Assistant Manager – Credit Risk Analysis

Position Overview

• Our client, a reputable and regulated financial services institution, is seeking to recruit a highly analytical and results-driven Assistant Manager – Credit Risk Analysis to support credit appraisal, portfolio quality management, and credit risk mitigation initiatives across the organization.

Key Responsibilities

• Review and oversee loan appraisal processes to ensure all credit requests comply with internal policies, procedures, and lending guidelines.
• Analyze credit proposals and provide recommendations based on financial analysis, risk assessment, and lending criteria.
• Ensure lending proposals are thoroughly analyzed using approved credit appraisal methodologies and risk assessment tools.
• Support achievement of portfolio growth and profitability targets while maintaining acceptable portfolio quality standards.
• Monitor portfolio at risk (PAR), loan default trends, and recovery performance to support proactive risk mitigation.
• Participate in Head Office Credit Committee meetings and prepare supporting credit analysis reports and board papers.
• Support review and enhancement of credit policies, lending procedures, and credit risk frameworks.
• Coordinate with branches, Credit Administration, Internal Audit, Risk, and Compliance teams to ensure adherence to credit policies.
• Monitor unusual or suspicious transactions and ensure compliance with AML, KYC, and CFT requirements.
• Utilize CRB reports, scoring tools, and risk matrices in loan appraisal and pricing decisions.
• Ensure policy exceptions and credit approvals are processed within approved authority limits.
• Support closure of audit findings and implementation of corrective actions within the credit function.
• Conduct quality assurance reviews on loan appraisal processes and system-generated reports.
• Maintain agreed turnaround times for credit appraisal and customer response management.
• Provide feedback to branches and lending teams on credit applications and portfolio quality matters.
• Supervise, mentor, and support Credit Analysts through coaching, training, and performance management initiatives.
• Participate in development of staff training materials and capacity-building programs for lending teams.
• Prepare periodic portfolio quality, appraisal performance, and risk management reports for management review.
• Promote high ethical standards, integrity, and compliance culture within the credit function.

Qualifications & Requirements

• Bachelor’s Degree in Commerce, Business Administration, Economics, Banking, Finance, or a related field.
• Professional certification in Credit Risk Management or Credit Analysis required.
• Minimum of 5 years’ relevant experience in credit risk analysis, lending, or debt recovery within a financial institution.
• Supervisory or people management exposure is highly preferred.
• Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
• Experience in the same business is preferred.
• Strong understanding of CBK Prudential Guidelines, credit risk management, and lending operations.
• Knowledge of CRB processes, credit scoring tools, and portfolio monitoring frameworks.
• Strong financial analysis, report writing, and decision-making skills.
• Excellent communication, negotiation, and stakeholder management capabilities.
• Proficiency in Microsoft Office applications and credit management systems.

Key Competencies

• Credit risk analysis and loan appraisal
• Portfolio quality and risk monitoring
• Lending operations and credit compliance
• Financial analysis and risk assessment
• Leadership and team supervision
• AML, KYC, and regulatory compliance
• Communication and report writing skills
• Negotiation and decision-making skills
• Analytical and problem-solving abilities
• Time management and organizational skills

End Date:12th June 2026