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  • Posted: Jul 18, 2025
    Deadline: Not specified
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  • I&M Bank is a wholly owned subsidiary of I&M Holdings Limited, a publicly quoted company at the Nairobi Securities Exchange (NSE). The bank possesses a rich heritage in banking.
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    Manager, Retail Credit Underwriting

    Roles & Responsibilities
    JOB PURPOSE:

    • To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions. 

    PRIMARY RESPONSIBILITIES:

    • Reviewing, analyzing, and assessing credit risk on credit proposals for both new and existing borrowers and making recommendations to the approving authorities.
    • Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
    • Ensuring applications meet turnaround time benchmarks.
    • Coordinate application movement process between branches and approving authorities.
    • Enforcing compliance with the bank's credit policies in daily operations.
    • Identifying and mitigating risks in the underwriting process and escalation these to team leader
    • Participate in Training frontline staff on the loan applications process
    • Guiding/advising branch staff, Relationship staff and DSEs on credit appraisal requirements for the credit products
    • Other duties as assigned from time to time

    Academic Qualifications

    • Bachelor’s degree in business or a related field from a recognized Institution.
    • Professional Banking or Accountancy qualifications will be an added advantage

    Experience and Core Competencies

    • At least 5 years’ experience, 1 of which should be in Retail Credit
    • Knowledge of Retail Banking products 
    • Excellent communication and interpersonal skills
    • Advanced financial risk analysis skills
    • Credit risk management skills
    • Excellent problem solving and decision-making skills 
       

    go to method of application »

    Assistant Manager - Credit Analyst, Retail Credit

    Roles & Responsibilities
    PURPOSE:

    •  To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions. 

    PRIMARY RESPONSIBILITIES:

    • Reviewing, analyzing, and vetting credit proposals and making recommendations to the approving authorities 
    • Ensure requisite documentation and checks are done prior to processing of the applications
    • Ensure all applications are processed within benchmarked turnaround times
    • Approvals within delegated authority
    • Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
    • Identifying areas of weakness and risks in credit process and escalation these to team leader
    • Any other duties assigned from time to time

    QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:

    Academic Qualifications

    • Bachelor’s degree in Business or a related field from a recognized Institution.
    • Professional Banking or Accountancy qualifications will be an added advantage

    Experience and Core Competencies

    • At least 5 years 2 of which should be in Retail Credit
    • Excellent knowledge of all Retail Banking products 
    • Excellent communication and interpersonal skills
    • Advanced financial risk analysis skills
    • Credit risk management skills
    • Excellent problem solving and decision-making skills 

    go to method of application »

    Branch Manager - Homabay

    Job Description

    • The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management. 
    • They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.  

    Roles & Responsibilities

    Key Responsibilities

    • Prospect for new business from new and existing clients.
    • Prepare call reports with recommendations and submit them for approval.
    • Drive branch business performance by achieving growth in performance parameters.
    • Monitor branch sales performance and portfolio growth to meet targets.
    • Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
    • Understand local business drivers impacting branch performance.
    • Submit weekly activity reports including business acquired and customer issues.
    • Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
    • Manage collateral registration process and ensure timely securities perfection.
    • Oversee excess drawings and loan arrears to maintain asset quality.
    • Ensure branch service excellence through monitoring and resolution planning.
    • Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

    Job Dimensions:

    Financial Responsibility:

    • Develop and Manage the Branch Budget

    Job Specifications

    Academic Qualifications

    • Bachelor’s Degree in a Social Science or related field

    Professional Qualifications / Membership to professional bodies/ Publication 

    • Relevant professional qualification; 
    • Member of a relevant professional body

    Work Experience Required

    • Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.

    Competencies:

    • Strong leadership skills
    • Executive disposition
    • Demonstrate high levels of integrity.
    • Excellent communication and interpersonal skills 

    go to method of application »

    Branch Manager - Kitui

    Job Description

    • The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management. 
    • They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.  

    Roles & Responsibilities

    Key Responsibilities

    • Prospect for new business from new and existing clients.
    • Prepare call reports with recommendations and submit them for approval.
    • Drive branch business performance by achieving growth in performance parameters.
    • Monitor branch sales performance and portfolio growth to meet targets.
    • Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
    • Understand local business drivers impacting branch performance.
    • Submit weekly activity reports including business acquired and customer issues.
    • Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
    • Manage collateral registration process and ensure timely securities perfection.
    • Oversee excess drawings and loan arrears to maintain asset quality.
    • Ensure branch service excellence through monitoring and resolution planning.
    • Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

    Job Dimensions:

    Financial Responsibility:

    • Develop and Manage the Branch Budget

    Job Specifications

    Academic Qualifications

    • Bachelor’s Degree in a Social Science or related field

    Professional Qualifications / Membership to professional bodies/ Publication 

    • Relevant professional qualification; 
    • Member of a relevant professional body

    Work Experience Required

    • Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.

    Competencies:

    • Strong leadership skills
    • Executive disposition
    • Demonstrate high levels of integrity.
    • Excellent communication and interpersonal skills 

    go to method of application »

    Branch Manager - Nyahururu

    Job Description

    • The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management. 
    • They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.  

