Fresh Recruitment at Equity Bank Kenya

Key Responsibilities: 

• Receive claim notification from customers/Branches and advise the customer/branch on relevant claim requirements.
• Confirmation of cover existence, scope, premium payment, policy period, declarations etc.
• Ensuring immediate notification of the claim to the respective underwriters
• Guides the BO/policy holder on the required documents and the claim process.
• Receiving claim documents from branches/ customers.
• Scrutinizing the supporting documents to ensure completeness and accuracy of the same and forwarding to insurers if they are in order.
• Capture and maintain claim records.
• Continuous follow-up with relevant service providers until their reports are received by the insurers.
• Constant follow-up of claims with the underwriters on behalf of clients/ branches.
• Disseminating information from the underwriters to the branches and vice versa.
• Offering support whenever necessary to internal clients i.e; DRU officers, Credit officers, Bank Admin officers.
• Engaging the walk-ins claim clients and offering the best solution within the shortest time possible.
• Continuous review with insurers to ensure strict adherence of set SLAs and guidelines.
• Timely response to customers and Branch enquiries
• Take part in vetting of terms to ensure completeness and fair pricing of products.
• Review of all legal related claims in liaison with relevant insurers.
• Managing physical total loss documents and submission to the relevant insurers.

Qualifications

Qualifications and Experience

• Bachelor’s degree in, Insurance or a Business-related degree. 
• A Certificate of Proficiency (COP) in Insurance
• 1 Year experience in underwriting and claims
• Strong knowledge of compliance and regulatory requirements in both banking and insurance sectors.
• Sales experience is an added advantage.

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• Business Efficiency manager is specifically tasked with improving Turnaround Time (TAT) on loans and other products, plays a critical role in streamlining processes, enhancing operational workflows, and driving performance improvements within the SME banking. This role is focused on reducing delays, optimizing loan processing, and improving the overall efficiency of banking products and services offered to small and medium-sized enterprises (SMEs).

Key Responsibilities       

Optimize Loan and Product Processing:

• Analyze the current loan and product application processes to identify inefficiencies that impact TAT.
• Work with relevant stakeholders (e.g., SME RMs, risk managers, and compliance teams) to streamline application intake, approval workflows, and documentation processes.
• Propose and implement strategies to reduce delays in the loan disbursement process and other SME banking products.

Process Mapping and Improvement:

• Conduct thorough process mapping for all SME loan products and services, identifying bottlenecks and areas of improvement.
• Apply process improvement methodologies to enhance the efficiency of workflows.
• Ensure that each step in the loan approval or product fulfillment process is optimized for speed without sacrificing compliance or quality.

Automation and Technology Integration:

• Collaborate with IT teams, Product house to implement automation tools, workflow management systems, and digital platforms to speed up processing times.
• Promote the adoption of digital tools (e.g., e-signatures, online loan applications, and automated credit scoring systems) to reduce manual interventions and accelerate approval timelines.

Data Analysis and Performance Tracking:

• Monitor and analyze key performance indicators (KPIs) related to TAT, loan processing times, and product fulfillment cycles.
• Use data-driven insights to identify trends, issues, and opportunities for further process improvements.
• Report progress regularly to senior management on TAT reduction efforts and efficiency improvements.

Cross-Functional Collaboration:

• Collaborate with various internal departments, including credit risk, compliance, Legal, operations, and customer service, to ensure alignment and smooth execution of improvement initiatives.
• Engage with frontline staff (e.g. SME RMs and Relationship managers business, Business Growth & development managers) to gather feedback on process pain points and identify solutions.
• Foster collaboration between operations and IT teams to ensure that any technological enhancements align with operational needs and goals.

Policy and Regulatory Compliance:

• Ensure that all process improvements comply with relevant regulatory guidelines and internal bank policies.
• Work with compliance and risk management teams to ensure that speeding up TAT does not compromise the accuracy of credit assessments or the bank’s risk profile.
• Continuously stay up to date on regulatory changes that might impact SME lending products and adapt processes accordingly.

