Key Responsibilities

• Develop and implement of the Bank’s credit strategy.
• Formulate and implement the Bank’s credit policy.
• Conduct regular reviews of the credit policy to ensure its relevance to business requirements and CBK and statutory regulations.
• Ensure compliance with the Bank’s credit policies and procedures.
• Ensure that customers’ financing needs for working capital and capital expenditure are addressed appropriately and profitably through the offer of suitable credit products.
• Formulate and optimize credit scoring strategies in various business areas.
• Ensure and maintain proper documentation of all advances.
• Liaise with valuers and advocates to monitor perfection of securing documentation in conformity with the terms of offer letters.
• Ensure compliance with Central Bank guidelines in relation to credit transactions, asset classification, income recognition and provisioning norms.
• Manage credit risk though regular analysis and evaluation;
• Make recommendations and develop techniques and strategies to manage, control and mitigate risk.
• Liaise with the Credit Reference Bureau on prospects/ commitment clients and report our under performing files to ensure non- migration of bad assets within the industry.
• Carry out credit appraisals to vet all credit proposals from branches and other lines of business.
• Monitor and administer credit performance through reports and returns from officers/ branches.
• Liaise with the compliance team to ensure lending activities within the pre-determined risk profile and statutory / regulatory requirements.
• Overall control of the lending book; manage all substandard and bad accounts to maximize recovery and ensure that appropriate and timely loan loss provisions have been made.
• Provide oversight and guidance on the credit cycle operations across the business and to business heads.
• Prepare and submit reports on credit control, risk and bad debts.
• Manage all credit related matters with a high degree of integrity.
• Manage, lead and develop staff in the credit department.

• A Bachelors Degree in a Business or Finance related field.
• A Masters Degree in a relevant field will be an added advantage.
• A minimum of 10 years experience in a credit function, 5 of which must be in senior managerial level within a bank, financial institution or other service oriented organisation.
• Financial/credit risk and analysis training and other relevant credit training at an advanced level.
• Experience in and understanding of credit processes, lending and customer care.
• Knowledge and understanding of the Banking Act and Central Bank of Kenya (CBK) clearing procedures and prudential guidelines.

• Strong analytical skills
• Strong planning skills
• Strong negotiation/ selling skills
• IT skills
• Business development skills
• Strong management and leadership ability
• Strong presentation, communication and interpersonal skills
• Must meet a high level of integrity.
• Should demonstrate a high degree of confidentiality and sensitivity when dealing with internal and external customers.