Daraja Microfinance Bank Credit Risk Analyst Job in Kenya

Daraja Microfinance Bank

Credit Risk Analyst

Reporting to: Credit Manager.
The Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.


Key Roles and Responsibilities
  • Evaluating Clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them and enhance quality of credit applications
  • Preparing reports on the degree of risk in lending money to clients and keeping company credit exposures within set risk bearing limits
  • Keeping knowledge of key issues up-to-date (for example legal, market risk and compliance issues)
  • Evaluating the financial status of clients by producing financial ratios and their analysis and conferring with the credit associations and references to exchange credit information on clients.
  • To analyze loan request summaries, records and using data to recommend payments plans for loan applications before submitting the loan applications for approval.
Key Skills and Competencies
  • Degree in Business or related field
  • Minimum of 2 years’ experience in lending and credit analysis
  • Knowledge of Central Bank of Kenya Regulatory Rules and Microfinance act
  • Strong analytical skills
  • Proper and organized documentation skills
  • Attention to detail
Other Requirements
  • Certificate of good conduct
  • Clean credit history
How to Apply

Qualified candidates should send their CV with a cover letter, contact details, 3 referees and expected remuneration to jobs@darajabank.co.ke clearly indicating the job title on the subject line.

Closing date for the applications will be 26th December, 2016.

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