Credit Evaluation Manager at HF Group

Principle Accountabilities


Review and approve credit applications within delegated limits, and recommend for approval facilities that fall outside DA.
Analyze borrower profiles using both traditional and alternative data
Assess collateral value, product type, and loan structure suitability
Ensure compliance with internal credit policies and regulatory guidelines
Monitor key credit performance indicators: approval rate, PAR, NPL, LGD
Identify early warning signals of risk concentration or policy gaps
Recommend and implement mitigation strategies
Contribute to credit policy, underwriting guidelines, and scorecard reviews
Ensure rigorous documentation, due diligence, and KYC compliance
Collaborate with product and tech teams to embed credit rules into systems
Partner with business, collections, legal, and product teams for lifecycle management
Train credit officers, relationship managers, and branch staff on credit standards
Prepare credit reports for Director Credit and Lending Committee
Use tools like Excel, Power BI, and credit analytics platforms for insights
Ensure timely insurance renewals for financed assets
Oversee remedial actions for struggling accounts
Participate in Early Alert, Vehicle Auction, and other relevant committees


Key Competencies and Skills


Corporate Competence: Working knowledge of the Bank's products, the Bank's Credit policy and CBK Prudential Guidelines.
Financial analysis Skills: Ability to analyse and interpret bank and financial statements, and other formal/informal payments modes, and advice accordingly.
Analytical business and investment appraisal Skills: Keen to detail and able to conceptualize financial investment proposals and provide viable solutions.
Technology Skills: Computer literate with proficiency in computerized financial analysis applications.
Industry knowledge: Candid knowledge of the various sectors of the economy and the investment opportunities.
Goal driven and results oriented
Personal Ethics: Must be honest, fair and just with self and others, and demonstrates integrity in work and business contacts.
Communication Skills: Excellent written and verbal communication skills and presentation skills.
Interpersonal Skills: Must be a people's person, with ability to interact with key contacts in finance sector.
Proactive Initiator: Must be pro-active, a self-starter and have the ability to see, grasp and advice on opportunities.
Attention to detail.


Minimum Qualifications, Knowledge and Experience


University Degree preferably in Business related field such as Economics, Finance & Accounting from recognized institution by Commission for University Education. Masters' degree will be an added advantage.
Professional Qualifications: Credit Management, Accounting (CPA K) or Banking Qualification (AKIB)
Minimum of 8 years' experience in banking, 3 of which must be in a Banking lending function at management level.
Good track record of credit analysis and understanding of financial policies, procedures, and external regulations. Has demonstrated over the span of the career credit and financial analysis skills required to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
Demonstrated expertise and in-depth knowledge of the local banking industry, banking services, credit process and banking products.
Evidenced knowledge and understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirement, and applicable laws.
Sound working knowledge and understanding of general commercial regulations and practices.