Careers at Equity Bank Kenya

Job purpose

Reporting to the Senior Program Manager, the BDS Coordinators will be responsible for supervising the BDS mentors building the capacity of micro, medium and small entrepreneurs in the BDS program in the assigned region.

Roles and Responsibilities

• In liaison with branch leadership, Supervise overall implementation of the BDS Program at regional level.
• Provide advice and technical support to the BDS mentors within their designate region. 
• Lead in the implementation, monitoring, and reporting of the BDS programme within their designate region.
• Reporting -Consolidating and compiling progress reports for all BDS mentors in the region allocated.
• Visiting the selected MSMEs and participating in selected mentorship sessions ensure delivery of quality BDS support.
• Manage relationships within program partners and stakeholder.
• Provide support in the gathering of data and information needed for the successful implementation of the program in the county. 
• Collaborating the end of BDS support assessments within region assigned.
• Review and approve of staff field facilitation expenses.
• Participate in the review meetings with the Young Africa Works Program leadership.
• Participate in the development, review, and update process of the BDS program.
• Evaluating of the BDS mentorship conducted Young Africa Works Program.
• Monitoring, reporting, reviewing, and evaluating of the progress of the BDS program.

Qualifications

Candidate’s Qualifications, Knowledge, and Experience

• Mean Grade of C+ in Kenya Certificate of Secondary Education.
• University degree, preferably in Entrepreneurship or Business Management/Administration or related areas.
• Master’s degree in business studies/ commerce/ Entrepreneurship & related fields will be added advantage.
• Any other University Degree with a Diploma in Entrepreneurship or Business Management or related area.
• At least 5-year work experience supporting Micro, Small and Medium sized enterprises with Entrepreneurship training, business development support, business mentorship & coaching, and business advisory services.
• At least 3-year work experience as a supervisor.
• Proven experiencing in implement and supervising a BDS program.
• Business training and mentorship certification, priority will be given to SiYB trained and certified mentors.
• Strong understanding of provision of financial services and training to MSME is added advantage.

Desired Skills and Ability

• Good communication skills and application of adult learning principles
• Demonstrated Training and facilitation skills with ability to work with diverse business audiences at a group and individual level.
• Ability to make administrative/procedural decisions and judgments.
• Demonstrate understanding of ICT use by the MSMEs.
• Practical experience in offering business advisory, mentorship and coaching to Micro and Small & Medium enterprises.
• Practical experience in business management will be an added advantage.
• Personal discipline and self-initiative.
• Ability to coordinate and organize meetings and/or special events.
• Ability to work independently as well as to function effectively and collaboratively

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Purpose

Reporting to the Group Business Performance Manager, the Business Performance - Senior Manager will be responsible for supporting the Group subsidiaries with Strategy planning and budgeting, managing strategic partnership relationships and reporting, review of cost optimization, board presentation preparation/ review, Business partnership for the commercial and operations departments and subsidiary performance analysis.

Responsibility

• Develop business partnership structures to support the financial performance needs of commercial departments, operations, and other business support functions. The role should additionally challenge budget holders and managers to ensure they effectively use resources to meet demand, performance targets and business plan priorities.
• Lead in development of different performance reports, and partner with Business Intelligence to automate the same. The performance reports will cover customer, customer segment and sector performance, products, business channels and entity level performance reports.
• Assist with development and tracking of performance scorecards for Group Job families e.g. Group Corporate banking.
• Review and consolidation of group entity budgets including alignment of overall budget to individual business segments, sectors and departments.
• Development of Business projections, with clear documentation of business drivers and assumptions as part of Business performance tracking and Mergers & Acquisitions activity.
• Periodic budget variance analysis review and reporting.
• Assist group subsidiaries with quarterly performance forecasting and preparation of future rolling business plans.
• Review and preparation of cost efficiency reports and identification of areas of cost optimization.
• Drive preparation and review of subsidiary performance analysis covering all group entities, business segments & sectors and key performance indicators.
• Review and compilation of accurate subsidiary Board papers and investor briefing presentations on quarterly basis.
• Carry out industry analysis/bank peer review on quarterly basis including market share analysis to advise management on the prevailing business environment and enhance decision making.
• Support the risk department with business plans/ budgets to be used in the ICAAP process.
• Drive financial covenant and other reporting requirements for our strategic partners.

