Kenya Commercial Bank Limited is registered as a non-operating holding company which started operations as a licensed banking institution with effect from January 1, 2016. The holding company oversees KCB Kenya – incorporated with effect from January 1, 2016 – and all KCB’s regional units in Uganda, Tanzania, Rwanda, Burundi, Ethiopia and South Sudan. It also owns KCB Insurance Agency, KCB Capital, KCB Foundation and all associate companies. The holding company was set up to among other things to enhance the Group’s capacity to access unrestricted capital and also enable investment in new ventures outside banking regulations, achieve operational and strategic autonomy for the Group’s operating entities and enhance corporate governance across the Group and oversight in management of subsidiaries.
The Position:
This position carries full responsibility for the credit approval and risk management process in respect of Corporate banking portfolio by developing and maintaining Corporate relationships between all the contributors in the credit value chain.
- The main purpose is evaluation of counter-party credit risks associated with the bank’s wholesale lending and investment activities with the primary objective to contain credit risk.
- This position is also responsible for Overall Corporate Banking customer service excellence.
- This position carries leadership responsibility for a team of Credit Managers and Customer Service Managers
Key Responsibilities:
- Evaluation of credit appetite including appropriateness of structure considering application, tenor, risk versus return relationship, and the evaluation of effectiveness of risk mitigants.
- Deliver well thought out decisions showing sound judgement where applications are within delegated sanctioning authority
- Effective provision of analyses and recommendations where applications require referral.
- Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal
- Spearhead improvement of service delivery and query resolution including defining customer pain points and providing solutions in collaboration with other stake holders.
- Oversee the creation of efficient query resolution system where unresolved issues are escalated to improve NPS/CES
Job Requirements:
For the above position, the successful applicant should have the following:
- Bachelor’s degree preferably in Business Administration, Economics, Finance from an Institution recognized by CUE
- Professional qualifications in CPAK, ACCA, AKIB or Master’s degree is added advantage
- 10 – 15 years relevant experience in Corporate or Retail Banking with at least 6 years in Senior Management position
- Relevant product and credit management experience locally or internationally
- Experience in the management of loan book portfolio to drive P&L and balance sheet goals
- Relevant credit risk management certification in the banking field
- Experience in people management and diverse stakeholder management
- Demonstrated ability to manage middle office functions in the delivery in of corporate client solutions
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