Old Mutual Credit Analyst - Retail - Faulu Jobs in Kenya

Old Mutual Credit Analyst - Retail - Faulu Jobs in Kenya


Introduction

  • Working closely with the Senior Credit Analyst – Retail, he/she will ensure compliance with internal credit policies & procedures and facilitate prudent management of credit risks while ensuring compliance with the CBK prudential guidelines.

    Minimum Requirements

    • Business related degree

    • CPA 2 would be an added advantage

    • 1 year experience in credit analysis in a Retail Lending environment, debt collection and recovery

    • Knowledge of alternative credit appraisal mechanisms and substitute securities like chattels mortgages, guarantors, stock, livestock etc

    • Knowledge in accountancy an obvious advantage

    • Entrepreneurial thinking and experience

    • Passion and experience in dealing with low income communities

    • Capacity and willingness to work for long hours and within strict deadlines

    • Excellent interpersonal skills

    • High degree of confidentiality

    • Analytical mind

    • Knowledgeable on the Financial services sector

    • Assertive

    • Fast in decision making

    • Honest

    • Highly organized

    • Creative and Innovative

    • Proactive

    • Good team player

    • Physically fit and versatile and able to work on a computer for long hours

    Job Specification

    Key Measurable Goals

  • Management of credit risks through analysis and recommend retail loan approvals for facilities within the Institutions tolerable risk levels

  • Adherence to internal credit policies and loan administration procedures

  • Ensure that the PAR of the Retail Portfolio is within target

  • Ensure high turnaround time (TAT) for all
    retail proposals

    Key Responsibilities

  • Analyze the Retail credit requests against the retail lending guidelines as a basis for making approval / decline recommendations.

  • Verify Compliance to retail lending policy requirements through inspection of ability to pay, fulfillment of retail MOU requirements and proper documentation to ensure credit risk is adequately mitigated.

  • Review existing retail relationships and making recommendations to the management to aid quality retail lending.

  • Prepare draft board papers for review of any retail lending product facilities and guidelines for further review and further approval by the management.

  • Follow up with the branches to ensure fulfillment of ALL Retail MOU sanction conditions and other covenants prior to disbursement of the facilities.

  • Recommend policy reviews for customer service and risk management improvement based on experiences and industry trends.

  • Do any other duties that may be assigned by the Management.

    How to Apply

    For more information and job application details, see; Old Mutual Credit Analyst - Retail - Faulu Jobs in Kenya

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