Kenya Commercial Bank Limited is registered as a non-operating holding company which started operations as a licensed banking institution with effect from January 1, 2016. The holding company oversees KCB Kenya - incorporated with effect from January 1, 2016 - and all KCB's regional units in Uganda, Tanzania, Rwanda, Burundi, Ethiopia and South Sudan. It also owns KCB Insurance Agency, KCB Capital, KCB Foundation and all associate companies. The holding company was set up to among other things to enhance the Group's capacity to access unrestricted capital and also enable investment in new ventures outside banking regulations, achieve operational and strategic autonomy for the Group's operating entities and enhance corporate governance across the Group and oversight in management of subsidiaries.KEY RESPONSIBILITIES  To develop and lead the implementation of credit origination strategy in line with the overall Corporate Banking/ KCB Group strategy. Evaluation of credit appetite including appropriateness of structure considering application, tenor, risk versus return relationship, and the evaluation of effectiveness of risk mitigants Deliver well thought out decisions showing sound judgement where applications are within delegated sanctioning authority. Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal. Identify and manage existing high-risk accounts and undertake the necessary corrective action when the risk profile threatens to become unacceptable. In liaison with the credit administration unit and relationship managers, provide oversight of performance of facilities booked in Kenya from other KCB Group subsidiaries to ensure that they remain performing and in the good book. Robust Covenant Monitoring to ensure that all approved covenants are tracked as per approval terms.  Present applications to the relevant credit committee and/or delegated credit evaluators. Responsible for the oversight and implementation and adoption within Corporate Credit, of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This entails the consideration and approval of customers including those that require being subjected to enhanced Due Diligence for on boarding and continued business. Support the corporate business units to deliver world class service to our external customers. Assist relationship managers in negotiating term sheets with clients ensuring that the deal structure, conditions, and covenants conform to the overall credit requirements of the bank. Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty. Spearhead improvement of service delivery and query resolution including defining customer pain points and providing solutions in collaboration with other stake holders. Academic & Professional Qualifications Education  Bachelor’s Degree RQ  Professional  Qualifications Certificate in Commercial Credit RQ CPA,ACCA,CFA, AKIB  AA  Master’s Degree  Finance or a Business Related  Field  AA  Experience Total Minimum No of Years’ Experience Required in the Financial Sector 10 Years  Detail   Minimum No of Years[1]  Need Type Strategy development and implementation 6 ES Commercial acumen  8 Sectors/Industry knowledge  8 ES Credit Management  8 ES Portfolio Management  8 ES Banking Operations  6 Client experience – end to end 8 Financial Analysis & Performance Management  8 ES Risk Management  8 Compliance  8 Leadership  6 ES Project Management 4