The Position
Reporting to Head, Lending Risk the job holder will be required to maintain a high quality lending portfolio of the bank through effective identification, analyzing and reporting of potential credit risks and ensure that the requirements of Basel II /III and the principles of enterprise risk management are embedded in the day to day business operation
Responsibilities
- Prepare and analyze the Basel II /III reports (COREP).
- Assist develop, implement, monitor and review Risk Appetite statements and limits for the bank.
- Develop and implement stress testing framework by defining stress scenarios and sensitivity analysis and indicating recommendations to mitigate risks that might arise from adverse scenarios.
- Review risk adjusted pricing guidelines and methodologies for credit products.
- Develop and review sector concentration policy. Monitor limits and analyse the performance of the Bank and prepare reports to senior management.
- Ensure that reporting requirements are aligned with Basel II /III framework and best practice benchmarks with regard to credit risk and monitor the total credit risk exposure to be within the capital requirement as proposed by Basle II/III.
- Undertake analysis of documented actual default statistics (Probability of Default, Loss Given Default and Exposure at Default) experienced with a view to confirming the risk ranking capabilities and calibration of the credit risk rating framework.
- Monitor and review the performance of credit scoring models post implementation through analysing trends in non-performing assets in the products and portfolios where the models are implemented.
Qualification and Experience
- A University degree from an institution recognized by Commission for University Education in a relevant field, e.g. Statistics, Maths, Economics, Finance, Computer Science etc.
- CPA/ACIB professional qualification will be an added advantage
- At least 3 years’ experience in corporate lending
- Experience in financial analysis
- Knowledge of the latest development in credit risk management tools and software applications and banking products.
- Good understanding of Market Economic conditions and trends
- Knowledge of SQL
- Proficiency in MS Office suite
- Ability to guide employees and to plan assignments
- Comprehensive business understanding
- Ability to work conscientiously and independently with minimal supervision
- Excellent communication and presentation skills
- Possess the ability to work effectively under pressure and tight deadlines
- Be pleasant, honest and self-driven
- Have the ability to make prompt decisions and be independent in problem solving in assigned duties
- Have good interpersonal skills
The above position is demanding for which the bank will provide a competitive package for the successful candidates. If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your application with a detailed CV, stating your current position, remuneration level e-mail and telephone contacts quoting the job title/reference in the subject field to recruitment@kcb.co.ke
To be considered your application must be received by Nov. 14, 2014.
Only short listed candidates will be contacted.
JOB REF: RISK 05/2014
