Job Description Rafiki Microfinance Bank is a place where creativity and positive ambition are infectious. We are restless to win, to meet the changing needs of our customers and unlock growth opportunities.SUMMARY The core job function is review, analysis and appraisal of customer credit applications for loans and advances using CAMPARI analysis model and to make recommendations to the approving authority. This will involve review of submitted documentation including but not limited to customer KYC documents, bank statements, audited and management accounts, management risk, contracts where applicable as well as prevailing business and economic environment.The job holder will report functionally to Credit Risk Manager.RESPONSIBILITIES Evaluation of a customer’s credit risk and determining their ability to successfully service the requested facility on time.Preparation of a detailed credit proposal in the Bank’s approved format detailing the credit risk analysis of the customer/ borrower.Ensure % compliance to the credit policy, Central Bank of Kenya regulations, Microfinance Act and the Country’s legal framework.Highlight and mitigate any exceptions to the credit policy and regulatory guidelines with compelling rationale to the approving authority.Ensure incorporation of guidelines from the Central Bank of Kenya Prudential Guidelines as banking best practice to all credit analysis.Ensure efficient credit analysis customer support to Business Development teams through timely and coherent feedback within approved SLAs and TAT’s.Carry out customer visits during analysis stage randomly or on need basis to familiarize with the borrower’s business, environment and operating environment.Deliver quality credit proposals that are free of errors, flowing and coherent language to ensure appraisal and approval turnaround time is adhered to.Interrogate and conduct background due diligence on all information submitted by business teams and customers as well as data on the specific business and external operating environment to corroborate each other. And adhere to policy.Make independent analysis and judgment of credit cases.Carry out quarterly post disbursement visits for loansPerform any other duty assigned by supervisor from time to time. KEY COMPETENCIES, QUALIFICATION AND EXPERIENCE Bachelor’s degree in a business course from an accredited university.3-4 years cumulative work experience in a busy commercial bank or microfinance bank with a strong bias in Credit AnalysisCredit Analysis accreditation from a recognized professional institution will be an added advantage.Working knowledge of Trade Finance Operations will be an added advantageProficiency in computer packages – Ms Word, Ms Excel and Ms Power pointAttention to detail, accuracy and diligence & analytical skilllsStrong interpersonal skillsExcellent communication skills both verbal and writtenStrong negotiation and problem solving skillsAbility to work under pressure
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