Head of Credit - Wholesale Banking

Job Responsibilities

Evaluate and approve wholesale credit proposals (new facilities, renewals, amendments and cancellations) in line with internal policies, market dynamics and financial analysis, escalating those beyond delegated authority.

Analyse and verify credit documentation, including financial statements and bank records, liaising with Wholesale Senior Relationship Managers and Relationship Managers for clarifications or additional information.

Conduct client visits, independently or with Relationship Managers, to gain deeper insight into the client’s business, operations and market environment.

Review credit decisions made by delegated authority holders within the unit to ensure consistency and adherence to policy.

Respond to audit requirements and ensure timely resolution of audit findings relating to the wholesale credit function.

Monitor the corporate credit portfolio, tracking renewals, limit expiries, early vintage performance indicators, migration and portfolio at risk (PAR).

Ensure compliance with turnaround times (TATs) and service level agreements for credit processing and approvals.

Support the development and continuous improvement of credit policies, manuals and risk frameworks.

Contribute to the creation and refinement of product standards and guidelines for wholesale lending programmes.

Prepare and deliver periodic reports on the wholesale credit portfolio, covering performance trends, risk indicators, limit utilisation and compliance metrics.

Ensure timely submission of reports to senior management, regulators and internal stakeholders, supporting strategic decision-making and portfolio oversight.

Lead and mentor the wholesale credit team, ensuring high performance, accountability and a culture of proactive risk management and compliance.

Other Requirements

Qualifications

Bachelor’s degree in Finance, Accounting, Business or a related field from a recognised institution.

Certified Credit Professional (CCP) or Diploma in Credit Management.

Professional certification in AKIB/CIB, CPA (K) or ACCA.

A Master’s degree in a business-related field from a recognised university is an added advantage.

Experience

Minimum of seven (7) years’ experience in credit risk, corporate banking or wholesale lending, of which at least three (3) years must be in a supervisory or team leadership role.

Experience with complex credit structures, syndicated loans or sector-specific lending is an added advantage.

Technical Knowledge & Skills

Knowledge and understanding of banking operations (international and domestic).

Credit risk principles and regulatory frameworks.

Wholesale credit analysis.

Portfolio oversight.

Strong analytical and financial modelling skills.

Good policy development and management capabilities.

Financial acumen.

Financial regulations (domestic and international).

Risk management and financial standards (domestic and international).

Project management.

Leadership & Behavioural Competencies

Strategic focus, orientation, creativity and innovation.

Coaching, leadership and influencing skills.

Team building and conflict management.

Initiative, proactiveness and ownership.

Organisation and coordination.

General managerial and administrative ability.

Emotional intelligence.

Decisiveness.

Relationship management.

Integrity and discretion.

Resilience and tenacity.

Analytical and problem-solving skills.

Interpersonal skills.

Communication skills (oral and written).

go to method of application »

Minimum qualifications

BA/BSc/HND , MBA/MSc/MA , Professional Certificate

How to apply

Interested and qualified? Go to Rose Avenue Group on www.racg.co.ke to apply

Similar open roles

• Manager, Financing Administration DepartmentPremier Bank · Nairobi
• Climate Change Adaptation Banking CoordinatorEquity Bank Kenya · Nairobi
• Branch ManagersRose Avenue Group · Nairobi
• Principal Investor Relations AnalystSafaricom Kenya · Nairobi
• Investment Manager - AAMLAbsa Bank Limited · Nairobi
• Head, Remedial & RecoveriesRose Avenue Group · Nairobi