Vacancies at Rose Avenue Group

Job Responsibilities

• Responsible for the review and maintenance of the Credit Remedial and Recoveries Policies, Procedures, guidelines, charters.
• Monitor and control pre 90 days Credit Portfolio throughout the Bank to ensure that asset quality is maintained and improved (PAR & Migration) to within acceptable standards.
• Overall management of non-performing debts to prevent deterioration and improve the bank’s lending asset quality.
• Control specific provisions within budget and ensure adequate levels of provisioning on all accounts in accordance with the laid down credit policies.
• Managing recovery costs within budgets.
• Compliance with the bank’s Credit/NPL Policies and CBK Prudential Guidelines on loan classification and provisioning.
• Timely submission of NPL returns to the Board and CBK.
• Formulation of exposure/recovery strategies, action plans and supervising implementation for expedited closure.
• Reduce non-performing credit through aggressive recoveries and viable restructuring thus contributing to the Bank bottom line through provisions write backs.
• Stakeholder management and participation in partnership engagement meetings/forums.
• Responsible for high staff productivity and optimum staffing with the department.
• Responsible for ensuring staff awareness is carried out on Remedial and Recoveries initiatives in order to align and yield maximum value.
• Oversight and support to subsidiaries in the management of the non-performing debts.

Other Requirements

• Bachelor’s degree in in a Business-related field from a recognized University.
• Certification in Credit Management.
• Professional certification in AKIB/CIB, CPA (K), ACCA.
• Master’s degree in a Business-related field from a recognized University is an added advantage.
• Minimum of ten (10) years in the Banking Sector with 8 years in a Credit environment of which five (5) years must be at senior management level in a Collections, Remedial & Recoveries.
• Proven Credit collections, remedial & recoveries skills.
• Proven planning, organization and execution skills
• Knowledge in SQL and data manipulation to be able to prepare dashboards and required reports to the management.
• Excellent interpersonal, communication and negotiation skills.
• Excellent writing and presentation skills
• Critical thinking and problem-solving skills
• Excellent decision-making and leadership skills
• Strong knowledge of business entity legal structures and risk rating
• Customer and Stake holder management skills
• Analytical and report writing skills
• Excellent understanding of financial statements and ratios, credit reports, personal financial statements
• Ability to work under pressure and within strict deadlines
• Entrepreneurial/Commercial mind-set
• Change management and conflict resolution skills
• Knowledge of bank lending policy and CBK prudential guidelines
• Active listening.

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Job Responsibilities

• Evaluate and approve wholesale credit proposals (new facilities, renewals, amendments and cancellations) in line with internal policies, market dynamics and financial analysis, escalating those beyond delegated authority.
• Analyse and verify credit documentation, including financial statements and bank records, liaising with Wholesale Senior Relationship Managers and Relationship Managers for clarifications or additional information.
• Conduct client visits, independently or with Relationship Managers, to gain deeper insight into the client’s business, operations and market environment.
• Review credit decisions made by delegated authority holders within the unit to ensure consistency and adherence to policy.
• Respond to audit requirements and ensure timely resolution of audit findings relating to the wholesale credit function.
• Monitor the corporate credit portfolio, tracking renewals, limit expiries, early vintage performance indicators, migration and portfolio at risk (PAR).
• Ensure compliance with turnaround times (TATs) and service level agreements for credit processing and approvals.
• Support the development and continuous improvement of credit policies, manuals and risk frameworks.
• Contribute to the creation and refinement of product standards and guidelines for wholesale lending programmes.
• Prepare and deliver periodic reports on the wholesale credit portfolio, covering performance trends, risk indicators, limit utilisation and compliance metrics.
• Ensure timely submission of reports to senior management, regulators and internal stakeholders, supporting strategic decision-making and portfolio oversight.
• Lead and mentor the wholesale credit team, ensuring high performance, accountability and a culture of proactive risk management and compliance.

Other Requirements

Qualifications

• Bachelor’s degree in Finance, Accounting, Business or a related field from a recognised institution.
• Certified Credit Professional (CCP) or Diploma in Credit Management.
• Professional certification in AKIB/CIB, CPA (K) or ACCA.
• A Master’s degree in a business-related field from a recognised university is an added advantage.

Experience

• Minimum of seven (7) years’ experience in credit risk, corporate banking or wholesale lending, of which at least three (3) years must be in a supervisory or team leadership role.
• Experience with complex credit structures, syndicated loans or sector-specific lending is an added advantage.

Technical Knowledge & Skills

• Knowledge and understanding of banking operations (international and domestic).
• Credit risk principles and regulatory frameworks.
• Wholesale credit analysis.
• Portfolio oversight.
• Strong analytical and financial modelling skills.
• Good policy development and management capabilities.
• Financial acumen.
• Financial regulations (domestic and international).
• Risk management and financial standards (domestic and international).
• Project management.

Leadership & Behavioural Competencies

• Strategic focus, orientation, creativity and innovation.
• Coaching, leadership and influencing skills.
• Team building and conflict management.
• Initiative, proactiveness and ownership.
• Organisation and coordination.
• General managerial and administrative ability.
• Emotional intelligence.
• Decisiveness.
• Relationship management.
• Integrity and discretion.
• Resilience and tenacity.
• Analytical and problem-solving skills.
• Interpersonal skills.
• Communication skills (oral and written).

