Vacancies at KCB Bank Kenya

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.
• 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. 
• Coordination and management of the credit origination and evaluation process to meet acceptable turnaround times. 
• Support the Corporate business units to deliver world class service to external customers by assisting in negotiating term sheets with clients to ensure that the deal structure, conditions, and covenants conform to the overall credit requirements of the bank.
• Achieve 100% compliance with lending policy guidelines and other governance requirements
• Deliver well thought out decisions showing sound judgement where applications are within delegated sanctioning authority. 
• Managing credit risk through measurement of the distribution of actual and expected credit losses, sector concentration and credit risk migration-based probability of default, exposure at default and loss given default parameters. 
• Making recommendations to the Credit and Business teams regarding industry trends and the implications for managing the credit facilities of clients in those industries.

QUALIFICATIONS

• University Degree from a recognized institution. 
• Possession of Postgraduate Qualifications in a relevant field from a recognized institution/ Professional Banking qualifications that are Credit/Risk Related including CPA, ACCA, AKIB, CIMA etc. will be an added advantage.
• A solid background in corporate credit, minimum 7 years at decision making level, preferably with a track record of operating with a personal delegated authority in corporate environment. 
• Minimum 5 years’ experience in the application of extensive credit management, preferably in a Corporate and Investment Banking environment with proven ability to understand businesses, funding, and capital management issues.
• Ability to collate and compile appropriate set of financial and business information to quantify and evaluate the risks and benefits of a business proposal 
• Ability to establish the risk profile of a counterparty and incorporate contextual industry risks in a credit application. 
• Working knowledge of risk analysis and risk monitoring in particular the analysis of financial behaviour of businesses, identification of trends and shifts in credit risk profiles of business 
•  Practical understanding of bank’s products and lending facilities that give rise to counter party credit risk.
• The ability and confidence to operate and make decisions independently whilst still operating as an effective team player.

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JOB PURPOSE

• Daily monitoring (365/24/7) of transactions done across all alternative / electronic channels which include Mobile banking, Online banking, and Card /ecommerce, to identify unusual or fraudulent activities on a real time basis and minimize the Bank's exposure to fraud & money laundering to safeguard the customer assets and Bank reputation. 

KEY RESPONSIBILITIES: 

• Review transaction alerts generated by the risk management tools based on specific parameters
• Appropriately act on any suspicious transactions or suspected fraudulent transactions.
• Investigate any suspicious activities arising from the alerts and resolve by marking good or fraudulent and action on any exceptions raised. 
• Contact customers regarding suspect activity.
• Ensure Primary Forensic Services Case Register is updated and sent to Forensics team as required.
• Setting up of rules and periodic review of parameters in the Transaction/ Fraud Management Systems 
• Advise and review emerging digital fraud trends for risk mapping.
• Review reported and confirmed fraudulent activities captured in the case management tool and allocate/action as appropriate.
• Review the transaction trends raised on the service monitoring tool.
• Submit transaction monitoring reports to management and forensics as required

Academic & Professional

• Education    Bachelor’s Degree    Any    RQ
• Professional Qualifications    AKIB/ACIB    AA     
• Master’s degree    Business related     AA     

Experience

• Total years of Experience required    2

Detail    Minimum No of Years    Need Type[2]

• Banking Operations    2    ES
• Card /Digital Services Operations    2    ES
• People Management     1    DE
• Stakeholder Management     1    DE
   

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Key Responsibilities

• Monitor the credit portfolio at a macro level to identify concentration risks, emerging trends, and potential vulnerabilities.
• Conduct periodic credit stress testing to assess portfolio resilience under various economic scenarios and provide insights into the results to inform risk management decisions.
• Contribute to the development and periodic review of credit risk policies, frameworks, and risk appetite statements and make recommendations on enhancement of credit controls and risk mitigation as appropriate.
• Prepare regular reports and dashboards on portfolio performance, risk indicators, and sectoral exposures for senior management and Board committees.
• Assist in the preparation of ICAAP documentation, including risk and capital assessments, for regulatory submissions.
• Ensure compliance with Basel, IFRS 9, and other local banking regulations and global practices related to credit risk.
• Regularly collaborate with key stakeholders to balance risk and growth objectives.
• Perform regular review of the bank’s Risk Based Loan Pricing model. 
• Support the enhancement of risk models, credit scoring systems, and automation for better decision-making.

Education/Academic Requirements

• Education     Bachelors Degree    Any relevant area    RQ
• Professional Qualifications    ACIB/AKIB/ CPA (K)/ACCA/ IRM/ FRR/PRM/FRM/SCR    AA
• Masters Degree    Business, Statistics or Information Technology related course    AA

Experience

Detail    Minimum No of Years    Need Type

• Experience in Credit and/or Credit Risk Management    5    ES
• Experience with Credit Policies, Governance, Processes, and Regulatory Compliance    4    ES
• Stakeholder Management    3    ES
• Experience in Digital Lending and Automated Credit Decisioning    3    ES
• Data Analysis and Reporting    3    ES
• People Management    3    AA
• Project Management    3    AA