Customer Experience Improvement:

• Ensure that any improvements made to TAT also result in an enhanced customer experience, aiming to reduce friction for SME clients when applying for loans or using other banking products.
• Develop a customer-centric approach that not only aims for speed but also ensures that SMEs are provided with clear communication, transparency, and high-quality service during the process.
• Address customer complaints and feedback regarding slow processing times, resolving them promptly.

Risk Management:

• Ensure that efforts to reduce TAT do not compromise the bank’s risk management framework, particularly in the areas of credit risk and compliance.
• Work closely with risk teams to balance the need for speed with the necessity of thorough risk assessments and compliance checks.

Qualifications

Qualifications, Experience & Key Competencies

• A degree in Business administration, finance, economics, or a related field.
• Experience (typically 5+ years) in banking, loan processing, or operations management, with a focus on efficiency improvements.
• Process Improvement Expertise: Strong experience with process mapping, optimization, and improvement techniques (e.g., Lean, Six Sigma, Agile).
• SME Banking Knowledge: In-depth understanding of SME lending products, loan underwriting, and the unique needs of SME clients.
• Technology Proficiency: Familiarity with automation tools, digital banking platforms, and workflow management systems.
• Project Management: Proven ability to lead cross-functional projects, particularly those aimed at improving operational efficiencies and reducing processing times.
• Data Analysis: Strong analytical skills to track TAT, measure improvements, and make data-driven decisions.
• Customer-Centric: Focus on improving the customer experience by reducing delays and ensuring seamless service delivery.
• Compliance Awareness: Knowledge of banking regulations and compliance requirements, particularly as they apply to lending and SME banking.
• Leadership and Collaboration: Ability to work with and lead multiple departments, influencing change and driving results.

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Role Summary:

The lead technical product manager will be a key member of the ICT and Product team organization. The lead will be responsible for the technical success of cards ATMs and SWITCH products. The lead will be crucial in the formulation of the products strategy, product design, product development, and delivery of world-class card products that resonate with how our customers live their lives and accomplish their commercial operations. 

The lead will report to the Payments Director ICT. The role will be working closely with project managers, technical product managers, product owners, QAs, product analysts and solution architects as well as the larger ICT team from the bank. The role will be the key bridge between the internal technical team and cards, ATMs and SWITCH technology and service provider. 

The lead technical product manager will ensure ATMs, Cash Deposit machines, card management systems, card production systems / hardware and other related card support applications are implemented and supported adequately; in a manner that ensures the customer receives reliable service, their information is secured properly, and Service Level agreements of uptime and performance is attained and always maintained. 

The role also involves ensuring delivery of new initiatives and projects that cover any of the supported systems or related areas. The lead will develop in conjunction with business and product owners the roadmap for CARD, SWITCH and ATM products. They will work to make it easy for the bank to issue and accept cards.  They will drive technical collaboration with external providers and 3rd parties such as Card Schemes, Technical Processor, and others to keep business running effectively.

Responsibilities:

• Participate in stakeholder management: strategize, execute, and communicate. ensure alignment of business goals with the incremental delivery of solutions.
• Lead the definition of cards ATMs and SWITCH payments product requirements using input from various sources including external sources such as market trends, technology innovations, industry standards, bold intelligence, and customer research, as well as internal sources such as analytics, marketing, operations, and customer feedback.
• Manage feature prioritization & trade-off decision making working together with business & engineering teams.
• Ensure delivery of scalable, reliable, and maintainable platforms and solutions
• Assess the business impact of different solutions and the trade-offs between customer needs, technology requirements and costs.
• Lead and work closely with technical product managers across all products and channels capabilities to prioritize initiatives, share insights on customer demands, identify opportunities for teamwork, and coordinate product development and delivery.
• Ensure Knowledge Transfer and hand off to Support teams and users.