Qualifications

• A degree in Finance, commerce or other relevant business discipline.
• Highly developed written and verbal communication and presentation skills.
• At least 5-8 years relevant commercial and/ or management reporting experience, including exposure to senior executives and directors.
• Knowledge of accounting best practices and regulations. CPA/ ACCA qualification or equivalent required.
• Strong analytical skills.
• Familiarity with business planning, budgeting and budget review processes, financial modelling and post investment review tools and methodologies, and enterprise performance analytics and reporting.
• Working knowledge of Oracle ERP, Oracle BI, Oracle ERP SQL, PowerBI and data analytics languages (Python, SQL, R etc.) will be an added advantage.
• Master's degree in a relevant field an added advantage.
• Excellent knowledge of Microsoft office suite – Ms-Excel and PowerPoint

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Monitoring, Evaluation, Reporting and Learning Manager

This is a management role within the Equity Group Foundation with the candidate working with the Associate Director, Enterprise Development and Financial Inclusion but under the supervision of the General Manager, Monitoring, Evaluation, Reporting and Learning [MERL]. The candidate will be responsible for the implementation of the MERL strategy and delivering high standards of monitoring, evaluation, learning and reporting requirements and program results across the portfolio. He/she will ensure full compliance with donor requirements, assist the program team in design of new programs, development of result frameworks and plans and facilitating capacity building initiatives for both internal staff and external stakeholders when required.

Main Responsibilities

Monitoring and Reporting:

• Monitor and facilitate program progress measurement, reporting and tracking compliance with donor requirements and internal program quality systems.
• Weekly reporting on various data indicators for the different regions as defined by Enterprise Development and Financial Inclusion Pillar
• Conduct simple and complex data analysis processes and reporting for all relevant purposes for the preparation of quarterly reports, annual reports for partners and board reports.
• Take lead in drafting, consolidation, and submission of program reports to program partners, Equity Group Board and the contribute to the preparation of the annual impact report.
• Contribute towards improvement in result-based reporting and quality of reports to donors/partners and internal reporting structures.
• Prepare technical briefs and special papers on key thematic areas of focus and strategic program achievements
• Facilitate the implementation of the MERL plan, regularly revising and updating performance questions, indicators, methods, and formats.
• Coordinate and participate in regular field monitoring and validation visits and submit field visit reports.
• Periodically review and advise on the development of tailor-made MERL tools.
• Take charge of data quality management for the programme and ensure integration of data quality standards in reporting of programme achievements.
• Undertake periodic data quality checks
• Supervise the management of the EGF Data Management and Information System to facilitate effective access to data/information and efficient managerial decision making.
• Supervise and assist with the development of an all-inclusive Enterprise Development and Financial Inclusion Digital platform with training content, e commerce, weather information, etc

Design and Planning:

• Develop and facilitate the review of the programme Theory of Change, MERL frameworks and tools including the specific program MERL plans, log frames, performance monitoring plans and indicator reference sheets.
• Provide technical input in the development of compelling grant proposals and concepts with strong and well-articulated MERL sections.
• With support from the General Manager and other MERL Managers, develop and test systems and processes to respond to the demands of adaptive programming. 
• Support the integration of successful approaches in routine MERL practices.
• Organize and facilitate training on the application of result-based monitoring and evaluation in program design, management, and reporting.
• Prepare MERL activity concepts, annual works plans and budgets.
• Develop and implement cost-effective and real time data collection systems and tools including but not limited to the use of mobile devices and digital survey tools.
• Serve as a key liaison person with EGF program team, finance, operations, procurement, and management teams in MERL related matters.
• Developed a close working relationship with external partners including donors, Government, private sector and Non-Governmental organizations in MERL practice and collaborations.
• Proactively work with the MERL team and key stakeholders to resolve and/or disseminate key risks, issues and best practices identified through the programme monitoring work.

