Relationship Analyst - Corporate Banking Job at I and M Bank

I and M Bank

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Experience Required:2 Years
Total Positions:1
Job Type: Full Time
Job Category: Banking
Minimum Education: Degree
Job Location: Nairobi, Kenya
Posted on: November 4, 2021
Last Date: November 10, 2021

Job Description

STRICTLY FOR INTERNAL APPLICANTS
PURPOSE:
The role is responsible for assisting the Relationship Manager in managing the assigned portfolio.

PRIMARY RESPONSIBILITIES:
The Incumbent will report to the General Manager, Corporate and Institutional Banking and will be responsible for:

1.Analyzing and preparing quality credit appraisals/applications for new and existing customers within required timelines/SLA. This involves:
• Understanding the facilities requested and giving justification for the facilities
• Identification of Credit Risks and mitigation of the risk both in new proposal and existing facilities
• Financial and credit analysis assessment based on financial statements provided by the customer
• Stress testing and scenario analysis on projections to assess the facilities requested for their repayment ability
• Risk identification to determine the pricing and subsequent mitigation factors
• Analysing the security provided in line with the facilities requested and their sufficiency
• Conducting market research on industry and sector specific factors to better analyse the facilities requested
• Ensure on boarding of quality customers through all the above

1. Ensure complete execution of all Bank Documents at Credit Admin and the customer.
2. Follow up on security perfection and subsequent disbursement of facilities, marking of limits in the system.
3. Attending to customer request within approved TAT
4. Identification of additional business opportunities from existing customers in the portfolio through various platforms
5. Collating review information in liaison with the Relationship Manager as well as maintaining a diary of due dates for review to ensure facilities are reviewed on schedule;
6. Periodic review of the performance of customer portfolio to assess the potential weaknesses and propose remedies.
7. Attending to customer meetings/Customer visits with the Relationship Manager and consequent preparation of reports.
8. Liaison between corporate customers and various bank departments in resolving customer queries in the absence of the Relationship Manager
9. Portfolio monitoring for early warning signs identification and remedial action(s) including restructure and reorganization of accounts.
10. Any other roles assigned from time to time

PERSON SPECIFICATIONS
Academic Qualifications
• Bachelor’s degree in a Business related field from a recognized institution.

Professional Qualifications
• Part completion of CPA (K) / ACCA or its equivalent.

Experience
• At least 2 years’ relevant experience.

Generic Competencies
• Technical skills;
• Ability to communicate;
• Report writing skills; and
• Numeric skills.

Skills and Attributes
- Knowledgeable in financial analysis;
• Good communication and interpersonal skills; and
• Good credit risk assessment skills.

Skills Required

Credit Risk Assessment Skills
Effective Communication and Interpersonal Skills
Financial Analysis and Reporting
Numerical Competence
Report Writing Skills
Technical Skills