Background information about the job or company (e.g., role context, company overview)

Equity Bank Limited (The "Bank”) is incorporated, registered under the Kenyan Companies Act Cap 486 and domiciled in Kenya. The address of the Bank’s registered office is 9th Floor, Equity Centre, P.O. Box 75104 - 00200 Nairobi. The Bank is licensed under the Kenya Banking Act (Chapter 488), and continues to offer retail banking, microfinance and relat...

Responsibilities or duties

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 or requirements (e.g., education, skills)

Qualifications, Experience & Competencies

• Bachelors’ Degree in a finance or related field.
• 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.

Experience needed

• At least 8 years of relevant working experience, with 3 of these having been in a Credit admin role.

• 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.

• Credit Risk Management
• Underwriting skills
• Credit risk assessment
• Loan processing
• Regulatory compliance
• Customer service
• Reporting
• Training

• Bachelors’ Degree in a finance or related field.
• Relevant certifications in credit management or banking are a plus.