Equity Bank Credit Risk Analyst – Personal Banking Jobs in Kenya
Description
Equity Bank is one of the region’s leading banks whose purpose is to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern and inclusive financial services that maximize their opportunities. With a strong footprint in Kenya, Uganda, Tanzania, Rwanda, South Sudan and DRC Congo, Equity Bank is now home to over 12 million customers – the largest customer base in Africa. Currently the Bank is seeking additional talent to serve in the role outlined below:
Job Purpose:
The purpose of the job is to enhance the quality of the Personal Banking portfolio by ensuring that quality checks are introduced in the processing of Personal loan applications. Credit Analyst at Equity Bank Limited (K) will serve as a loan analyst for borrowing requests from branches. This will include conducting the credit risk analysis and review on credit transactions and preparation of loan sanction write ups and summaries along with recommendations and presentation of the same to the credit committees. Additionally, the role will introduce quality checks to ensure that Personal loans are established properly in the system and the production of management reports for monitoring. The role is at Senior Officer Level.
Key Accountabilities:
Complete a thorough, in-depth analysis of new credit requests, credit change requests, renewals and restructure and make recommendation for presentation to the Credit Committee
Liaise with employers/relationship manager in confirming the status of employees in reference to terms of employment and if any reservation.
Accuracy of data capture in 3rd party systems/data base i.e., online booking of loans especially Teacher service commission through their data base for easier administration and reporting.
Carry out competitor’s matrix and advice to remain competitive in the market.
Observing the Memorandum of understanding between the employers and the Bank to ensure smooth loan administration.
Achieve Turn-Around-Times (TATs) per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Credit Risk from branches.
Ensure that all credit files are complete, identify any documentation deficiencies, and report to Branch credit officer and credit administration as needed for timely resolution.
Review loan files as needed to ensure quality, consistency, and compliance with lending guidelines.
Review of excess request due to inward cheques on a timely manner while mitigating on credit risk.
Training of branch staff & adopting branches for mentorship and supporting is in resolution of issues that may arise from time to time
Qualifications
Education Qualifications
Bachelor’s degree preferably in business, finance, or accounting.
Years of Experience
5 Year experience in Credit of which three should be in Personal Banking
Professional Qualifications Required
AKIB/ACIB CPA, ACCA, Credit Management or CFA would be an added advantage.
How to Apply
For more information and job application details, see; Equity Bank Credit Risk Analyst – Personal Banking Jobs in Kenya
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