Qualifications

Required Skills:

• Domain knowledge of the cards industry technicalities such as ISO8583, CARD Track data is a must.
• Knowledge of payments systems standards such as PCI/DSS
• Must have worked as a developer and successfully implemented integration to core banking systems, card SWITCH and HSM systems.
• Skills using a modern software development language such as Java, Golang, C# or .NET.
• Knowledgeable of card based key exchange standards, encryption, hashing and other security related algorithms and techniques.
• superior interpersonal & collaboration skills with demonstrated ability to use diplomacy & communication skills to influence outcomes and influence others.
• Experience and expertise in project planning, product definition, feature prioritization, and roadmap creation.
• Strong analytical skills with hands on experience in conducting technological analyses of business problems developing technical roadmaps, story outlines, writing user stories, refining product backlogs, and coordinating/prioritizing conflicting requirements in a fast-paced, demanding environment.
• Customer-centric mindset with a passion for discovering consumer behavior, trends, and opportunities for innovation.
• Product development experience in a high-tech company or a reputable fintech is a plus.
• Basic understanding of programming languages, software architecture, data analytics, MI reporting etc.
• Ability to Keeps up with industry trends.

Qualifications: 

• Bachelor’s degree in information technology, engineering, or related field required. MBA in addition is preferred.
• 7+ years’ experience as a technical lead or similar role related to product cards, ATMs and payments SWITCHes

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Key Responsibilities

• Supporting Universal RMs Across the Branch Network
• Partner with Universal RMs to identify and develop wealth management opportunities within their client base.
• Act as a trusted resource for private wealth expertise, providing advisory support during client engagements.
• Build the capacity of Universal RMs through continuous training, workshops, and on-the-job coaching in private wealth management strategies.
• Client Advisory and Relationship Management
• Serve as the primary wealth management expert for clients requiring bespoke financial solutions.
• Provide comprehensive advisory services, including portfolio management, tax optimization, succession planning, and philanthropic structuring.
• Cultivate long-term, trust-based relationships with HNWIs, UHNWIs, and family offices across the Equity Group footprint.
• Business Development and Origination
• Develop and execute strategies to originate new wealth management clients independently.
• Identify opportunities to expand EIB’s wealth management footprint within and beyond the existing client base.
• Build a pipeline of prospects by leveraging market intelligence and personal networks.
• Capacity Building and Training
• Enhance the technical capabilities of Universal RMs by delivering structured learning programs on private wealth solutions and global best practices.
• Align training initiatives with EIB’s strategic objectives to ensure the delivery of seamless, client centric wealth management services.
• Product and Market Expertise
• Maintain a deep understanding of financial markets, investment products, and client preferences.
• Collaborate with product teams to ensure offerings are competitive, innovative, and tailored to the unique needs of clients in Sub-Saharan Africa.
• Stay informed on global and regional economic trends to proactively advise clients on emerging opportunities.6. Compliance and Execution
• Ensure all client engagements and transactions adhere to EIB’s compliance standards and 
• regulatory requirements.
• Lead the execution of wealth management transactions, working collaboratively with internal 
• teams to deliver flawless service.

  Qualifications

• Bachelor’s degree in finance, Economics, Business Administration, or related fields. A Master’s degree, MBA, or professional certifications (CFA, CIFA, CISI) preferred.
• Minimum of 7–10 years of experience in wealth management, private banking, or financial advisory roles, ideally with regional or international exposure.
• Demonstrable success in originating and managing relationships with HNWIs and UHNWIs.
• Strong understanding of financial planning, portfolio management, and investment advisory services

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Job Purpose:  

Reporting to the Relationship Manager Business, the Regional Manager Personal Banking has the responsibility to coordinate all the personal banking business at the regional level to ensure the bank strategies, goals and objectives are achieved.   

