelines.

    Education

  • Bachelor’s DegreeHolders of Associate of the Kenya Institute of Bankers (AKIB) are encouraged to apply.

    Training / Skills

  • Strong analytical and interpersonal skillsIn depth knowledge of SME banking products and DIB strategy & policies.

    Work Experience

  • 3-4 years of SME Banking experience of which at least 2 years of credit analysis exposure is a must.

    Competencies

  • Effective leadership, decision-making and team building skills

  • Ability to work in a cross-cultural environment

  • Team Player

  • Strong analytical and interpersonal skills

  • Strong knowledge of local SME & BUSINESS banking market and vision about future direction and market sensitivities

  • Ability to meet strict deadlines

    How to Apply

  • For more information and job application details, see; Dubai Islamic Bank Credit Analyst – Business Banking Jobs in Kenya


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