Evaluation and Learning:

• With the assistance of General Manager, take lead in conducting internal evaluations, assessments, tracer studies and other relevant special studies on periodic basis.
• Facilitate quarterly program reviews against the set KPIs and draft program review reports to EGF management and partners.
•  Developing terms of reference(s), scope of works, selection, and supervision of external service providers/consultants.
• With the assistance of General Manager, coordinate external program evaluations and assessments and ensure learning is understood and disseminated to all the relevant stakeholders.
• Coordinate the Identification and documentation of result-oriented case studies, success stories and other qualitative progress reporting methods periodically. 
• Represent the MERL department and the foundation whenever called upon in external meeting and forums with stakeholders.
•  Regularly review and improve the MERL system by seeking stakeholder inputs and through consultations with MERL practitioners in other organizations.
• Lead the program team in periodic program reviews 
• Contribute to a culture of continuous learning and improvement.
• In collaboration with the other MERL staff, plan and conduct internal program quality assessments including periodic data quality assessments.

Qualifications

• A bachelor’s degree in either monitoring and evaluation, social statistics, project planning and management, development studies or related course. Master’s degree would be an added advantage.
•  Relevant professional certifications and training in monitoring and evaluation and project cycle management.
• Practical knowledge of using data analysis softwares such as; Advanced Excel, SPSS, Python, STATA and NVivo.
• Experience in managing or developing digital platforms or relational database

Desired skills

• Demonstrate understanding of monitoring and evaluation for donor funded programmes and especially in Enterprise Development and Financial Inclusion sector.
• Over 5 years progressive experience in the field of monitoring and evaluation.
• Hands on experience in setting MERL systems and frameworks
• Familiarity with new trends in the MERL field preferably in the development sector.
• Experience in conducting program evaluations, including designing data collection tools/instruments, data visualization and presentation and successfully drafting MERL technical reports.

Competences

• Demonstrates high levels of integrity and ethical standards.
• Proactive and works under minimal supervision.
• Ability to multitask.
• Ability to meet strict deadlines.
• Teamwork and collaboration
•  Attentive to details.
• Possess and demonstrate leadership skills

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Purpose

Senior Manager, Credit Administration at Equity Group Holdings (EGH) will serve as a liaison point of contact in coordination of key Credit Administration deliverables across EGH Subsidiaries, including standardization of processes, procedures, and legal documentation. The role holder will also support Group Credit risk in embedding a strict risk culture across the subsidiaries by ensuring proactive identification of risks and controls, as well as robust management of audit and compliance matters. This will help promote effective governance and thus enhance the quality of the Group’s loan portfolio.

Responsibilities

• Ensuring good Credit Governance is observed across the subsidiaries (Policies, Standards, Processes & Procedures, etc.)
• Compiling Key Credit Admin performance MI across subsidiaries for management consumption.
• Reviewing procedures across subsidiaries to identify gaps and effect harmonization.
• Coordinating standardization of legal-approved facility letters across subsidiaries
• Periodically reviewing MI on Key performance metrics (excesses, overdue/ expired items, etc) from the Credit monitoring dashboard and other sources to identify deteriorating trends and for escalation to Group Credit Management.
• Developing mechanisms for proactive tracking of expiry of limits, collateral documents, and other key items.
• Consolidating and championing standardization of Risk Registers across subsidiaries.
• Following up outstanding Audit and Compliance issues across subsidiaries for timely closure.
• Compiling and sharing best practice/ lessons learnt across the subsidiaries from audit and other findings.
• Providing support to subsidiaries on credit- administration related matters
• Acting as the group Credit Risk Champion in embedding a strict Risk Culture as the First line of Defense.
• Supporting/ coordinating system enhancements/ developments across subsidiaries
• Supporting general administrative matters within Group Credit.

Skills required to undertake the role.