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Job Responsibilities

• Evaluate credit risk by conducting thorough financial and business analysis to assess corporate clients’ creditworthiness using models, benchmarks, and sectoral insights.
• Recommend or approve credit limits and terms within delegated authority while ensuring alignment with the organization’s risk appetite and policy frameworks.
• Design and implement credit policies, exposure limits, and scoring systems to manage risk effectively.
• Track and control the wholesale credit portfolio by identifying early warning signs and ensuring compliance with approval conditions.
• Enhance internal processes and turnaround times to meet service level agreements and improve operational controls.
• Monitor and control the wholesale credit portfolio by daily reviewing and monitoring the corporate loan portfolio to ensure compliance with post-approval conditions, sanctioned limits and Bank policies, and recommend inclusion of deteriorating accounts in the Early Alert Accounts List.
• Collaborate with internal teams such as business units, legal, finance, and compliance, and participate in credit committees to align decisions with business goals.
• Promote best practices across business units and foster collaboration to strengthen the Bank’s risk profile.
• Pursue personal development and proactively seek greater responsibilities to enhance professional growth.
• Prepare and present credit reports, risk dashboards, and portfolio reviews to senior management.
• Maintain audit-ready documentation and support internal and external audits.

Other Requirements

Education and Professional Qualifications

• Bachelor’s degree in Finance, Accounting, Business or a related field from a recognized institution.
• Certified Credit Professional (CCP) or Diploma in Credit Management.
• Professional certification in AKIB/CIB, CPA (K) or ACCA.
• Master’s degree in a Business-related field from a recognized university is an added advantage.

Experience

• Minimum of 7 years’ work experience in banking, of which five (5) years must be in Corporate Credit and relationship management at a management level.

Knowledge and Technical Skills

• Knowledge and understanding of banking operations (international and domestic).
• Credit risk principles and regulatory frameworks.
• Wholesale credit analysis.
• Portfolio oversight.
• Strong analytical and financial modelling skills.
• Strategic orientation, creativity and innovation.
• Financial acumen.
• Finance and accounting.
• Banking industry knowledge.
• Financial industry knowledge.
• Knowledge and understanding of financial regulations (domestic and international).
• Knowledge and understanding of risk management and financial standards (domestic and international).

Behavioural Competencies

• Initiative and taking ownership.
• Team building and conflict management.
• Organization and coordination.
• Emotional intelligence.
• Decisiveness.
• Managing relationships.
• Project management.
• Integrity and discretion.
• Proactiveness.
• Analytical skills and problem solving.
• Resilience, tenacity and integrity.
• Interpersonal skills.
• Communication (oral and written).

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Job Responsibilities

Business Growth and Performance

• Prepare and execute the branch plan, budget and targets, aligned to the institution’s strategy.
• Expand the customer base, deposit book, loan portfolio and fee income through active selling and relationship management.
• Tap opportunities in the retail, SME and agent banking segments within the branch’s catchment area.
• Track profitability, control expenses and report results against targets.
• Encourage customers to adopt mobile, online and agent channels.

Branch Operations

• Run daily branch activities, including opening and closing routines, cash handling and vault controls.
• Ensure transactions are accurate and completed within service timelines.
• Protect staff, customers, cash and premises, and maintain workable business continuity plans.
• Make sure ATMs, systems and equipment are working, and follow up quickly on outages.
• Keep the branch clean, professional and welcoming, in line with brand standards.

Credit Management

• Source, assess and recommend lending proposals within approved limits and credit policy.
• Monitor portfolio quality, confirm complete documentation and security registration, and chase overdue accounts.
• Assist in recoveries and keep non-performing loans at acceptable levels.

Risk, Compliance and Control

• Comply with banking legislation, regulatory guidelines and internal policies.
• Apply KYC, anti-money laundering and counter-terrorism financing requirements, and report suspicious transactions through the correct channels.
• Maintain robust controls to prevent fraud, errors and losses.
• Resolve audit, risk and compliance issues promptly and satisfactorily.
• Protect customer information in line with data protection law and information security policy.

Customer Service

• Promote a customer-first culture and consistent service standards.
• Handle escalated complaints fairly and on time.
• Cultivate relationships with key clients, businesses, institutions and other stakeholders.
• Drive customer retention and cross-selling.

People Leadership

• Coach and motivate the team, set clear performance goals, and carry out regular appraisals and feedback.
• Identify training needs, plan for succession and strengthen team capability.
• Build an ethical, inclusive workplace and manage discipline in line with HR policy and employment law.
• Maintain adequate staffing and cover so service continues uninterrupted.

Community and Stakeholder Engagement

• Represent the institution before the community, local government, authorities and business groups.
• Take part in corporate social responsibility and brand-building activities.
• Maintain good working relations with security agencies and local partners to support branch safety.

Other Requirements

Education

• A bachelor’s degree in a business-related discipline (e.g. banking and finance, business administration, commerce, economics, accounting) from a recognised university.
• A master’s degree (e.g. MBA) and/or professional credentials (e.g. CPA, ACCA, CFA, Chartered Banker) is an added advantage.

Experience

• At least 5 years in banking or a similar financial institution, including a minimum of 2 years in a supervisory or branch management position.
• Hands-on experience in credit, sales and relationship management.
• A proven record of achieving targets and leading teams.

Skills and Abilities

• Strong grasp of banking operations, products, credit and risk management
• Credit appraisal and financial analysis
• Sales, marketing and business development
• Knowledge of the regulatory environment, including AML/CFT
• Leadership, coaching and people management
• Communication, negotiation and presentation
• Problem-solving and sound decision-making
• Competence in banking systems and Microsoft Office
• Ability to engage diverse customers and communities

Core Competencies

Integrity, accountability for results, customer focus, team leadership, planning and organisation, resilience and adaptability, and relationship building and influence.

Working Conditions

• Branch-based, with occasional travel for meetings, training and business development.
• Standard banking hours, with extra hours when business needs require.