Team Member - Wholesale Credit

Job Responsibilities

Evaluate credit risk by conducting thorough financial and business analysis to assess corporate clients’ creditworthiness using models, benchmarks, and sectoral insights.

Recommend or approve credit limits and terms within delegated authority while ensuring alignment with the organization’s risk appetite and policy frameworks.

Design and implement credit policies, exposure limits, and scoring systems to manage risk effectively.

Track and control the wholesale credit portfolio by identifying early warning signs and ensuring compliance with approval conditions.

Enhance internal processes and turnaround times to meet service level agreements and improve operational controls.

Monitor and control the wholesale credit portfolio by daily reviewing and monitoring the corporate loan portfolio to ensure compliance with post-approval conditions, sanctioned limits and Bank policies, and recommend inclusion of deteriorating accounts in the Early Alert Accounts List.

Collaborate with internal teams such as business units, legal, finance, and compliance, and participate in credit committees to align decisions with business goals.

Promote best practices across business units and foster collaboration to strengthen the Bank’s risk profile.

Pursue personal development and proactively seek greater responsibilities to enhance professional growth.

Prepare and present credit reports, risk dashboards, and portfolio reviews to senior management.

Maintain audit-ready documentation and support internal and external audits.

Other Requirements

Education and Professional Qualifications

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

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

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

Master’s degree in a Business-related field from a recognized university is an added advantage.

Experience

Minimum of 7 years’ work experience in banking, of which five (5) years must be in Corporate Credit and relationship management at a management level.

Knowledge and Technical 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.

Strategic orientation, creativity and innovation.

Financial acumen.

Finance and accounting.

Banking industry knowledge.

Financial industry knowledge.

Knowledge and understanding of financial regulations (domestic and international).

Knowledge and understanding of risk management and financial standards (domestic and international).

Behavioural Competencies

Initiative and taking ownership.

Team building and conflict management.

Organization and coordination.

Emotional intelligence.

Decisiveness.

Managing relationships.

Project management.

Integrity and discretion.

Proactiveness.

Analytical skills and problem solving.

Resilience, tenacity and integrity.

Interpersonal skills.

Communication (oral and written).

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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

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