Credit Origination Analyst-SME Banking at Equity Bank Kenya

Role Purpose:

• Champion of the BORROW Pillar for the Bank & have Overall responsibility for Portfolio Growth, Income Generation and Portfolio Quality within Business Banking.
• Primarily responsible for proper structuring of Borrower needs/solutions that manage inherent risks associated with the portfolio and ensuring high-quality portfolio.
• Closely work with the relevant stakeholders from Origination, Utilization to Monitoring, playing a vital role in deal structuring to add-value from Business, Credit & Bank Policy perspectives.
• Participate and contribute to cross-selling the Bank’s products across other Pillars – MOVE, SAVE & INVEST and INSURE.

Key Responsibilities / Deliverables:

• Accompany Relationship Managers & Product Specialists, as applicable, in Client visits to originate identified Borrowing needs with a view to seamlessly manage the onboarding process.
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with relevant stakeholders in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Prepare and secure approval for Term Sheets, wherever required
• Work with relevant stakeholders in:
  • Obtaining all deal pre-clearances i.e. KYC, AML/CT Screening, ESG Review, CRB Check, etc.
  • Deal Structuring and other relations

Qualifications

Qualification / Certifications:

• Bachelor’s degree from a recognized institution
• Master’s Degree and Certification in Credit Related Course is an added advantage

Experience:

• A minimum of 5 years’ relevant experience
• Good track record of credit analysis and financial understanding.
• In-depth knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices.