Avenews provides fast and reliable financing solutions for Kenyan agribusinesses poised for growth, serving as a trusted partner to fuel expansion.

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Credit Analyst

Job TypeFull Time

QualificationBA/BSc/HND

Experience2 - 3 years

LocationNairobi

Job FieldFinance / Accounting / Audit

Key Responsibilities

Credit Assessment & Underwriting

• Conduct credit analysis and evaluate financial data to assess the creditworthiness of clients.
• Provide risk-aligned inputs to support decision-making.
• Collaborate with account managers, customer care agents, and the sales team to validate borrower information and assess risk in business context.

KYC Documentation

• Document verification to identify and prevent fraud.
• Verify the accuracy and completeness of client-provided information.
• Support the completion of KYC processes for both new and existing clients, ensuring compliance with regulatory requirements and internal policies.

Portfolio Monitoring

• Monitor the loan portfolio to identify high-risk exposures and support ongoing loan reviews.
• Collaborate with Account Managers to ensure timely completion of periodic portfolio assessments.

Policy, Process & Control

• Contribute to the enhancement of credit and risk policies.
• Help review loan documentation and ensure compliance with internal risk guidelines.
• Any other responsibility that will be assigned from time to time by the line manager.

Requirements

Education: Bachelor’s degree in Finance, Economics, Statistics, or a related quantitative field.

Experience: 2–3 years in credit analysis within a Bank, Microfinance (MFI), or Fintech environment; experience in Agri-lending is a plus.

Financial Analysis: Expert ability to analyze financial statements and cash flow cycles to determine debt-service capacity.

Technical Skills: Advanced proficiency in MS Excel & Spreadsheets.

Regulatory Knowledge: Strong understanding of CBK Prudential Guidelines and the Data Protection Act.

KYC & Compliance: Eye for detail to perform document verification, identify fraud red flags, and ensure 100% regulatory compliance.

Soft Skills: Excellent communication and negotiation skills to collaborate with other team members on high-risk interventions.

Portfolio Management: Proven track record in monitoring PAR buckets and implementing recovery strategies for under-performing loans and market segments.

• Conduct credit analysis and evaluate financial data to assess the creditworthiness of clients.
• Provide risk-aligned inputs to support decision-making.
• Collaborate with account managers, customer care agents, and the sales team to validate borrower information and assess risk in business context.
• Document verification to identify and prevent fraud.
• Verify the accuracy and completeness of client-provided information.
• Support the completion of KYC processes for both new and existing clients, ensuring compliance with regulatory requirements and internal policies.
• Monitor the loan portfolio to identify high-risk exposures and support ongoing loan reviews.
• Collaborate with Account Managers to ensure timely completion of periodic portfolio assessments.
• Contribute to the enhancement of credit and risk policies.
• Help review loan documentation and ensure compliance with internal risk guidelines.
• Any other responsibility that will be assigned from time to time by the line manager.

• Expert ability to analyze financial statements and cash flow cycles to determine debt-service capacity.
• Advanced proficiency in MS Excel & Spreadsheets.
• Strong understanding of CBK Prudential Guidelines and the Data Protection Act.
• Eye for detail to perform document verification, identify fraud red flags, and ensure 100% regulatory compliance.
• Excellent communication and negotiation skills to collaborate with other team members on high-risk interventions.
• Proven track record in monitoring PAR buckets and implementing recovery strategies for under-performing loans and market segments.

• Bachelor’s degree in Finance, Economics, Statistics, or a related quantitative field.
• 2–3 years in credit analysis within a Bank, Microfinance (MFI), or Fintech environment; experience in Agri-lending is a plus.