Credit Analyst – (CA/05/26) at SMEP Microfinance Bank

The job holder will be charged with conducting rigorous loan appraisals.  He/she will ensure all credit requests are underwritten in line with laid down internal policies, procedures, product guidelines and best practices. The role undertakes a preventive approach in de-risking lending to ensure high portfolio performance, ease of recovery, competitive turn-around time and avoidance of unwarranted or emerging risks through time-to-time recommendations on areas of improvement. 
Key Duties & Responsibilities 

• To participate and support the Spiritual formations and rhythms in the Bank, in order to maintain a focus on the Bank’s Christ-centered culture.  
• Management of credit risks through analysis and recommendation of approvals for facilities within the Institutions tolerable risk levels 
• Performing quality assurance checks on revenue assurance and system surveillance on loan modules 
• Ensure high turnaround time (TAT) for Credit proposals  
• Co-ordinate efforts together with Risk, Internal Audit, Credit Administration and Branches to ensure adherence to the Bank’s Credit Policy and lending guidelines 
• Work closely with both the Manager - Credit Analysis and Head of Credit to maintain appropriate credit risk management culture 
• Review loan security margins as per the existing market trends and advise the management on any necessary reviews. 
• Recommend policy reviews for customer experience improvement and risk management improvement based on experiences and industry trends  
• Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO) 
• Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within credit risk analysis  
• Performing quality assurance checks on revenue assurance and system surveillance on loan modules and report anomalies noted. 

 Key Qualification, Qualities & Competencies 

• Must be a practicing Christian who lives and upholds Christian values, with a passion to serve 
• An undergraduate Bachelor’s degree in a Business-related field from a recognized institution. 
• Professional qualifications in  Credit e.g CCP, Credit Risk Assessment , CPA are an added advantage. 
• At least 5 years’ relevant experience in appraising SME, Group and Individual Micro loans  
• Numerical ability to analyze and interpret financial statements 
• Report writing and presentation skills  
• High degree of confidentiality  
• Clear understanding of microfinance/banking industry is an added advantage.  
• Good interpersonal & communication skills with excellent customer service.  
• A team player with the drive to improve performance.  
• Proficient computer skills 
• Self-driven and possess the ability to work with minimum supervision 

 End Date 10th June, 2026