Relationship Manager - Credit (Nyanza Region) Job at Equity Bank
About Equity Bank
Equity Bank is one of the region's leading banks whose purpose is to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern and inclusive financial services that maximize their opportunities.
Bank Profile: Over 12 million customers across Kenya, Uganda, Tanzania, Rwanda, South Sudan and DRC Congo - the largest customer base in Africa.
Job Purpose
The Holder of the role shall oversee Credit Risk Underwriting duties within the branch. The Branch Credit Manager 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.
Key Responsibilities
- In charge of Credit underwriting process and chair of the Branch Credit Committee (B.C.C)
- Responsible for all credit reports such as PAR analysis, Portfolio distribution reports, monthly credit reports
- Co-ordinate perfection process from branch through head office and legal Department
- Monitor adherence to the Bank SLA with various stakeholders along the credit process
- Enforce compliance to all credit policies and procedures and other regulatory Policies at the branch
- Overseeing proper customer records and documents management in the branch
- Verification of branch system transactions relating to credit activities
- Proactively support the Relationship Manager - Business in managing portfolio quality and minimize 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: Prepare and present credit reports and analysis to senior management
- Training: Provide training and guidance to branch staff on credit policies and procedures
- Liaison person between the branch and regional office credit function
- Perform any other duties as assigned from time to time
Qualifications & Experience
- Bachelor's Degree in a finance or related field
- At least 8 years of relevant working experience in banking
- Minimum 3 years experience in a Credit admin 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
🌐 Online Application:
Apply via Equity Bank Careers Portal
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