The Relationship Manager – Credit (Branch Credit Manager) is responsible for overseeing Credit Risk Underwriting duties within the branch. The holder of the role is responsible for overseeing the credit operations within the branch, ensuring the effective management of credit risk, and maintaining the quality of the loan portfolio. This role involves evaluating loan applications, making credit decisions, and ensuring compliance with the bank’s credit policies and procedures.
Key Responsibilities
Credit Underwriting & B.C.C Chair: In charge of the Credit underwriting process and chairing the Branch Credit Committee (B.C.C).
Reporting: Responsible for all credit reports such as PAR analysis, Portfolio distribution reports, monthly credit reports, and any other information required by the Branch Manager.
Process Coordination: Coordinate the security perfection process from the branch level through to Head Office and the Legal Department.
SLA Monitoring: Monitor adherence to the Bank SLA with various stakeholders along the credit process.
Compliance Enforcement: Enforce compliance with all credit policies, procedures, and other regulatory policies at the branch.
Records Management: Overseeing proper customer records and documents management in the branch.
Transaction Verification: Verification of branch system transactions relating to credit activities.
Portfolio Quality: Proactively support the Relationship Manager – Business in managing portfolio quality and minimizing delinquency.
Credit Evaluation: Assess and evaluate loan applications to determine creditworthiness and risk.
Decision Making: Approve or recommend credit decisions within delegated authority limits.
Customer Service: Provide excellent customer service by addressing client inquiries and resolving credit-related issues.
Reporting & Presentation: Prepare and present credit reports and analysis to senior management.
Training & Guidance: Provide training and guidance to branch staff on credit policies and procedures.
Liaison: Act as the liaison person between the branch and the regional office credit function.
Other Duties: Perform any other duties as assigned from time to time.
Qualifications, Experience & Competencies
Bachelors’ Degree in finance or a related field.
At least 8 years of relevant working experience, with 3 of these having been in a Credit Administration role.
Thorough understanding of the Bank’s Lending strategy across various segments/sectors.
Proven Credit Risk Management track supported by good underwriting skills.
In-depth understanding of credit risk assessment, loan processing, and regulatory requirements.
Relevant certifications in credit management or banking are a plus.
How to Apply
Interested and qualified candidates should apply online by visiting the official application link on Equity Bank's recruitment portal: Apply Here on Equity Bank Taleo
