Assistant Manager – Credit Risk Analysis

Key Responsibilities

• Credit Appraisal Oversight: Review and oversee loan appraisal processes to ensure all credit requests comply with internal policies, procedures, and lending guidelines.
• Proposal Analysis: Analyze credit proposals and provide recommendations based on financial analysis, risk assessment, and lending criteria.
• Risk Methodology: Ensure lending proposals are thoroughly analyzed using approved credit appraisal methodologies and risk assessment tools.
• Portfolio Management: Support achievement of portfolio growth and profitability targets while maintaining acceptable portfolio quality standards.
• Risk Mitigation: Monitor portfolio at risk (PAR), loan default trends, and recovery performance to support proactive risk mitigation.
• Committee Participation: Participate in Head Office Credit Committee meetings and prepare supporting credit analysis reports and board papers.
• Policy Enhancement: Support review and enhancement of credit policies, lending procedures, and credit risk frameworks.
• Inter-departmental Coordination: Coordinate with branches, Credit Administration, Internal Audit, Risk, and Compliance teams to ensure adherence to credit policies.
• Regulatory Compliance: Monitor unusual or suspicious transactions and ensure compliance with AML, KYC, and CFT requirements.
• Assessment Tools: Utilize CRB reports, scoring tools, and risk matrices in loan appraisal and pricing decisions.
• Authority Limits: Ensure policy exceptions and credit approvals are processed within approved authority limits.
• Audit & Quality Assurance: Support closure of audit findings, implementation of corrective actions, and conduct quality assurance reviews on loan appraisal processes.
• Service Management: Maintain agreed turnaround times for credit appraisal and customer response management.
• Team Leadership: Supervise, mentor, and support Credit Analysts through coaching, training, and performance management initiatives.
• Training Development: Participate in development of staff training materials and capacity-building programs for lending teams.
• Reporting: Prepare periodic portfolio quality, appraisal performance, and risk management reports for management review.
• Ethics: Promote high ethical standards, integrity, and compliance culture within the credit function.

Requirements

• Bachelor’s Degree in Commerce, Business Administration, Economics, Banking, Finance, or a related field.
• Professional certification in Credit Risk Management or Credit Analysis is mandatory.
• Minimum of 5 years’ relevant experience in credit risk analysis, lending, or debt recovery within a financial institution.
• Supervisory or people management exposure is highly preferred.
• Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
• Strong understanding of CBK Prudential Guidelines, credit risk management, and lending operations.
• Knowledge of CRB processes, credit scoring tools, and portfolio monitoring frameworks.
• Strong financial analysis, report writing, and decision-making skills.
• Proficiency in Microsoft Office applications and credit management systems.