NCBA Group Assistant Manager - Asset Finance Credit Approvals Jobs in Kenya

NCBA Group Assistant Manager - Asset Finance Credit Approvals Jobs in Kenya

Job Purpose Statement

The holder should be a credit professional responsible for ensuring that the Credit Risk function achieves its objectives of facilitating revenue generation, quality loan, improving the credit risk control environment and delivery of business enablers within Credit Risk.

Key Accountabilities (Duties and Responsibilities)

Financial

Cost to budget targets

Financial credit loss metrics

Ensuring departmental costs are maintained at
approved level in the year by containing operational costs.

Identify and exploit available opportunities that will lead to business and revenue growth.

Providing leads to the Business to support balance sheet & revenue growth.

Internal business processes

Asset quality metrics

Portfolio and data quality metrics of information on the core banking system

Audit ratings are satisfactory

Regulatory inspection ratings

Compliance and Governance benchmarks

Reviewing of SME and Asset Finance
Policies/Procedures/Templates/Models & Product
Programs to ensure they are consistent with prudent & agreed credit practices and with Central Bank of Kenya prudential guidelines.

Ensure a consistent approach in assessing SME and Asset Finance limits by developing/reviewing
relevant risk assessment templates for use by the
business.

Ensure that the Department’s Risk & Control Self Assessments (RCSAs) are done in line with the SLA in place.

Assess/analyse credit proposals from SME &
Asset Finance and approve the ones within delegated authority and submit the ones above
delegated authority to the appropriate approval authority with support/necessary comments.

Ensuring that all credit proposals submitted
comply with credit policy/CBK prudential guidelines and where there are breaches of policy, these have been identified and mitigated and approval obtained from the appropriate approving authority.

Evaluate & understand risk associated with
individual transactions, products, securities, and
the borrowers as well as the economies & industries they operate within.

Ensure that provisions are maintained at the
prescribed level by minimising the risk of
loss/bad debts through prudent lending practices and pro-active management of Early Warning Signs on accounts.

Interrogate the Provisions listing on monthly basis to ensure these figures are within budgeted
levels.

Obtain appropriate & timely MIS on excesses &
loans in arrears (including SME, AF, MCLs, Cards,
IPFs, etc.) for purposes of pro-actively managing

those exposures with minimal loss to the bank
(i.e. periodically review with RMs/ARMs for
purposes of re-banking/securitising those, or at
worst classifying the accounts/down-grading
appropriately & having those handed over to
the relevant departments for their further
action).

Customer

Customer satisfaction benchmarks

Provide a high level of service to the internal customer based on accuracy, responsiveness and turnaround time as per agreed Service Level Agreements (SLAs).

Learning and growth

Competence development

Performance Management

Employee satisfaction benchmarks

Identify my training needs and those of the business teams.

Attend at least one training that is relevant to my job.

Continuous training of business teams Approvals

Ideal Job Specifications

Academic:

Relevant undergraduate degree

Appropriate Masters Level or Post Graduate Qualification

Professional:

Relevant professional qualification in Banking, accountancy, credit / risk management

Desired work experience:

A minimum of 3-4 years of experience in Credit Risk Management, other relevant areas of practice preferably in the Banking sector out of which 1-2 years should be at credit analysis or credit risk.

Exposure to credit, market and operational risk dimensions, Basel implementation, IFRS 9 implementation, ICAAP etc.

Econometric experience (e.g., competence in understanding key macro drivers of credit risk, customer behaviour and lending strategy)

The ability to conduct complex risk analyses and provide senior management with business insights of consumer credit quality and behaviour trends, and portfolio performance.

Strong communication skills (written and oral) and the ability to articulate complex issues
at an intuitive level to a non-risk audience

Ability to think creatively - to challenge the norm and drive through solutions in the face of
adversity and challenge.

How to Apply

For more information and job application details, see; NCBA Group Assistant Manager - Asset Finance Credit Approvals Jobs in Kenya

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