• A good understanding of Credit Risk.
• Credit Monitoring skills.
• Understanding of the Credit Policy and lending Policies.
• High attention to Detail.
• High level of analytical skills.
• High level of negotiation skills to be able deal with different stakeholders across the region.
• Presentation skills & interpersonal skills.
• Proficiency in MS packages.
• Good Organization Skills.
• Ability to handle pressure, conflicting priorities and manage constant changes.

Knowledge of the Banking products, services, policies and or any other specialist knowledge required to undertake the role.

• An in-depth knowledge of the bank’s lending products.
• Good understanding of regional and/or global lending framework with particular emphasis on presence countries.
• A good knowledge of CBK’s prudential guidelines as pertains to lending, and Risk Management Guidelines.
• Excellent knowledge of general banking procedures and policies, operations, as well as regulations.
• A general knowledge of the Group’s vision and focus especially in relation to Management of risks.

Qualifications

• Bachelor’s degree preferably in business, finance or accounting. Professional Banking or Accountancy not limited to AKIB/ACIB CPA, ACCA or CFA will be an added advantage.
• At least 15 years of Credit experience of which 5 must be in Credit Administration.
• International Computer Driving License or other recognized computer certification.
• Ability to interpret financial and legal documents.

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Purpose

General Manager, Large Enterprises Credit Risk Specialist at Equity Group Holdings (EGH) will serve as a point of contact between EGH Subsidiaries Large Enterprises Origination and Group Credit Risk Underwriting Units. The purpose of the job is to enhance the quality of the loan portfolio within Large Enterprises lending units.

Responsibilities

Large Enterprises Credit Risk Underwriting

• Procure support through reviewing and presentation of Large Enterprise credit proposals (Asset Finance Facilities, Trade Finance & Agri-based Facilities) to Group Office Credit Advisory Committee (GOCAC) for respective subsidiaries Board Credit Committee (BCC) approvals.
• Ensure Facilities supported are within the Group’s lending framework and where there are breaches of policy, there is adequate identification and mitigation.
• Review approval papers such as Indicative Term Sheets and Letters of Offer.
• Review and structure requests for non-funded facilities (Letters of Credit & Guarantees) in liaison with the Trade Finance Department.
• Support the Group’s Debt Recovery Unit (Group Special Assets) to ensure that requests relating to delinquent facilities e.g. interest stoppage, restructuring and refinancing, are processed in good time.
• Ensuring Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Group Credit Risk Underwriting section from Subsidiaries (Bank and Non-Bank).
• Monitor legal and regulatory developments that impact risk and lending processes and ensure the Group is in compliance with local and international (where applicable) regulatory requirements.
• Monitor local, national and international economic and/or political indicators as they affect lending decisions/processes.
• Research and obtain sufficient and appropriate information for evaluating business risk.
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports.

Ensuring compliance with Group Lending Framework and Policies

• Ensuring implementation of effective controls over the credit process to ensure a robust control environment.
• Ensure policy breaches/ exemptions are properly authorized at the correct level.
• Proactively review credit facilities/risks and advise Group Head Credit Risk Underwriting on the findings.
• Proactively improve the Group’s credit portfolio through continuous and never-ending improvement.

Customer Service

• Work with other units to ensure good customer service while maintaining appropriate risk Management culture in the Group.
• Provide Credit Risk technical advice or other assistance to all stakeholders in the Group as needed.

Skills required to undertake the role.

• Credit Management and monitoring skills.
• High level of negotiation skills to be able deal with different stakeholders.
• Financial analysis skills and understanding of the Credit Policy and lending Policies.
• Presentation skills & interpersonal skills.
• High level of analytical skills.
• Ability to handle pressure, conflicting priorities and manage constant changes.
• Ability to handle and manage complex credit transactions and offer solutions to the Group.
• Ability to manage/balance between business development needs with sound portfolio management and justify rationale for recommended transactions.

Knowledge of the Banking products, services, policies and or any other specialist knowledge required to undertake the role.

