Job Description

Our client, a leading commercial bank in Kenya, is seeking to hire a Branch Manager. This position is responsible for providing leadership in the overall management of the branch, driving sustainable growth in deposits, lending and customer numbers, formulating and implementing business plans and strategies to deliver on targets, ensuring excellent customer service, operational efficiency and sound risk management, and ensuring full compliance with banking regulations and internal policies.

Job Responsibilities

Business Growth and Performance

• Prepare and execute the branch plan, budget and targets, aligned to the institution’s strategy.
• Expand the customer base, deposit book, loan portfolio and fee income through active selling and relationship management.
• Tap opportunities in the retail, SME and agent banking segments within the branch’s catchment area.
• Track profitability, control expenses and report results against targets.
• Encourage customers to adopt mobile, online and agent channels.

Branch Operations

• Run daily branch activities, including opening and closing routines, cash handling and vault controls.
• Ensure transactions are accurate and completed within service timelines.
• Protect staff, customers, cash and premises, and maintain workable business continuity plans.
• Make sure ATMs, systems and equipment are working, and follow up quickly on outages.
• Keep the branch clean, professional and welcoming, in line with brand standards.

Credit Management

• Source, assess and recommend lending proposals within approved limits and credit policy.
• Monitor portfolio quality, confirm complete documentation and security registration, and chase overdue accounts.
• Assist in recoveries and keep non-performing loans at acceptable levels.

Risk, Compliance and Control

• Comply with banking legislation, regulatory guidelines and internal policies.
• Apply KYC, anti-money laundering and counter-terrorism financing requirements, and report suspicious transactions through the correct channels.
• Maintain robust controls to prevent fraud, errors and losses.
• Resolve audit, risk and compliance issues promptly and satisfactorily.
• Protect customer information in line with data protection law and information security policy.

Customer Service

• Promote a customer-first culture and consistent service standards.
• Handle escalated complaints fairly and on time.
• Cultivate relationships with key clients, businesses, institutions and other stakeholders.
• Drive customer retention and cross-selling.

People Leadership

• Coach and motivate the team, set clear performance goals, and carry out regular appraisals and feedback.
• Identify training needs, plan for succession and strengthen team capability.
• Build an ethical, inclusive workplace and manage discipline in line with HR policy and employment law.
• Maintain adequate staffing and cover so service continues uninterrupted.

Community and Stakeholder Engagement

• Represent the institution before the community, local government, authorities and business groups.
• Take part in corporate social responsibility and brand-building activities.
• Maintain good working relations with security agencies and local partners to support branch safety.

Other Requirements

Education

• A bachelor’s degree in a business-related discipline (e.g. banking and finance, business administration, commerce, economics, accounting) from a recognised university.
• A master’s degree (e.g. MBA) and/or professional credentials (e.g. CPA, ACCA, CFA, Chartered Banker) is an added advantage.

Experience

• At least 5 years in banking or a similar financial institution, including a minimum of 2 years in a supervisory or branch management position.
• Hands-on experience in credit, sales and relationship management.
• A proven record of achieving targets and leading teams.

Skills and Abilities

• Strong grasp of banking operations, products, credit and risk management
• Credit appraisal and financial analysis
• Sales, marketing and business development
• Knowledge of the regulatory environment, including AML/CFT
• Leadership, coaching and people management
• Communication, negotiation and presentation
• Problem-solving and sound decision-making
• Competence in banking systems and Microsoft Office
• Ability to engage diverse customers and communities

Core Competencies

Integrity, accountability for results, customer focus, team leadership, planning and organisation, resilience and adaptability, and relationship building and influence.

Working Conditions

• Branch-based, with occasional travel for meetings, training and business development.
• Standard banking hours, with extra hours when business needs require.

Job Description

Our client, a leading commercial bank in Kenya, is seeking to hire a Team Member, Wholesale Credit. Reporting to the Team Lead, Wholesale Credit, this position is responsible for evaluating credit risk and assessing the creditworthiness of corporate clients through financial and business analysis; recommending or approving credit limits and terms within delegated authority; designing and implementing credit policies, exposure limits and scoring systems; and tracking and controlling the wholesale credit portfolio by identifying early warning signs, ensuring compliance with approval conditions, sanctioned limits and Bank policies, and recommending deteriorating accounts for inclusion in the Early Alert Accounts List.

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).

Job Description

Our client, a leading commercial bank in Kenya, is seeking to hire a Head of Credit - Wholesale Banking. Reporting to the Director Credit, this position is responsible for ensuring high-quality credit approvals for wholesale loans by analysing credit applications in line with the Bank’s lending policies, CBK Prudential Guidelines and industry best practices. The role will lead the wholesale credit team to evaluate, structure and monitor credit facilities, ensuring sound credit decisions, strong portfolio quality and regulatory compliance.

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).

Job Description

Our client, a leading commercial bank in Kenya, is seeking to hire Head-Remedial & Recoveries. Reporting to the Director Credit, this position is responsible providing leadership in the overall management of the Bank’s Non-Performing loan book, formulate/identify, review and implement policies, strategies/action plans to recover/restructure or restore to performance non-performing loans and provide advice to avoid recurrence.

Job Responsibilities

• Responsible for the review and maintenance of the Credit Remedial and Recoveries Policies, Procedures, guidelines, charters.
• Monitor and control pre 90 days Credit Portfolio throughout the Bank to ensure that asset quality is maintained and improved (PAR & Migration) to within acceptable standards.
• Overall management of non-performing debts to prevent deterioration and improve the bank’s lending asset quality.
• Control specific provisions within budget and ensure adequate levels of provisioning on all accounts in accordance with the laid down credit policies.
• Managing recovery costs within budgets.
• Compliance with the bank’s Credit/NPL Policies and CBK Prudential Guidelines on loan classification and provisioning.
• Timely submission of NPL returns to the Board and CBK.
• Formulation of exposure/recovery strategies, action plans and supervising implementation for expedited closure.
• Reduce non-performing credit through aggressive recoveries and viable restructuring thus contributing to the Bank bottom line through provisions write backs.
• Stakeholder management and participation in partnership engagement meetings/forums.
• Responsible for high staff productivity and optimum staffing with the department.
• Responsible for ensuring staff awareness is carried out on Remedial and Recoveries initiatives in order to align and yield maximum value.
• Oversight and support to subsidiaries in the management of the non-performing debts.

Other Requirements

• Bachelor’s degree in in a Business-related field from a recognized University.
• Certification in Credit Management.
• Professional certification in AKIB/CIB, CPA (K), ACCA.
• Master’s degree in a Business-related field from a recognized University is an added advantage.
• Minimum of ten (10) years in the Banking Sector with 8 years in a Credit environment of which five (5) years must be at senior management level in a Collections, Remedial & Recoveries.
• Proven Credit collections, remedial & recoveries skills.
• Proven planning, organization and execution skills
• Knowledge in SQL and data manipulation to be able to prepare dashboards and required reports to the management.
• Excellent interpersonal, communication and negotiation skills.
• Excellent writing and presentation skills
• Critical thinking and problem-solving skills
• Excellent decision-making and leadership skills
• Strong knowledge of business entity legal structures and risk rating
• Customer and Stake holder management skills
• Analytical and report writing skills
• Excellent understanding of financial statements and ratios, credit reports, personal financial statements
• Ability to work under pressure and within strict deadlines
• Entrepreneurial/Commercial mind-set
• Change management and conflict resolution skills
• Knowledge of bank lending policy and CBK prudential guidelines
• Active listening.