Job Description
Consolidated Bank is Kenya’s SME bank of choice that provides flexible financial solutions that
support our customers in achieving success. The Bank is well positioned, with presence in
majority of the country’s business hubs to continually offer pleasant and convenient services. We
seek to recruit a qualified, experienced, competent and highly motivated individual to fill the
position of Credit Analyst.
CREDIT ANALYST
Job Type
Three (3) year Contract
Job Purpose
Reporting to the Manager, Credit Analysis, the Credit Analyst will be responsible for appraising
loan applications to determine the degree of risk involved in extending credit and ensuring
compliance with the Bank’s Credit policy and Central Bank of Kenya Prudential Guidelines.
Key responsibilities and accountabilities
Analyze credit data and financial statements to determine the degree of risk involved in
extending credit.
Ensure compliance to all lending procedures as stipulated in the Bank’s Credit policy
manual and monitor various financing products advanced to ensure compliance in
relation to their satisfactory conduct.
Provide technical support to the branch business development teams on all credit related
issues.
Participate in the preparation of Board Papers for presentation to the Board Credit
Committee and Management Papers and reports for presentation to the Executive
Committee.
Conduct market intelligence researches and prepare reports for presentation to the Credit
Committee, review of the various lending sectors and make recommendations for
adaptation.
Liaise with representatives of credit associations and other businesses to exchange
information concerning credit ratings and forwarding addresses, verify financial and
credit transactions.
Qualifications and Competencies
Holder of bachelor’s degree in a business related field from a recognized university.
Possession of professional banking qualifications such as AKIB and CPA (K) will be an
added advantage.
Should have at least four years’ banking experience with good knowledge of effective
credit analysis and related analytical skills to identify and evaluate underlying risk elements
of lending.
Should possess excellent credit and financial analysis skills.
Should have excellent communication, report writing and presentation skills.
Should have great interpersonal skills, good customer service orientation and commercial
awareness.