SBM Bank Manager, SME Credit Approval Jobs in Kenya
Key Responsibilities
Financial Perspective
Execute Credit underwriting/approvals function in line with Bank Credit Strategy and the overall Bank growth strategy.
Review and Recommend modifications in the Credit Policies and Credit Procedures Manual as new processes are identified or as processes are modified.
Ensuring quality reviews of credit proposal within best practice and banks policy Ensure credit risk exposures are managed within the established limits appetite and standards.
To support branches under partnership arrangement and ensure utmost and enhanced approval rate.
Customer and Markets
Undertake timely review of credit application within stipulated turnaround time
Oversee daily review loan workflow in the system (when available) to assess the number of loan applications received, the turnaround time of every step in the process e.g., analysis/approvals of TODs, Credit applications, Waivers, Early Draw Downs etc. etc.
Conduct random review of the credit files to make sure that prescribed standards being adhered to.
Review and sign all Credit Approvals loan reports prior to distribution for accuracy and completeness.
Providing input for the development and review of credit process and related credit projects/credit products 6. To undertake branch visits and client visits as per business needs.
People Management
Evaluate the performance of the staff in the unit.
Maintain good coordination between the Credit Approvals, other credit units, Legal department, business development team and Head of Credit
Ensure commensurate training of all Credit Approvals staff in new or modified credit procedures, forms, credit policies.
Prepare the annual performance unit agreements to be presented to the Head of Credit for integration into the bank’s overall annual plans.
Sustainability
Credit Policy Manuals, Departmental Operating Instructions, prudential guidelines and SLAs.
Banks Anti Money Laundering Policies and Procedures in conformity with defined standards and guidelines.
Other internal and external regulatory requirements.
Knowledge; Skills and Experience required for this Role
5 years’ experience in banking and at least 5 years in a lending function
Bachelors degree in an Analytical/Business related field
MBA or MSc. in business related course.
CPA or relevant professional qualification.
Excellent Communication skills.
Experience in Credit Evaluations including Complex Credit and Structuring.
Competencies Required for this Role
Experience or sound understanding of credit risk and the techniques of financial analysis
Knowledge of relevant lending products
Strong credit analytical skills including business plan analysis, numerical and financial analysis and interpretation
Key understanding of regulatory and legal environment
How to Apply
For more information and job application details, see; SBM Bank Manager, SME Credit Approval Jobs in Kenya
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