Head of Credit
Reporting to: Chief Executive Officer To manage the DTM's credit risk
management function efficiently and effectively and ensure adherence to credit
policy and procedures.
Station: Based at the Head Office
Relationships:
- Reports to the
Chief Executive Officer
- Liaises with the
Head of Finance and Strategy, Head of Operations and Technology, Head of
Business Development, Head of Legal Services, Debt Recovery Manager,
Branch Managers and Security Manager.
Key Performance Areas
- Credit policy
formulation.
- Risk management:
credit risk analysis and evaluation.
- Ensure
compliance with credit policies and procedures.
- Undertake credit
appraisal to vet credit proposals from branches.
- Monitoring and
administration of credit performance.
- Ensure that the
credit portfolio is measured, monitored and managed to achieve planned
performance
- Ensure that loan
portfolio management is consistent with the stated risk appetite position,
supported by sectoral, single borrower, tenor and other limits.
- Drive credit
risk processes and systems to ensure they meet business needs
- Management
information system(MIS) including statutory returns to Central Bank of
Kenya.(CBK)
- Ensure
sufficient credit resources with appropriate training and knowledge is
aligned with the capacity needs of the business.
- Branch support
and carry out inspection of credit/ lending issues
- Any other duties
that may be assigned to you from time to time by management.
Key Performance Indicators
- Effective
internal control systems and procedures.
- Compliance with
the DTM’s policies and procedures
- Clear and well
laid out credit strategies and operational plans.
- A growing loan
portfolio as per agreed targets
- An effective
follow-up plan on non performing loans to ensure recoveries.
- Timely and
accurate (up to date)credit reports to guide management and board of
directors in decision making
- Well informed
and trained staff on credit procedures and compliance
- Carry out
performance appraisals against agreed targets for the team while accurately
assessing individual strengths, developmental needs and accurate feedback.
- Accountable for
the team’s compliance to regulations and the Microfinance/Banking policies
and procedures.
Qualifications
- Bachelor’s
degree in, Commerce, Business or Finance related field, and a Masters
Degree. Professional qualifications will be an added advantage.
- Computer skills,
adept in use of ms word, Excel, Acess, Powerpoint, e-mail, internet and
intranet.
- Basel II
training, Financial/Credit risk and analysis training and other relevant
credit training at an advanced level.
- From ten (10)
years banking experience with at least 7 years Retail and Corporate Credit
experience with proven result track record.
Competencies/Attributes
- Job skills:
understand the Microfinance/Banking Act and Central Bank of Kenya (CBK)
and Prudential guidelines; high levels of professionalism and professional
development.
- Understand and
implement credit processes of different credit products.
- An all round
Banker.
- Demonstrate a
high degree of sensitivity, confidentiality, and integrity when dealing
with internal and external customers.
- Management and
leadership ability: Have excellent interpersonal, organizing and people
management skills.
- Personality:
results oriented with excellent social skills and ability to interact
across all levels of management. A forward planner with clear focus,
mature, reliable, hardworking and able to work without supervision, ardent
team player with a keen eye on detail.
- Honest with
impeccable integrity, reliable, outgoing and hardworking.
- Strong
analytical skills
All
applicants must apply online to the email hr@rafiki.co.ke closing date is 12th
January 2013.
Canvassing
will automatically disqualify the candidate.
Only
shortlisted candidates will be contacted.
“We are
an equal opportunity employer”.