• An in-depth knowledge of the bank’s products relating to all credit products.
• Excellent understanding of regional and/or global lending framework with particular emphasis on presence countries.
• A good knowledge of CBK’s prudential guidelines as pertains to lending.
• Excellent knowledge of general banking procedures and policies as well as regulations.
• In-depth understanding of business environment and financial markets with more focus on presence countries.
• A good knowledge of the Banking operating procedures and approval process.
• A general knowledge and awareness of the current business trends and practices.
• A general knowledge of the Group’s vision and focus especially in relation to Business development and Management of risks.

Qualifications

• Master’s degree and bachelor’s degree preferably in STEM, business, finance or accounting. Professional Banking or Accountancy not limited to AKIB/ACIB CPA, ACCA or CFA will be an added advantage.
• At least 15 years of Credit experience of which 5 must be at credit risk analysis.
• High data rationality, detail consciousness with high analytical and numerical skills.
• Ability to interpret financial and legal documents.
• Good computer skills.

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Purpose

General Manager, Financial Institutions, Country & Sovereign Risk Specialist at Equity Group Holdings (EGH) will serve as a point of contact between EGH Subsidiaries Business Origination and Group Credit Risk Underwriting Units, focusing on Financial Institutions, Country & Sovereign Risk credit applications. The purpose of the job is to enhance the quality of the loan portfolio within Financial Institutions portfolio.

Responsibility

Financial Institutions, Country & Sovereign Risk Underwriting

• Procure support through reviewing and presentation of Financial Institutions credit proposals and all other proposals that have Country and Sovereign risks components to Group Office Credit Advisory Committee (GOCAC) for respective subsidiaries Board Credit Committee (BCC) approvals.
• Ensure Facilities supported are within the Group’s lending framework and where there are breaches of policy, there is adequate identification and mitigation.
• Review approval papers such as Indicative Term Sheets and Letters of Offer.
• Review and structure requests for non-funded facilities (Letters of Credit & Guarantees) in liaison with the Trade Finance Department.
• Review requests for Treasury Limits in liaison with Market Risk, Treasury and Trade department.
• Ensuring Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Group Credit Risk Underwriting section from Subsidiaries (Bank and Non-Bank).
• Monitor legal and regulatory developments that impact risk and lending processes and ensure the Group is in compliance with local and international (where applicable) regulatory requirements.
• Monitor local, national and international economic and/or political indicators as they affect lending decisions/processes.
• Research and obtain sufficient and appropriate information for evaluating business risk.
• Maintain financial information on counterparties including financial and/or non-financial covenants, spreads and interim reports.

Ensuring compliance with Group Lending Framework and Policies.

• Ensuring implementation of effective controls over the credit process to ensure a robust control environment.
• Ensure policy breaches/ exemptions are properly authorized at the correct level.
• Proactively review credit facilities/risks and advise Group Head Credit Risk Underwriting on the findings.
• Proactively improve the Group’s credit portfolio through continuous and never-ending improvement.

Customer Service

• Work with other units to ensure good customer service while maintaining appropriate risk Management culture in the Group.
• Provide Credit Risk technical advice or other assistance to all stakeholders in the Group as needed.

Skills required to undertake the role.

• Credit Management and monitoring skills.
• High level of negotiation skills to be able deal with different stakeholders.
• FIs Financial analysis skills and understanding of the Credit Policy and lending Policies.
• Presentation skills & interpersonal skills.
• High level of analytical skills.
• Ability to handle pressure, conflicting priorities and manage constant changes.
• Ability to handle and manage complex credit transactions and offer solutions to the Group.
• Ability to manage/balance between business development needs with sound portfolio management and justify rationale for recommended transactions.

Knowledge of the Banking products, services, policies and or any other specialist knowledge required to undertake the role.

• An in-depth knowledge of the bank’s products relating to all credit products and in particular financial institutions (money market lines, derivatives, etc.).
• Excellent understanding of regional and/or global lending framework with particular emphasis on presence countries.
• A good knowledge of CBK’s prudential guidelines as pertains to lending.
• Excellent knowledge of general banking procedures and policies as well as regulations.
• In-depth understanding of business environment and financial markets with more focus on presence countries.
• A good knowledge of the Banking operating procedures and approval process.
• A general knowledge and awareness of the current business trends and practices.
• A general knowledge of the Group’s vision and focus especially in relation to Business development and Management of risks.