The Regional manager will support the business to achieve its objectives on Loan Book Growth, Deposit Mobilization, Quality management, Staff productivity, Mentorship and Training of staff and implement the bank’s strategy at the regional level. 

Job Responsibilities/ Accountabilities:

Monitoring and Surveillance. 

• Relationship management of the personal banking borrowers in the region. 
• Regular engagement with staff on arrears management. 
• Snap check customer loan applications during branch visit to ensure compliance.  
• Query daily arrears report with the officers and branch. 
• Ensuring compliance of staff to P&Ps. 
• Train the BCC and branches on any amendments in the personal banking product offering. 

Market Outreach & Promotion:   

• Hold consultative meetings with stakeholders e.g. Private, parastatals, NGO’s and   Government institutions,  
• Prepare keynote message for general and specific forums to sell personal banking value proposition to the market. 
• Provide Marketing and promotion materials to the personal banking officers 
• Manage inquiries on Personal Banking at the regional level and in the marketplace. 
• A brand ambassador of Equity bank in the market through marketing storms and intuitional visits 

 Training, Mentorship & Coaching 

• Oversee and support in financial literacy in personal banking customers in the region 
• Recommend training budgets  
• Sensitizing officers on the newly signed MOUs for financial solutions for our stakeholders. 
• Cascade the personal banking product offerings to officers and the branches. 
• Induction & Training of new Personal banking staff. 
• Enhance the Organization culture and core values among the Sector Team members. 

Growth of the Personal Banking Loan book. 

• Support branches in growth initiative such as marketing storms  
• Seek and manage Partnerships aligned to the portfolio growth objectives.  
• Relationship management of the depositors in the region. 
• Enforcing service delivery within the stipulated SLAs. 
• Participate in development of Sector Products and reviews based on market needs,  
• Participate in formulation of the Sector strategy and ensures its full implementation. 

Staff Productivity 

• Monitor and hold weekly performance review discussions with Personal banking officers in the region. 
• Identifying staff gaps, training of new staff and deployment of staff to branches 
• Directs and executes the Organization staff performance management plans. 
• Regional Sector Staff Growth and development, Talent identification and recommendation for alignment to available opportunities 
• Generate & Share productivity report with the branches. 

Other Roles 

• Liaison with various Sector internal and external Stakeholders in the Region  
• Update and advise the Segment Head- Personal Banking on progress of Personal banking business in the region. 
• Any other duties as may be assigned by the line manager 

Qualifications

Qualifications and Experience  

• Business – related university degree 
• At least 6 years’ experience as a Relationship Manager - Personal Banking/ Consumer Lending. 

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• The General Manager - Information Systems Audits is responsible for leading the information systems audit and advisory engagements across the Group. This role oversees the planning, execution, and reporting of IT audits, as well as providing strategic advisory services to enhance the organization's IT controls, risk management practices, and alignment with industry best practices. The role shall focus on operational leadership, execution oversight, and subsidiary coordination. 
• Reports to Group Head of Audit - Technology, Digital and Data Analytics 

Job Responsibilities:

