Credit Origination Manager

The Credit Origination Manager is responsible for ensuring the appraisal of quality profitable loans and identifying risks to be properly mitigated. This role involves conducting thorough analysis of credit requests, confirming borrower creditworthiness, and ensuring compliance with both internal policies and external regulations. The manager acts as a strategic bridge between the business units and the credit department, providing leadership to the team while supporting income generation targets and maintaining high operational standards.\n\n### Principle Accountabilities\n\n#### Credit Appraisals\n- Confirm borrower's credit worthiness as presented by the Business Banking Team.\n- Conduct thorough analysis of bank statements, alternative payment modes (Mpesa, Airtel Money), and cash collections.\n- Assess credit requests via Credit Proposals and confirm suitability of collateral.\n- Identify credit risks and breaches, proposing appropriate mitigation measures.\n- Review facility pricing against set policies.\n- Recommend credit proposals for review or return to Business Banking Team with feedback.\n- Apply prevailing economic trends and risk ratings in the appraisal process.\n- Handle policy exceptions and seek necessary approvals.\n- Ensure approved loans progress with risks well mitigated, justifying any minor underwriting amendments.\n- Guide team members on risk mitigation techniques for bankable credits.\n- Monitor turnaround times and reworks for credit analysis.\n\n#### Relationship Management\n- Provide the interface between business and credit units.\n- Give quality feedback to business teams on application quality and improvement areas.\n- Support business teams with prompt feedback to serve customers timely.\n- Provide business reports on loans processed and declined to help in decision-making.\n- Support branches in packaging credit proposals for faster approval.\n\n#### Income Generation & Cost Containment\n- Support the Business Team to achieve interest and non-interest income targets.\n- Ensure application of correct charges and provision for excesses.\n- Manage office costs and cross-sell bank products.\n\n#### Operations & Audits\n- Ensure compliance with all credit policy guidelines and CBK Prudential Guidelines.\n- Develop templates and handle audit queries related to the credit process.\n- Train teams one-on-one to reduce back-and-forth errors.\n\n#### Team Management\n- Lead and motivate the team to achieve individual and organizational objectives.\n- Identify and address credit skills gaps through training.\n\n### Key Competencies and Skills\n- Working knowledge of Bank products, Credit policy, and CBK Prudential Guidelines.\n- Ability to analyze and interpret bank and financial statements.\n- Analytical business and investment appraisal skills.\n- Proficiency in computerized financial analysis applications.\n- Candid knowledge of various economy sectors and investment opportunities.\n- Excellent written and verbal communication and presentation skills.\n- Strong interpersonal and leadership skills.\n\n### Minimum Qualifications, Knowledge and Experience\n- University Degree in a business-related field (Economics, Finance, or Accounting).\n- Master's degree is an added advantage.\n- Professional qualification in Credit Management, Accounting, or Banking (AKIB).\n- CPA or ACCA qualification.\n- Certification in financial modelling.\n- Minimum of 7 years' experience in banking and financial analysis, with at least 3 years in a credit origination department in a fast-paced SME/Business Banking space.\n- Good track record of credit analysis and understanding of financial policies, procedures, and external regulations.\n- In-depth knowledge of the local banking industry, credit processes, and governance requirements.\n\n### How to Apply\nInterested and qualified candidates should apply online through the HF Group career portal. Visit HF Group on www.hfgroup.co.ke to submit your application.