Job Description

1. JOB TITLE AND DOMICILE

Job Title

MORTGAGE PERFORMANCE ANALYST

Reports to (Title of Line Manager)

DIRECTOR MORTGAGE

Function/Division

MORTGAGE

Region OR Department

OFFICE OF THE DIRECTOR

Branch OR Section

OFFICE OF THE DIRECTOR

Job Level

MLB

1. JOB PURPOSE
2. Support the Director Mortgage in implementing leadership, management, growth and profitability of the Mortgage Business, and implementation of efficient and effective Operational Risk Management, Customer Service and Sales Culture. The position will also be responsible in Preparation, development and analysis of Mortgage Business financial, data and budgets and provision of high quality support service to line managers
3. KEY RESPONSIBILITIES: MUST NOT BE MORE THAN 10

• Provide timely, relevant and accurate reporting and analysis of the results of the division’s performance against historical, budgeted, forecasted and strategic planning results to facilitate decision-making toward the achievement of the budget and strategic plan.
• Extract, generate and maintain Mortgage related data from various source points including Data warehouse (EDWH), T24, Tranzware, Mobireg portal, BPM & Credit Quest (CQ) ensuring accuracy and completeness with key focus on transforming monitoring reports from data warehouse tables (using SQL Oracle scripts) and CQ into consumable formats.
• Demonstrate insightful use of financial analysis techniques, tools and concepts, to provide practical counsel to business area partners/heads and management in order to drive business results.
• Perform monthly balance sheet income statement and changes in financial position/budget variance analysis and develop annual budgets, quarterly forecasts and 3-year strategic plans in conjunction with the Director’s line managers.
• Review monthly expenses to ensure that expenses are booked correctly and work with Finance team to make necessary adjustments and undertake Cost/income evaluations and follow-up on revenue and cost reduction techniques. Investigate possible cost saving areas
• Working with the respective Relationship Manager ensure timely submission of quartely reports to KMRC and all the other Scheme Administrators.
• Maintain productivity dashboards for all the Mortgage Relationship managers, Mortgage DSRS’ and other RM’s in the bank and the regions.
• Research, market and competitor analysis to ensure proper bench marking of the mortgage product.
• Carry out daily, weekly, monthly, quarterly and on ad hoc basis in-depth performance analysis to cover trend and growth comparisons by sector, individual productivity, customer services and controls while translating complex data into understandable insights for non-technical stakeholders vis a vis results achieved and advising the Mortgage Director appropriately for decision making.
• Advising the Mortgage Director on the daily performance of the Divisions key business deliverables per segment including update on wave on progress of key mortgage initiatives.
• Holding custody of the Division’s business targets for the year in focus and updating or revising as advised by the Director Mortgage and championing the Division’s business initiatives such as product development, sales improvement, and product penetration review.
• Validate data accuracy and integrity by conducting quality checks on data outputs for quality assurance. Responsible for providing quality and timely administrative services and liaison.
• Maintaining and circulating business information received from the Division and other Head Office functions to the bank’s branch network securely with due regard for confidentiality and following up on pending issues from Branch Managers, Corporate Division and other Head office functions for closure.
• Maintaining a database of training needs for the various staff cadres in the Division and assisting in scheduling for training in conjunction with HR and other Head Office functions.
• Development and implementation of a mortgage academy in conjunction with the various relevant units

1. DAILY RESPONSIBILITIES: NOT MORE THAN 5 OF THE MOST TYPICAL

• In depth analysis of all business data to facilitate planning and monitoring of staff individual productivity.
• Monitor the Regional Manager’s diary and advise any changes or items for follow up.
• Respond to routine correspondence from branches and Head Office effectively and efficiently.
• Make follow up on all pending issues/matters with branches – ensuring that they are concluded.
• Prompt distribution of incoming mails to respective Regional Managers.

1. CHALLENGES: GIVE ONE EXAMPLE OF THE CHALLENGES ENCOUNTERED IN THIS JOB

• Getting timely reports from Branches - when they are called upon to submit data.

1. AUTHORITIES[1]: MANDATES, SIGNING AND/OR APPROVAL LIMITS

Authority TypeImpact Key[2]CurrencyLimit ValueAuthority Level[3]

1. MINIMUM POSITION QUALIFICATION REQUIREMENTS
2. Academic & Professional

ParticularsDetailSpecific Field or QualificationNeed Type[4]Education Bachelor’s degreeDegree from a recognized university

RQ

Professional QualificationsAKIB, CPA (K), ACCA

AA

Master’s degreeBusiness Related

AA

1. Experience

Total Minimum No of Years Experience Required

3

Detail

Minimum No of Years

Need Type[5]

Experience Area 4 performance Analysis

3

RQExperience Area 5 Financial Analysis

3

RQExperience Area 6 Budget forecasting

3

RQ

[1] Authority is the power to make REPUTATIONAL or MONETARY decisions about the operations, payments, represent the Bank to third parties, enter into any obligation on behalf of KCB.

[2] RP = Reputational: This is common for documents going to 3rd parties outside the Bank but contain no monetary value EXAMPLES: Letter of introduction, Letter of explanation of facts, letter of correction (e.g. disciplinary).

MV= Monetary: EXAMPLES are Loan, Overdraft, Letter of Credit, Cheque, Electronic File Transfer (EFT), Real Time Gross Settlement (RTGS), Cash Payment Transaction, Safe OR Document Custody, Power of Attorney, Signing of Employment, Service or Legal Contracts

[3] FN: Final, RC = Recommender.

[4] Need Types are : RQ = Required, AA = Added Advantage

[5] Need Types are: ES = Essential, DE = Desirable but not Essential

[6] Primary Job Role is EITHER Business = BS OR Support = SU

Monetary Impact is EITHER Revenue Generator = RG or Incur /Optimise Expenditure = IE

Overall Impact is EITHER Monetary = MO or Non-Monetary = NM

Accountability is EITHER Responsible for Unit = RU or Contributor in Unit = CU