• Audit Planning and Execution: 
• Lead implementation of Information Systems Audit strategies 
• Develop and implement an annual information systems audit plan aligned with the risk assessment and regulatory requirements. 
• Lead and coordinate IT audits across the group's subsidiaries, ensuring consistency in audit methodologies and standards. 
• Evaluate the design and operating effectiveness of IT controls, application controls, data integrity, change management, and IT operations. 
• Assess compliance with relevant IT regulations, industry standards, and internal policies. 
• IT Advisory Services: 
• Provide strategic advice and recommendations to enhance the Group's IT controls, risk management practices, and overall technology posture. 
• Conduct IT assessments, gap analyses, and maturity evaluations to identify improvement opportunities. 
• Advise on the implementation of IT frameworks, standards, and best practices across the organization. 
• Support the development and review of IT policies, procedures, and guidelines. 
• Provide relevant assurance and advisory services in select IT projects. 
• Audit Team Management: 
• Provide guidance to Information Systems auditors in subsidiaries, ensuring alignment with Group-wide standards 
• Manage and mentor a team of information systems auditors, providing guidance, training, and professional development opportunities. 
• Assign audit and advisory resources effectively across the group's subsidiaries and ensure adherence to timelines and budgets. 
• Foster collaboration and knowledge-sharing among the IT audit and advisory teams across different locations. 
• Reporting and Communication: 
• Prepare comprehensive audit reports and advisory deliverables detailing findings, risks, and recommendations. 
• Ensure audit findings are escalated appropriately to the Head for strategic review 
• Present audit results, advisory recommendations, and strategic insights to senior management, CIO, and relevant stakeholders. 
• Collaborate with local IT audit teams, IT function, and business units to ensure effective communication and alignment. 
• Provide strategic level advisory through communication of key themes, insights and foresights to senior management and the Board. 
• Stakeholder Management: 
• Build strong governance structures to support cross-subsidiary collaboration. 
• Liaise with relevant stakeholders, including IT managers, business unit leaders, and regulatory authorities, to understand their expectations and requirements. 
• Foster positive relationships with internal and external stakeholders, promoting transparency and trust in the audit and advisory processes. 
• Continuous Improvement and Thought Leadership: 
• Stay updated with emerging IT risks, regulatory changes, and industry best practices, and incorporate them into the audit and advisory programs. 
• Contribute to the development of IT strategies, frameworks, and methodologies within the organization. 

Qualifications:

• Bachelor’s degree in computer science, Information Technology, or a related field. 
• Professional certifications such as CISA, CISSP, or equivalent IT auditing certifications. 
• 10+ years of experience in IT auditing, IT risk management, IT advisory services, or related roles, with a focus on the financial services industry  
• At least 3 years' experience in a leadership role 

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Job Purpose:

To provide leadership in business growth and development in line with the Regional overall strategy. The role responsible for leading regional segment supervisors in meeting business developments strategic targets and responsible in establishing and maintaining key relationships with stake holders in the achievement of the Bank’s strategic goals.

Active member of the Bank’s leadership, contributing to strategic, long, medium- and short-term plans aimed at achieving the bank and departmental objectives. Communicate and articulate the business strategy of the Bank to all stakeholders and keep staff engaged and focused on the business developments goals

Key Responsibilities

Business Development

• Participate in the development of the annual and quarterly financial plans and budgets for the Region.
• Management of borrowing and non-borrowing customers in the region to enhance customer loyalty, mitigate against loss and enhance increased business.
• Regularly review strategic initiatives of the region/segments with a view to take appropriate action.
• Direct the overall effort of the segments in growing business in optimum proportions so as to achieve set targets.
• Develop and deepen relationships with existing and potential customers. Identify and disseminate market opportunities and information to guide business development efforts and product development.
• Spearhead/ conduct regular business visits both to clients of the Bank, prospects and branch/affiliates of the Bank.
• Maintain a sustainable, profitable and high-quality balance sheet.
• Cost management –enforce cost optimization of the resources.
• Continuously review customer value propositions for various customer segments

Market & Customer Service

• Collaborate and coordinate the development and the implementation of the sales initiatives with other regional business stakeholders.
• Continuously conduct and advise market intelligence to identify new markets customer trends, regional government directives and changes in the policy.
• Act as the Banks's brand ambassador.
• Participate in development & execution of strategies that build the Equity brand and endear it to its chosen markets.
• Coordinate Regional marketing initiatives.
• Originate, build and sustain strategic business partnerships.
• Position Equity Bank Kenya as a preferred Bank.
• Ensure full adherence to the Bank’s customer service chatter.
• Increase market share in line with strategic ambitions and in a profitable, ethical and sustainable manner.

