Our client, a reputable and regulated financial services institution, is seeking to recruit a highly analytical and results-driven Assistant Manager – Credit Risk Analysis. The successful candidate will support credit appraisal, portfolio quality management, and credit risk mitigation initiatives across the organization.
Key Responsibilities
Loan Appraisal & Review: 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.
Portfolio Management: 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.
Committee Support: Participate in Head Office Credit Committee meetings and prepare supporting credit analysis reports and board papers.
Policy & Compliance: Support review and enhancement of credit policies, lending procedures, and credit risk frameworks. Monitor unusual or suspicious transactions and ensure compliance with AML, KYC, and CFT requirements.
Cross-Functional Coordination: Coordinate with branches, Credit Administration, Internal Audit, Risk, and Compliance teams to ensure adherence to credit policies.
Risk Tools Utilization: Utilize CRB reports, scoring tools, and risk matrices in loan appraisal and pricing decisions.
Audit & Quality Assurance: Ensure policy exceptions and credit approvals are processed within approved authority limits. Support closure of audit findings and conduct quality assurance reviews on loan appraisal processes.
Team Leadership: Supervise, mentor, and support Credit Analysts through coaching, training, and performance management initiatives. Provide feedback to branches and lending teams on credit applications and portfolio quality matters.
Reporting: Prepare periodic portfolio quality, appraisal performance, and risk management reports for management review.
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 is 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 the financial services sector.
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
How to Apply
Interested and qualified candidates should apply online through the official AMSOL application portal by clicking the link provided below:
