RESPONSIBILITIES
Monitoring credit risks for facilities under Grade 10 and Grade 20 to avert migration to NPL both at branch level and Regional Portfolio Management Office level.
Ensure compliance of all projects for construction facilities to conditions precedent and milestones are achieved upto completion of the projects.
Reviewing loan documentation, confirm compliance checks against KCB manuals, policies and statutory regulations before disbursement of construction funds and syndicated facilities.
Manage the staff-on-exit portfolio by ensuring timely conversion to public terms and timely payments to minimize migration to NPL status as well as ensure staff and ex staff overdrawn accounts are promptly regularized.
Ensure bank’s facilities are adequately secured upon completion of construction projects.
Follow up on insurance renewals to achieve 100% compliance, with the Bank’s interest (KCB Kenya) duly noted in respect to the mortgage facilities under construction.
Generate timely and analyze Management Information (MI) reports for effective portfolio control and comply with the regulatory reporting requirements.
Ensure compliance to covenants for corporate portfolio and assist with resolution of covenant breaches within the stipulated Service Level Agreements (SLAs).
Action on file maintenance reports on booked facilities to ensure data accuracy and enable early remedial action where discrepancies are identified.
Maintain and update the deferrals register and the exceptions collaterals register for both Corporate and Mortgage portfolios.
Approve the release of securities for corporate customers and performance bonds for staff upon successful completion of staff loan construction projects.
MINIMUM POSITION QUALIFICATION REQUIREMENTS
Academic & Professional
Particulars
Detail
Specific Field or Qualification
Need Type4
Education
Bachelors’ Degree
Any field
RQ
Professional Qualification
Business field
AA
Masters’ Degree
MBA
AA
Experience
Total Minimum No of Years’ Experience Required
5 Years
Detail
Minimum No of Years
Need Type5
Credit Administration including portfolio management
5
ES
Data Analytics Tools Utilization (Excel, SQL, data analysis and IFRS 9)
3
ES
Proficiency in use of core banking systems including T24, CQ and TAC
1
ES
People leadership skills including coaching; conflict management, delegation and cross functional collaboration
3
ES
KCB Group, is the largest financial services organization in East Africa in terms of asset size. The Group's headquarters are located in Nairobi, Kenya, with subsidiaries in Kenya, Rwanda, Southern Sudan, Tanzania, Uganda and Burundi. In 2015, KCB Group opened a representative office in Ethiopia, expanding the growth of the organization.
The Bank is over 124 years old having started in Mombasa in 1896. KCB Group has over 354 branches, 26,394 Agents/POS Merchants and 1,103 ATMs. The bank also offers Mobile Banking though the KCB App, Internet Banking and Diaspora Banking Services platform that can be accessed 24/7 basis. The Bank services over 26.8 million customers across the region.
KCB Group is the largest financial services organization in East Africa, with an estimated asset base of approximately Ksh. 1.02 trillion as at the of end H1 2021.