Audit Risk & Compliance

• Ensuring the quality of the loan book in the various segments within the region is within expected standards.
• Participates in Regional Credit Committee as per policy.
• Ensure adherence of policies and procedures from regulatory authorities, Equity bank and other stakeholders.
• Put in place effective Business Continuity plan for various segment.
• Ensure audit and risk rating for the Region improves and is within set thresholds as per the key performance indicators communicated sometimes.
• Communicate and articulate the Bank’s risk and control environment to the unit staff and ensure good appreciation of the same.

People Management

• Harness existing and create new competencies in order to achieve competitive advantage.
• Maintain the appropriate number and caliber human resource to deliver exceptional service, achieve targets and maximize the business' efficiency and effectiveness.
• Manage succession at segments levels and strive to have competent successors for every key position in the branch with the aim of efficient business continuity and cost management.
• Mentor and coach staff to build their capacity to perform the roles assigned to them.
• Provide career guidance and avail learning opportunities and assignments to enhance engagement and career progression.
• Maintain high morale and motivated staff in the region.
• Set performance expectations and conduct performance management evaluations promptly to ensure superior performance levels are maintained.
• Adhere to HR policies in the management of employees.

Performance & Reporting

• Optimize the use of the Bank’s Management Information System for staff performance management.
•  Ensure optimum segmentation of the Bank’s client database and targeted marketing on the various business segments.
• Submission of relevant and timely reports to the various key stakeholders to aid in decision making.

Qualifications

Qualifications, Experience & Competencies

• Bachelor’s degree in business administration, finance, or a related field.
• At least 5 to 8 years’ work experience as a Relationship Manager Business or similar role.
• Knowledge of organizational effectiveness and operations management.
• Experience in budgeting and forecasting.
• Leadership and management skills.
• Ability to develop, implement, and review policies and procedures.
• Ability to oversee budgeting, reporting, planning, and auditing.
• Understanding of necessary legal and regulatory documents.
• Ability to address problems and opportunities for the company.
• Excellent communication skills.
• Outstanding organizational skills

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Key Responsibilities

Legal Affairs

• Provide authoritative legal advice to the MD, board, and senior leadership on regulatory, transactional, and contractual matters.
• Draft, review, and negotiate investment agreements, commercial contracts, and cross-border deals in line with applicable laws.
• Lead dispute resolution, litigation, and regulatory investigations, in collaboration with Group Legal and external counsel.
• Ensure regulatory filings, disclosures, and legal risks are proactively managed and documented.

Regulatory Compliance

• Implement and oversee a robust compliance framework covering financial crime, capital markets, and data protection laws across jurisdictions.
• Maintain a real-time regulatory dashboard and ensure alignment with the primary and secondary regulators’ requirements.
• Serve as EIB’s liaison with regulators and coordinate audits, inspections, and enforcement actions.
• Submit quarterly and annual compliance reports to the EIB Board and the Group Compliance Office, as appropriate.
• Monitor the compliance landscape of investment banking and ensure full compliance with applicable laws, avoid penalties.
• Sensitize the Board and staff of new legislation, compliance requirements and ensure full compliance within the stipulated timelines.
• Develop and maintain a robust and up to date Obligations Register.
• Ensure tracking and closure of regulatory and internal audit findings.
• Work with relevant stakeholders in the Group to ensure that the required controls to mitigate compliance risk are embedded into new products and initiatives.

Corporate Governance

• Coordinate board activities including preparation of board calendar, workplans, trainings in line with regulatory and directors needs.
• Drive the development and periodic review of EIB’s board charter, code of conduct, and governance framework, business policies in line with laws and Group policies.
• Advise the board on director appointments and other changes, governance obligations, and conflict of interest management.
• Prepare and review board and committee documentation, take minutes and ensure compliance with statutory and regulatory filings.
• Ensure the legal validity of decisions passed by the Board
• Support country-level adaptations of governance frameworks in compliance with local laws.

