Relationship Manager - Credit at Equity Bank Kenya

Job Purpose:

The holder of the role shall oversee Credit Risk Underwriting duties within the branch.

Key Responsibilities 

• In charge of Credit underwriting process and chair of the Branch Credit Committee (B.C.C).
• Monitor the lending process at the branch assigned.
• Working closely with the Commercial teams to ensure approval conditions are documented and tracked.
• Liaison person between the branch and regional office credit function.
• Responsible for all credit reports such as PAR analysis, Portfolio distribution. reports, monthly credit reports, and any other information required by the Branch Manager.
• Co-ordinate perfection process from branch through head office and legal Department.
• Monitor adherence to the Bank SLA with various stakeholders along the credit process.
•  As subject matter experts, support the training of staff on the Borrow products and processes.
• Enforce compliance to all credit policies and procedures and other regulatory Policies at the branch.
• Overseeing proper customer records and documents management in the branch.
• Verification of branch system transactions relating to credit activities.
• Ensuring the quick closure of all open Audit items raised within Borrow pillar.
• Proactively support the Relationship Manager - Business in managing portfolio quality.
• Perform any other duties as assigned from time to time.

Qualifications, Experience & Competencies

• Bachelors’ Degree in a finance or related field.
• At least 2 - 4 years of relevant working experience, with 2 of these having been in a Credit admin role. 
• Thorough understanding of the Bank’s Lending strategy across various segments/sectors.
• Thorough understanding of the banking systems with a bias to Dedicated Credit Systems.
• Excellent comprehension of the Banks Policies, Processes and Procedures.
• Self-Driven, an eye for detail and capacity to meet strict deadlines while working under pressure with minimal supervision.
• Proven leadership skills.
• Good analytical skills and ability to think outside the box.
• Team player with excellent interpersonal skills.
• Strong communication, presentation and negotiation skills.
• Understanding of the key drivers of consumer loan/credit card financials and the underlying consumer behaviors that drive those financials.
• Exceptional planning and organizational skills.
• Good knowledge of financial analysis and risk management.
• Proficiency in Microsoft Office Suite.