Head of Credit

A top employer is now accepting applications for this role. Job Purpose To manage the overall credit function of the bank. This entails the end-to-end credit operations and service delivery processes by establishing internal controls and processes for credit assessment, restructuring, monitoring and recovery. Job Specification

• Developing, reviewing and implementing policies, programmes and strategies for lending.

• Compliance with the Lending policy of the Bank, statutory and regulatory requirements.

• Developing and reviewing standard operating procedures.

• Coordinating preparation of credit proposals for consideration and approval.

• Coordinating management of loans and advances portfolio.

• Monitoring and evaluating the Bank’s loans and advances portfolio performance and revenue generation.

• Coordinating processing of information and filing of periodic returns to the Central Bank of Kenya.

• Managing the Bank’s equity investments.

• Coordinating the preparation of management and statutory reports.

• Any other duties as may be assigned from time to time.

Person Specification For appointment to this grade, a candidate must have:

• Master’s degree in Business Administration, Finance, or a related field from a recognized institution.

• Bachelor’s degree in Actuarial Science, Commerce, Economics, Business Administration, Finance, or a related field.

• Registration with a recognized professional body (KIB, ICPAK, FMA, CRM, Diploma in Credit, or equivalent).

• At least twelve (12) years’ relevant experience, three (3) at Manager level or equivalent.

• Hands-on experience in collateral-based lending and portfolio monitoring.

• Strong understanding of credit risk assessment and portfolio management.

• Ability to manage delinquent accounts and minimize NPLs.

• Knowledge of regulatory compliance and risk governance.

• Strong stakeholder engagement skills.

• Leadership training from recognized institutions.

• Excellent computer literacy.

• Knowledge of banking processes.

• Demonstrated results in performance.

• Compliance with Chapter Six of the Constitution.

Key Competencies and Skills

• Excellent business acumen

• Strong leadership skills

• Excellent communication and interpersonal skills

• Report writing skills

• Strong analytical and numerical skills

• Situational analysis capability

• Attention to detail and critical thinking

• Innovative skills