• I&M Bank
  • Nairobi County, Kenya
  • Dec 06, 2017 - Dec 16, 2017
Full time Business Development

Job Description


The role will report to the Relationship Manager (RM) and  will be responsible for:
• Analyzing and preparing high quality credit appraisals/applications for new and existing customers within required timelines for review by the Relationship Manager. This involves:-

a) Researching on the customer (KYC) either based on existing information or in the case of a new customer, performing research.
b) Understanding the facilities requested.
c) Working out the required securities to be provided.
d) Analysing the customer’s financials.
e) Giving an overall risk rating based on overall analysis.
f) Giving justification for the facilities.
g) Making amendments based on feedback received from Relationship Manager in accordance with the Bank’s principles on lending, and CBK guidelines.
h) Preparing & submitting Credit Appraisal’s to Credit Department.
i) Resolving follow-up queries and proposed amendments to Credit Appraisals.
j) Reaching out directly for additional information required for Credit Appraisal preparation.

• Conducting on-going research and analysis to enable the Relationship Managers fully understand the business context and assist in identifying future business opportunities. Interpreting research findings & analytics and making recommendations regarding potential opportunities.
• Preparation of Account Plans that will  assist in identifying various  business opportunities in close partnership with RM’s
• Compiling & analyzing information regarding sales activities and business pipeline
• Interacting and liaising with clients with the intention of providing or requesting for information to assist in deal execution and/ or gathering critical information for the Bank.
• Preparing letters requesting review information and following up for receipt of the required information in liaison with the RM’s as well as maintaining a diary of due dates for review to ensure facilities are reviewed on schedule
• Reviewing and dispatching of letter of Offer (LOO); follow-up with client to ensure LOO is signed.
• Assisting RM in follow-up with credit administration for timely disbursement of funds to client
• Supporting RM in pre-client meeting preparation; attending meetings and building client rapport; gathering relevant information to generate call report; preparing call report
• Supporting RM’s in Excess Management, Compliance/Audit related issues and generally ensuring an efficient credit process
• Supporting RM’s in resolution of client queries in liaison with other Departments and assisting in ensuring continued client satisfaction.


• Bachelor’s degree in a Business related field from a recognized institution.
• CPA (K) / ACCA or its equivalent;
• Member of Institute of Certified Public Accountants (ICPAK) or its equivalent professional body.
• At least 1 year relevant experience
• Ability to write letters, reports and/or perform routine calculations
• Knowledgeable in financial analysis;
• Good communication and interpersonal skills.
• Excellent credit risk assessment skill