Ethics, Risk, and Controls

• Identify, assess, and mitigate legal, compliance, and governance risks (e.g., AML/CFT, reputational, data, market, cyber) as required by local laws where EIB operates.
• Promote a culture of compliance, ethics, and institutional integrity across EIB.
• Lead internal investigations and enforce compliance with the code of conduct, whistleblower protocols, and disclosure controls.
• Collaborate with the Risk Officer, Internal Auditor, and CFO to strengthen internal controls and governance monitoring.

Strategic Expansion

• Provide legal and regulatory guidance for market entry in new jurisdictions.
• Oversee the legal structuring, licensing, and setup of subsidiaries or investment vehicles.
• Conduct legal due diligence, establish jurisdiction-specific compliance models, and support local regulatory engagement.

Leadership and Oversight

• Build, lead, and mentor a pan-African legal, governance, and compliance team, aligned with EIB’s growth ambition.
• Ensure the functional independence of compliance officers, internal auditors, and risk managers in line with local requirements.
• Develop internal policies for legal, regulatory, and governance capacity building.
• Serve on board-level governance and audit committees, as required.
• Monitor global developments (legal and regulatory) trends affecting investment banking operations and provide strategic guidance to ensure there’s proactive alignment and compliance.

Stakeholder Engagements

• Collaborate with the other stakeholders to identify, control and assess compliance risks within EIB.
• Maintain good working relationships with regulators and external stakeholders.
• Broaden internal and external networks and keep up to date with regulatory requirements and industry best practice to continuously improve the effectiveness of compliance risk management.

Qualifications

Required Qualifications & Experience

• Bachelor of Laws (LLB) from a recognized university.
• Bar admission in at least one of EIB’s operating jurisdictions (Kenya, Uganda, Tanzania, Rwanda, DRC, South Sudan).
• Postgraduate qualification (LLM, MBA, or Certified Compliance designation) is an added advantage.
• 12+ years of post-qualification experience, with 5+ years in a senior legal or compliance leadership role within financial services, capital markets, or cross-border investment platforms.
• Admission to practice as a Corporate Secretary in Kenya
• Deep knowledge of regulatory regimes in Kenya, Uganda, Tanzania, Rwanda, DRC, and South Sudan.
• Demonstrated experience interacting with financial regulators and navigating multi-jurisdictional legal frameworks.

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Job Purpose:

The Holder of the role shall oversee Credit Risk Underwriting duties within the branch. The Branch Credit Manager is responsible for overseeing the credit operations within the branch, ensuring the effective management of credit risk, and maintaining the quality of the loan portfolio. This role involves evaluating loan applications, making credit decisions, and ensuring compliance with the bank's credit policies and procedures.

Key Responsibilities 

• In charge of Credit underwriting process and chair of the Branch Credit Committee (B.C.C).
• 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.
• 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.
• Proactively support the Relationship Manager - Business in managing portfolio quality and minimize delinquency.
• Credit Evaluation: Assess and evaluate loan applications to determine creditworthiness and risk.
• Decision Making: Approve or recommend credit decisions within delegated authority limits.
• Customer Service: Provide excellent customer service by addressing client inquiries and resolving credit-related issues.
• Reporting: Prepare and present credit reports and analysis to senior management.
• Training: Provide training and guidance to branch staff on credit policies and procedures.
• Liaison person between the branch and regional office credit function.
• Perform any other duties as assigned from time to time.

Qualifications

Qualifications, Experience & Competencies

• Bachelors’ Degree in a finance or related field.
• At least 8 years of relevant working experience, with 3 of these having been in a Credit admin role.
• Thorough understanding of the Bank’s Lending strategy across various segments/sectors.
• Proven Credit Risk Management track supported by good underwriting skills.
• In-depth understanding of credit risk assessment, loan processing, and regulatory requirements.
• Relevant certifications in credit management or banking are a plus.