Job Description:

About the Job

The Co-operative Bank of Kenya is seeking a proven leader in Corporate Credit Analysis to head the Corporate Credit Risk Analysis department. The role reports to the Director – Credit & Management Division (CMD) and is responsible for achieving and maintaining a quality loan book, providing oversight for credit analysis and approval across various divisions, ensuring compliance with policies and regulations, and coordinating Environmental and Social Risk management.

Responsibilities

• Provide oversight of all analysis and approval of credit proposals from all Lending Units, Treasury, and any other department/unit that will expose the Bank to credit risk in its daily activities.
• Oversee the review of Bank, Insurance companies and other treasury limits annually when required.
• Ensure that all appraisal decisions meet the agreed SLA and quality standards and escalate any adverse observations to the Director-CMD.
• Ensure compliance to Bank Loan policies, lending guidelines and Government regulations in collaboration with the lending units and other departments within CMD.
• Coordinate the Environment and Social risk management, policy implementation, reporting and capacity building.
• Work closely with the Director – CMD to maintain appropriate credit risk management culture.
• Attend all credit committee meetings as scheduled or agreed and provide timely and organized responses to internal customer proposals.
• Escalate any complex internal customer issues to the Director – CMD and other relevant authorities accordingly.
• Manage all staff of the department and ensure they are adequately resourced and well-skilled to perform their roles.
• Maintain and develop professional and technical knowledge by attending and contributing to training programs, educational workshops, reviewing professional publications, establishing personal networks and participating in professional¹ structures & studies.

Requirements

• A Bachelor’s degree in a Business-related field from a recognized university with a Certification in Credit management or Analysis.
• At least 7 years’ experience in Credit Analysis 5 of which must be in a Senior/Management role within Corporate Credit Risk Analysis.
• Good knowledge of the Banking Act, Bank Operating procedures as well as business trends and thorough knowledge of CBK Lending guidelines.
• Excellent Communication, Presentation and report writing skills.
• Excellent Credit Risk underwriting, Complex Credit structures, Financial Institution Risk analytics skills and Treasury Credit solutions.
• Superior leadership, management and co-ordination skills with the ability to influence positively and engage direct and indirect reports and peers.
• Customer focused & results oriented.