Banking Jobs in Kenya – SMEP

Senior Credit Analyst
SMEP Microfinance Bank Limited is a dynamic Christian based bank regulated by the Central Bank of Kenya.
We are inviting applications from interested and suitably qualified candidates who are passionate about transforming lives in the society, to fill the following positions:
Responsible for ensuring compliance with internal Credit Policies and Procedures and facilitating prudent Credit Management of Credit Risks in line the CBK prudential guidelines.
He /she shall safeguard the institution against loss by ensuring accuracy, completeness and credit worthiness of all the proposals for loan facilities and recommend appropriate risk mitigation mechanisms.

Responsibilities

·         Management of credit risks through analysis and recommend approvals for facilities within the Institutions tolerable risk levels
·         Ensure that the PAR of the portfolio is within target
·         Performing quality assurance checks on revenue assurance and system surveillance on loan modules
·         Ensure high turnaround time (TAT) for Credit proposals
·         Ensure that all appraisal decisions meet the agreed SLA
·         Ensure all disbursed consumer loans are forwarded to employers for booking and payments are collected/remitted in time
·         Co-ordinate efforts together with Risk, Internal Audit, Credit Administration and Branches to ensure adherence to the Bank’s Credit Policy and lending guidelines
·         Work closely with the Head of Credit and Head of Risk & compliance to maintain appropriate credit risk management culture
·         Review loan security margins as per the existing market trends and advice the management on any necessary reviews.
·         Recommend policy reviews for customer experience improvement and risk  management improvement based on experiences and industry trends
·         Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)
·         Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within credit risk analysis
·         Performing quality assurance checks on revenue assurance and system surveillance on loan modules and report anomalies noted.

Qualifications

·         A minimum grade of C+ (plus) in KCSE
·         An undergraduate Bachelor’s degree in a Business related field from a recognized institution.
·         Relevant professional training in Credit management with advanced Knowledge on Credit risk assessment approaches and models.
·         Qualifications in accounting or Finance are an added advantage.
·         At least 5 years relevant experience a reputable Financial institution, in appraising SME, Group and Individual Micro loans

·         Proficiency in computers is mandatory.
·         Ability to analyze and interpret financial statements
·         Clear understanding of microfinance/banking industry is an added advantage.
·         Good interpersonal & communication skills with excellent customer service.
·         A team player with the drive to improve performance.
·         Self-driven and possess the ability to work with minimum supervision
·         Applicants must be committed to Christian values with a passion to serve
·         Aged between 30 and 40 years
How to Apply
The full job profile is on the website and qualified and interested candidates who meet the criteria should download the “Job Application Form” at www.smep.co.ke/opportunities, and send their filled applications to recruitment@smep.co.ke on or before Thursday, 30th November, 2017. Only shortlisted candidates will be contacted.

Risk & Compliance Officer
SMEP Microfinance Bank Limited is a dynamic Christian based bank regulated by the Central Bank of Kenya.
We are inviting applications from interested and suitably qualified candidates who are passionate about transforming lives in the society, to fill the following position:
Reporting to the Risk & Compliance Manager, the job holder will be part of the team responsible for the Bank’s overall enterprise risk management and compliance framework.

Responsibilities

·         Implementation of the Risk and Compliance framework and Policies in the Bank.
·         Monitoring and tracking of Banks’ compliance to regulatory guidelines statutory requirements and internal processes and procedures.
·         Identification and assessment of the compliance risks associated with the bank’s current and proposed future business activities, including new products, new business relationships and processes
·         Continuous monitoring of compliance with internal policies, procedures and guidelines by through regular and comprehensive Risk and Control assessment and testing
·         Providing assurance of the bank’s readiness in case of business interruption/disruption through regular reviews of the unit BCP plans.
·         Responsible for monitoring compliance and reporting for Anti Money Laundering and Counter Financing of Terrorism
·         Providing regular training of staff to build on risk management and compliance awareness
·         Reviewing and providing advise on corporate governance management
·         Regular reviewing of transactions to ensure that high risk transactions are identified and appropriately approved.

Qualifications

·         Bachelors’ degree in Accountancy, Finance or Business Administration.
·         Must have acquired professional certification in Accountancy or Auditing
·         Post graduate degree will be an added advantage
·         Proficiency in MS Office suite and previous experience with T24 Banking system will be an added advantage.
·         At least 2 years experience in a Compliance, Risk or Internal Audit role in a reputable Banking institution
·         Keen to detail and sharp analytical skills
·         Excellent report writing skills
·         An excellent and proactive planner with great organization skills
·         Flexible and willing to travel across the country at short notice
·         Good interpersonal and communication skills
·         Between 30 and 40 years of age
·         Applicants must be committed to Christian values with a passion to serve
How to Apply
The full job profile is on the website and qualified and interested candidates who meet the criteria should download the “Job Application Form” at www.smep.co.ke/opportunities, and send their filled applications to recruitment@smep.co.ke on or before Thursday, 30th November, 2017. Only shortlisted candidates will be contacted.

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