Caritas Microfinance Bank is seeking a Credit Analyst to support the Head of Credit in planning, coordinating, and controlling all lending activities to minimize credit risks. The successful candidate will prepare independent analysis of credit reviews and submit summaries for review, ensuring that the bank's lending portfolio remains healthy and compliant with regulatory standards.
Job Purpose
To support the Head of Credit to plan, coordinate, and control all lending activities to minimize credit risks. To prepare independent analysis of credit reviews and submit summaries of analysis for credit review.
Key Responsibilities
Reviewing files for compliance with approval conditions.
Weekly analysis of loan-book performance and risk migration.
Develop and track key performance indicators in all business segments on a daily/weekly/monthly basis.
Conduct quality checks to ensure branches follow the bank’s credit policy, CBK prudential guidelines, and best practices in appraisal and approval.
Generate accurate management reports on business performance to facilitate decision-making.
Work with business teams to roll out training on credit applications and portfolio management.
Assess temporary credit requests and recommend for approval.
Recommend changes to lending policies in line with business dynamics.
Check completeness of documents submitted by business segment credit analysts and branch managers.
Provide coaching, guidance, and training on aspects of credit including policy and procedures to branch staff.
Regularly analyze the risk profile of the bank’s loan portfolio by product and segment.
Assign risk grades for each portfolio type following the guidelines in the bank’s credit policy manual.
Ensure timely approval of all credit applications.
Preparation of various credit reports.
Review credit policy and update it in line with changes in the lending environment.
Review new and existing products as per bank’s guidelines.
Ensure compliance with both internal and external regulatory requirements.
Qualification and Experience Requirements
Holder of a Bachelor’s degree in a business-related field.
Must have scored a minimum of C+ in overall KCSE exams and Mathematics.
Minimum of 5 years’ working experience in lending-related activities in the financial sector.
Professional banking qualifications will be an added advantage.
Knowledge of lending products and prudential guidelines.
Ability to lead teams and deliver business results.
Must be self-driven with excellent administrative, communication, and interpersonal skills.
Strong organization and negotiation skills.
How to Apply
Interested candidates who meet the criteria above are encouraged to send their application letters and detailed CVs to: recruitment@caritas-mfb.co.ke. Kindly indicate the position title on the subject line when applying. Closing date for application will be 18th April 2026.
How to Apply
Interested candidates who meet the criteria above are encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke. Kindly indicate the position title on the subject line when applying. Closing date for application will be 18th April 2026.
