Job Purpose:

This position is multifaceted and crucial for maintaining the health of Bank’s loan portfolio with respect to compliance with regulatory requirements, developing and implementing the credit policy & procedures, timely analysis of the credit portfolio to improve its performance through effective and efficient monitoring to mitigate potential risks, oversee all the credit administration processes, providing insight to the Board Credit Committee and the Senior management to support in their decisions-making towards the Bank’s strategic objectives. The Senior manager will achieve these objectives through three teams - Credit Administration, Credit Monitoring and Credit Reporting.

Main Responsibilities:

• Supervising the unit to properly generate, review, and maintain loan credit reports for presentation to the BPR Management & KCB Group and provide monthly reports on the same, in accordance with the credit policy and Central Bank (BNR) regulations. Monitoring and Reporting should provide portfolio insights and inform strategic decision making.
• Preparation and submission of quarterly Board Credit Committee (BCC) deck presenting credit portfolio information, trends analysis, and confirmation of adherence to credit policy and risk appetite limits.
• Supervising the team to ensure that credit reports are submitted to Central Bank (BNR) and CRB on a daily, weekly, monthly, and quarterly basis, in compliance with regulatory requirements and avoiding incidences leading to penalties from Central Bank.
• Ensure review of Credit portfolio trends are carried out, identifying potential issues and recommending corrective & proactive actions.
• To ensure the Computation of IFRS 9 Expected Credit Loss (ECL) is timely and accurately done according to the standards. Ensuring the model parameters are timely updated and the ECL run is being done in-house as per Central Bank (BNR)’s recommendation.
• Oversee the Credit Administration Unit to ensure assessment and decisions taken on credit applications for subsequent disbursements on Mortgage loans, Invoice Discount Facilities, Local Purchasing Order (Advance on Contracts) and Bank Guarantees under the existing approved composite lines are done in accordance with the conditions set.
• Ensure the Credit Administration Unit applies monitoring of the Core Banking System to identify loan related issues and ensure that the ones escalated are appropriately addressed by IT & Credit Operations departments.
• Proactively monitor the Credit filling team to ensure the Credit files and documents are well organized: data entry, organization, cross-referencing, scanning, copying and retrieval.
• Collaborate with various stakeholders by ensuring compliance with service standards as per SLA terms to support business growth and minimize the TAT towards the customer obsession.
• Leading the teams in a way that ensures satisfactory audits of the credit function by facilitating internal, external, and central bank audits and ensure timely closure of all credit risk, compliance, and audit reviews of the unit.
• Support the review, from time to time, of Credit policies and processes governing lending in the Bank plus review and add input on the drafted Central Bank regulations being shared to banks.
• Responsible for the performance and productivity of Credit Monitoring, Reporting and Administration staff through provision of guidance, support, coaching and training to address any issues which may relate to their daily work.

Daily Responsibilities

• To lead, organize, coach and coordinate the team tasks and assignments related to credit monitoring, reporting and admin.
• Ensuring that migration of loans is at a minimal by continuous monitoring through early alerts report.
• Communicating with the bank’s Management to provide status update on credit monitoring, reporting and administration activities and recommend some strategies for managing credit risk.
• To liaise with the KCB Group Credit & IT Departments for all matters relating to the Loan portfolio.
• Attend meetings and research to keep abreast of banking/financial industry laws and regulations, emerging global banking trends and best practices relating to credit and providing policy and regulatory expertise.
• Participate in the Bank’s projects which involves Credit department.

Educational qualifications and work experience:

• Bachelor’s degree in any related field
• 3 years, minimum experience in Credit Admin, Monitoring and reporting. 3 years in stakeholder Management and 4 years in Banking.
• Master's Degree is an added advantage

• Supervising the unit to properly generate, review, and maintain loan credit reports for presentation to the BPR Management & KCB Group and provide monthly reports on the same, in accordance with the credit policy and Central Bank (BNR) regulations. Monitoring and Reporting should provide portfolio insights and inform strategic decision making.
• Preparation and submission of quarterly Board Credit Committee (BCC) deck presenting credit portfolio information, trends analysis, and confirmation of adherence to credit policy and risk appetite limits.
• Supervising the team to ensure that credit reports are submitted to Central Bank (BNR) and CRB on a daily, weekly, monthly, and quarterly basis, in compliance with regulatory requirements and avoiding incidences leading to penalties from Central Bank.
• Ensure review of Credit portfolio trends are carried out, identifying potential issues and recommending corrective & proactive actions.
• To ensure the Computation of IFRS 9 Expected Credit Loss (ECL) is timely and accurately done according to the standards. Ensuring the model parameters are timely updated and the ECL run is being done in-house as per Central Bank (BNR)’s recommendation.
• Oversee the Credit Administration Unit to ensure assessment and decisions taken on credit applications for subsequent disbursements on Mortgage loans, Invoice Discount Facilities, Local Purchasing Order (Advance on Contracts) and Bank Guarantees under the existing approved composite lines are done in accordance with the conditions set.
• Ensure the Credit Administration Unit applies monitoring of the Core Banking System to identify loan related issues and ensure that the ones escalated are appropriately addressed by IT & Credit Operations departments.
• Proactively monitor the Credit filling team to ensure the Credit files and documents are well organized: data entry, organization, cross-referencing, scanning, copying and retrieval.
• Collaborate with various stakeholders by ensuring compliance with service standards as per SLA terms to support business growth and minimize the TAT towards the customer obsession.
• Leading the teams in a way that ensures satisfactory audits of the credit function by facilitating internal, external, and central bank audits and ensure timely closure of all credit risk, compliance, and audit reviews of the unit.
• Support the review, from time to time, of Credit policies and processes governing lending in the Bank plus review and add input on the drafted Central Bank regulations being shared to banks.
• Responsible for the performance and productivity of Credit Monitoring, Reporting and Administration staff through provision of guidance, support, coaching and training to address any issues which may relate to their daily work.
• To lead, organize, coach and coordinate the team tasks and assignments related to credit monitoring, reporting and admin.
• Ensuring that migration of loans is at a minimal by continuous monitoring through early alerts report.
• Communicating with the bank’s Management to provide status update on credit monitoring, reporting and administration activities and recommend some strategies for managing credit risk.
• To liaise with the KCB Group Credit & IT Departments for all matters relating to the Loan portfolio.
• Attend meetings and research to keep abreast of banking/financial industry laws and regulations, emerging global banking trends and best practices relating to credit and providing policy and regulatory expertise.
• Participate in the Bank’s projects which involves Credit department.

• Stakeholder Management
• Credit Administration
• Credit Monitoring
• Credit Reporting
• Regulatory Compliance
• Risk Management
• Data Analysis
• Team Leadership
• Auditing
• Policy Development
• IT Systems Monitoring
• Customer Service

• Bachelor’s degree in any related field
• Master's Degree is an added advantage