Credit Analyst

• September 9, 2026
• Nairobi
• ,
• Kenya
• Expiration date
• November 8, 2026
• 3 Years
• Gender
• Both
• Qualification
• Bachelor Degree
• Job Description

Job Purpose

• To evaluate creditworthiness of a borrower and ensure the proposed credit risk is beneficial to the client and as the same time is profitable to the Bank, risks are well mitigated & is within the relevant policies and regulations.
• To add value to the credit proposals under consideration by providing advice and techniques to mitigate risks for credits that are considered bankable. creditworthiness

Responsibilities

• and Accountabilities:
• Appraisal of credit files.
• Reviewing the proposal in the dedicated workflow for correctness and completeness of data capture.
• Confirming borrower’s credit worthiness as presented by Business through review of past credit history.
• Confirming the borrower has capacity, through using the scoring model to determine the Debt Service Ratio.
• Confirming suitability of collateral offered.
• Reviewing the borrower’s contribution to assess their commitment to the proposed facility.
• Identification of credit risks and proposing mitigation measures.
• Validation of credit scoring models.
• Reviewing if proposed facility pricing in credit is in line with the set credit scoring models and aligning the same.
• Progressing the file with a recommended decision for further appraisal and approval or returning to relationship manager highlighting critical missing information and documents.
• Review temporary accommodations.
• Confirming that excess templates are attached & supporting documents provided to support the request.
• Check that the request is justified and are properly priced through fees/ commissions.
• Certify that the proposal has verifiable source of repayment.
• Communicating decision for further review or returning to relationship manager highlighting critical missing information and documents.
• Processing variations for approved loans.
• Reviewing to ensure all documents & information required to justify the variations are availed.
• Reviewing the proposed variation to ensure the request is justified and does not alter materially the proposal as was approved.
• Progressing the decision for further review by approver or returning to relationship manager highlighting critical missing information and documents.
• Organizing Credit Approval Committee meetings for decision making on credit proposals presented.
• Communicating an invite to all stakeholders involved.
• Presenting previous minutes for review.
• Following up on various action points as per CAC meeting deliberations.
• Taking minutes of the meeting.
• Presenting summaries of Credit Analysis unit’s decisions for further deliberations.
• Coordinating Senior Credit Committee queries on files approved by local committees by following up and coordinating the responses.
• Conducting periodic follow up on credit files pending approval at Head Office.
• Coordinating responses on queries raised by Snr. Credit Approval Committee analysts.
• Justifying and defending local credit committee decision.
• Review of various documents to ensure approval covenants are comprehensively documented.
• Reviewing draft letters of offer for facilities sanctioned by Snr. Credit Approval Committee.
• Reviewing valuation reports for ap-proved collaterals to confirm suitability and sufficiency of collateral values.
• Conducting customer call visits from time to time in the company of Business Team.
• Reviewing independently the customer’s business to assess capacity and financing need.
• Reviewing status of borrower’s compliance with matters that may lead to Environment & Social Risks.
• Reviewing independently progresses of borrower’s project financed by the Bank.
• Minimum

Requirements

• – academic and professional qualifications:
• University Degree preferably in Business related field such as Economics, Finance & Accounting from recognized institution by Commission for University Education.
• Professional qualification in CPA or ACCA.
• Good understanding of financial policies, procedures, and external regulations.
• Good understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirement, and applicable laws.