Assistant Relationship Manager at Equity Bank Kenya

The position

The Assistant Relationship Manager - Credit shall, primarily, be responsible for conducting detailed analysis on the credit worthiness of a borrower and making a credit recommendation on whether the application should be approved or declined.

Key Responsibilities & Accountabilities

• Responsible for analysing domestic and foreign financial documentats, completion of due dilidence activities, negotiating loan structures , identifying, mitigating and properly documenting risks and credit exceptions and recommending risk ratings and exposure strategues via preparation of credit proposals.
• Present credit proposals to credit committees when called upon to do so.
• Manage individual pipeline from loan application to booking. This includes partnering with other lines of business to support timely delivery of the entire credit process.
• Prepare interim and annual reviews and test covenants for large exposure accounts and communicate material changes to the relevant credit committees.
• Pre-flight complex transactions to promote a smooth beginning-to-end transaction. This includes engaging with the customer to understand their credit needs and making recommendations for the appropriate loan structure and required appraisal documents.
• Participate in loan book growth activities.
• Train other staff members and provide support when necessary.
• Participate in the department’s team building activities.

Qualifications

• Experience in engaging senior executives in facilitating decision-making and reporting is required.
• A minimum of three years’ of SME credit experience is required
• possession of International Credit experience is an added advantage
• Strong financial, accounting, and credit skills is required.
• Bachelor’s degree from a reputable instiution is required with post graduate training in financial services as an added advantage.
• Strong understanding of overall banking operations , credit policies, processes and procedures is required. 

Competencies / Attributes / Knowledge and Skills:

• Ability to collaborate with geographically diverse teams
• Ability to coach, mentor, train and transfer skills to others.
• Strong negotiation skills.
• Excellent interpersonal skills and the ability to build business partnerships with teams who may not be co-located