Qualification

• Master’s degree and bachelor’s degree preferably in STEM, business, finance or accounting. Professional Banking or Accountancy not limited to AKIB/ACIB CPA, ACCA or CFA will be an added advantage.
• At least 15 years of Credit experience of which 5 must be at credit risk analysis focusing on financial institutions.
• High data rationality, detail consciousness with high analytical and numerical skills.
• Ability to interpret financial and legal documents.
• Good computer skills.

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Purpose

General Manager, Corporate/Multinationals Credit Risk Specialist at Equity Group Holdings (EGH) will serve as a point of contact between EGH Subsidiaries Corporate/Multinationals Origination and Group Credit Risk Underwriting Units. The purpose of the job is to enhance the quality of the loan portfolio within Corporate/Multinationals lending units.

Responsibilities:

Corporate/Multinationals Credit Risk Underwriting

• Procure support through reviewing and presentation of Corporate/Multinationals credit proposals (Project Finance Facilities, Asset Finance Facilities, Trade Finance & Agri-based Facilities) to Group Office Credit Advisory Committee (GOCAC) for respective subsidiaries Board Credit Committee (BCC) approvals.
• Ensure Facilities supported are within the Group’s lending framework and where there are breaches of policy, there is adequate identification and mitigation.
• Review approval papers such as Indicative Term Sheets and Letters of Offer.
• Review and structure requests for non-funded facilities (Letters of Credit & Guarantees) in liaison with the Trade Finance Department.
• Support the Group’s Debt Recovery Unit (Group Special Assets) to ensure that requests relating to delinquent facilities e.g. interest stoppage, restructuring and refinancing, are processed in good time.
• Ensuring Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Group Credit Risk Underwriting section from Subsidiaries (Bank and Non-Bank).
• Monitor legal and regulatory developments that impact risk and lending processes and ensure the Group is in compliance with local and international (where applicable) regulatory requirements.
• Monitor local, national and international economic and/or political indicators as they affect lending decisions/processes.
• Research and obtain sufficient and appropriate information for evaluating business risk.
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports.

Ensuring compliance with Group Lending Framework and Policies

• Ensuring implementation of effective controls over the credit process to ensure a robust control environment.
• Ensure policy breaches/ exemptions are properly authorized at the correct level.
• Proactively review credit facilities/risks and advise Group Head Credit Risk Underwriting on the findings.
• Proactively improve the Group’s credit portfolio through continuous and never-ending improvement

Customer Service

• Work with other units to ensure good customer service while maintaining appropriate risk Management culture in the Group.
• Provide Credit Risk technical advice or other assistance to all stakeholders in the Group as needed.

Skills required to undertake the role.

• Credit Management and monitoring skills.
• High level of negotiation skills to be able deal with different stakeholders.
• Financial analysis skills and understanding of the Credit Policy and lending Policies.
• Presentation skills & interpersonal skills.
• High level of analytical skills.
• Ability to handle pressure, conflicting priorities and manage constant changes.
• Ability to handle and manage complex credit transactions and offer solutions to the Group.
• Ability to manage/balance between business development needs with sound portfolio management and justify rationale for recommended transaction.

Knowledge of the Banking products, services, policies and or any other specialist knowledge required to undertake the role.

• An in-depth knowledge of the bank’s products relating to all credit products.
• Excellent understanding of regional and/or global lending framework with particular emphasis on presence countries.
• A good knowledge of CBK’s prudential guidelines as pertains to lending.
• Excellent knowledge of general banking procedures and policies as well as regulations.
• In-depth understanding of business environment and financial markets with more focus on presence countries.
• A good knowledge of the Banking operating procedures and approval process.
• A general knowledge and awareness of the current business trends and practices.
• A general knowledge of the Group’s vision and focus especially in relation to Business development and Management of risks.