    Roles & Responsibilities

    Key Responsibilities

    • Prospect for new business from new and existing clients.
    • Prepare call reports with recommendations and submit them for approval.
    • Drive branch business performance by achieving growth in performance parameters.
    • Monitor branch sales performance and portfolio growth to meet targets.
    • Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
    • Understand local business drivers impacting branch performance.
    • Submit weekly activity reports including business acquired and customer issues.
    • Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
    • Manage collateral registration process and ensure timely securities perfection.
    • Oversee excess drawings and loan arrears to maintain asset quality.
    • Ensure branch service excellence through monitoring and resolution planning.
    • Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

    Job Dimensions:

    Financial Responsibility:

    • Develop and Manage the Branch Budget

    Job Specifications

    Academic Qualifications

    • Bachelor’s Degree in a Social Science or related field

    Professional Qualifications / Membership to professional bodies/ Publication 

    • Relevant professional qualification; 
    • Member of a relevant professional body

    Work Experience Required

    • Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.

    Competencies:

    • Strong leadership skills
    • Executive disposition
    • Demonstrate high levels of integrity.
    • Excellent communication and interpersonal skills 

    go to method of application »

    Branch Manager - Bomet

    Job Description

    • The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management. 
    • They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.  

    Roles & Responsibilities

    Key Responsibilities

    • Prospect for new business from new and existing clients.
    • Prepare call reports with recommendations and submit them for approval.
    • Drive branch business performance by achieving growth in performance parameters.
    • Monitor branch sales performance and portfolio growth to meet targets.
    • Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
    • Understand local business drivers impacting branch performance.
    • Submit weekly activity reports including business acquired and customer issues.
    • Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
    • Manage collateral registration process and ensure timely securities perfection.
    • Oversee excess drawings and loan arrears to maintain asset quality.
    • Ensure branch service excellence through monitoring and resolution planning.
    • Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

    Job Dimensions:

    Financial Responsibility:

    • Develop and Manage the Branch Budget

    Job Specifications

    Academic Qualifications

    • Bachelor’s Degree in a Social Science or related field

    Professional Qualifications / Membership to professional bodies/ Publication 

    • Relevant professional qualification; 
    • Member of a relevant professional body

    Work Experience Required

    • Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.

    Competencies:

    • Strong leadership skills
    • Executive disposition
    • Demonstrate high levels of integrity.
    • Excellent communication and interpersonal skills 

    go to method of application »

    Branch Manager - Migori

    Job Description

    • The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management. 
    • They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.  

    Roles & Responsibilities

    Key Responsibilities

    • Prospect for new business from new and existing clients.
    • Prepare call reports with recommendations and submit them for approval.
    • Drive branch business performance by achieving growth in performance parameters.
    • Monitor branch sales performance and portfolio growth to meet targets.
    • Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
    • Understand local business drivers impacting branch performance.
    • Submit weekly activity reports including business acquired and customer issues.
    • Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
    • Manage collateral registration process and ensure timely securities perfection.
    • Oversee excess drawings and loan arrears to maintain asset quality.
    • Ensure branch service excellence through monitoring and resolution planning.
    • Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

    Job Dimensions:

    Financial Responsibility:

    • Develop and Manage the Branch Budget

    Job Specifications

    Academic Qualifications

    • Bachelor’s Degree in a Social Science or related field

    Professional Qualifications / Membership to professional bodies/ Publication 

    • Relevant professional qualification; 
    • Member of a relevant professional body

    Work Experience Required

    • Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.

    Competencies:

    • Strong leadership skills
    • Executive disposition
    • Demonstrate high levels of integrity.
    • Excellent communication and interpersonal skills 

    go to method of application »

    Branch Manager - Kitengela

    Job Description

    • The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management. 
    • They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.  

    Roles & Responsibilities

    Key Responsibilities

    • Prospect for new business from new and existing clients.
    • Prepare call reports with recommendations and submit them for approval.
    • Drive branch business performance by achieving growth in performance parameters.
    • Monitor branch sales performance and portfolio growth to meet targets.
    • Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
    • Understand local business drivers impacting branch performance.
    • Submit weekly activity reports including business acquired and customer issues.
    • Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
    • Manage collateral registration process and ensure timely securities perfection.
    • Oversee excess drawings and loan arrears to maintain asset quality.
    • Ensure branch service excellence through monitoring and resolution planning.
    • Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

    Job Dimensions:

    Financial Responsibility:

    • Develop and Manage the Branch Budget

    Job Specifications

    Academic Qualifications

    • Bachelor’s Degree in a Social Science or related field

    Professional Qualifications / Membership to professional bodies/ Publication 

    • Relevant professional qualification; 
    • Member of a relevant professional body

    Work Experience Required

    • Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.

    Competencies:

    • Strong leadership skills
    • Executive disposition
    • Demonstrate high levels of integrity.
    • Excellent communication and interpersonal skills 

    Method of Application

    Interested and qualified? Go to I&M Bank on imbank.myadrenalin.com to apply

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