The Relationship Manager - Credit (also referred to as the Branch Credit Manager) is responsible for overseeing credit risk underwriting duties and credit operations at the branch level. The holder of this role ensures the effective management of credit risk and maintains the quality of the loan portfolio. This involves evaluating loan applications, making informed credit decisions, and ensuring compliance with the bank's credit policies and regulatory procedures.
Key Responsibilities
Credit Underwriting: Manage the credit underwriting process and chair the Branch Credit Committee (B.C.C).
Credit Reporting: Prepare all credit reports, including PAR (Portfolio at Risk) analysis, portfolio distribution reports, and monthly credit reports for the Branch Manager.
Coordination: Coordinate the perfection process of securities from the branch through to the Head Office and Legal Department.
SLA Monitoring: Monitor adherence to the Bank's Service Level Agreements (SLA) with various stakeholders involved in the credit process.
Compliance Enforcement: Enforce compliance with all credit policies, procedures, and other regulatory policies at the branch.
Records Management: Oversee the management of customer records and documentation within the branch.
Verification: Verify branch system transactions relating to credit activities.
Portfolio Support: Proactively support the Relationship Manager - Business in managing portfolio quality and minimizing delinquency.
Credit Evaluation: Assess and evaluate loan applications to determine creditworthiness and risk.
Decision Making: Approve or recommend credit decisions within delegated authority limits.
Customer Service: Provide high-quality service by addressing client inquiries and resolving credit-related issues.
Training and Guidance: Provide training to branch staff regarding credit policies and procedures.
Liaison: Act as the primary contact between the branch and the regional office credit function.
Qualifications and Experience
Education: Bachelor’s Degree in Finance or a related field.
Experience: Minimum of 8 years of relevant working experience, with at least 3 of those years in a Credit Administration role.
Strategic Knowledge: Thorough understanding of the Bank’s lending strategy across various segments and sectors.
Underwriting Skills: Proven Credit Risk Management track record supported by strong underwriting skills.
Regulatory Knowledge: In-depth understanding of credit risk assessment, loan processing, and regulatory requirements.
Certifications: Relevant certifications in credit management or banking are considered a plus.
How to Apply
Interested and qualified candidates should submit their application through the Equity Bank career portal. To apply, visit the official recruitment site: equitybank.taleo.net. You can access the direct application link via https://www.myjobmag.co.ke/apply-now/1208553.
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