Qualifications:

• Master’s degree and bachelor’s degree preferably in STEM, business, finance or accounting. Professional Banking or Accountancy not limited to AKIB/ACIB CPA, ACCA or CFA will be an added advantage.
• At least 15 years of Credit experience of which 5 must be at credit risk analysis.
• High data rationality, detail consciousness with high analytical and numerical skills.
• Ability to interpret financial and legal documents.
• Good computer skills.

go to method of application »

Purpose:

General Manager, Credit Risk Underwriting at Equity Group Holdings (EGH) will serve as a point of contact between EGH Subsidiaries’ Business Origination and Group Credit Risk Underwriting Units. The purpose of the job is to enhance the quality of the loan portfolio within all lending units. The holder of the position will also be actively involved in both internal and external syndications with subsidiaries as well as supporting complex and specialized lending across the Group.

Responsibility:

Credit Risk Underwriting

• Procure support through reviewing and presentation of complex and specialized credit proposals (Syndications, Project Finance Facilities, etc) to Group Office Credit Advisory Committee (GOCAC) for respective subsidiaries Board Credit Committee (BCC) approvals.
• Ensure Facilities supported are within the Group’s lending framework and where there are breaches of policy, there is adequate identification and mitigation.
• Review approval papers such as Indicative Term Sheets and Letters of Offer.
• Review and structure requests for non-funded facilities (Letters of Credit & Guarantees) in liaison with the Trade Finance Department.
• Support the Group’s Debt Recovery Unit (Group Special Assets) to ensure that requests relating to delinquent facilities e.g. interest stoppage, restructuring and refinancing, are processed in good time.
• Ensuring Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Group Credit Risk Underwriting section from Subsidiaries (Bank and Non-Bank).
• Monitor legal and regulatory developments that impact risk and lending processes and ensure the Group is in compliance with local and international (where applicable) regulatory requirements.
• Monitor local, national and international economic and/or political indicators as they affect lending decisions/processes.
• Research and obtain sufficient and appropriate information for evaluating business risk.
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports.

Ensuring compliance with Group Lending Framework and Policies

• Ensuring implementation of effective controls over the credit process to ensure a robust control environment.
• Ensure policy breaches/ exemptions are properly authorized at the correct level.
• Proactively review credit facilities/risks and advise Group Head Credit Risk Underwriting on the findings.
• Proactively improve the Group’s credit portfolio through continuous and never-ending improvement.

Customer Service

• Work with other units to ensure good customer service while maintaining appropriate risk Management culture in the Group.
• Provide Credit Risk technical advice or other assistance to all stakeholders in the Group as needed

Skills required to undertake the role.

• Credit Management and monitoring skills.
• High level of negotiation skills to be able deal with different stakeholders.
• Financial analysis skills and understanding of the Credit Policy and lending Policies.
• Presentation skills & interpersonal skills.
• High level of analytical skills.
• Ability to handle pressure, conflicting priorities and manage constant changes.
• Ability to handle and manage complex credit transactions and offer solutions to the Group.
• Ability to manage/balance between business development needs with sound portfolio management and justify rationale for recommended transaction.

Knowledge of the Banking products, services, policies and or any other specialist knowledge required to undertake the role.

• An in-depth knowledge of the bank’s products relating to all credit products.
• Excellent understanding of regional and/or global lending framework with particular emphasis on presence countries.
• A good knowledge of CBK’s prudential guidelines as pertains to lending.
• Excellent knowledge of general banking procedures and policies as well as regulations.
• In-depth understanding of business environment and financial markets with more focus on presence countries.
• A good knowledge of the Banking operating procedures and approval process.
• A general knowledge and awareness of the current business trends and practices.
• A general knowledge of the Group’s vision and focus especially in relation to Business development and Management of risks.

Qualification:

• Master’s degree and bachelor’s degree preferably in STEM, business, finance or accounting. Professional Banking or Accountancy not limited to AKIB/ACIB CPA, ACCA or CFA will be an added advantage.
• At least 15 years of Credit experience of which 5 must be at credit risk analysis.
• High data rationality, detail consciousness with high analytical and numerical skills.
• Ability to interpret financial and legal documents.
• Good computer skills.