Job Purpose
To make sure that the bank's credit risk framework is sound, compliant, consistent, and aligned with the bank's risk appetite and regulatory standards. This role is at the heart of enforcing discipline, control, and quality across all aspects of the credit lifecycle - from origination to recovery.
Job Responsibilities
Providing sampling, testing, and oversight for Group portfolio trending and remediation. Ensuring alignment of credit quality assurance practices with Equity Bank Group's strategic objectives
Conduct both scheduled and ad-hoc credit quality reviews, focusing on compliance with credit policies, methodologies, and risk management systems
Coordinating the implementation of agreed action plans for credit audit and operational risk issues.
Providing support to subsidiaries in reviewing and implementation of their credit policies and processes
Facilitating training programs tailored to Equity Bank Group's credit policies and compliance standards.
Evaluate credit memos for completeness and provide preliminary assessments, highlighting strengths and weaknesses.
Review audit findings (internal, external, and regulatory) and ensure timely resolution of significant issues. Conduct follow-up reviews to verify that corrective actions on identified issues are effective.
Review credit committee mandates and perform checks against the credit charter to ensure governance and compliance.
Keeping abreast of financial industry laws, regulations, global banking trends, and best practices.
Monitor portfolio performance and trends against set thresholds to identify emerging risks and opportunities for remediation.
Track and escalate exceptions in accordance with policy requirements, maintaining logs for audit and compliance purposes.
Coordinate credit governance features in credit automation and digitization projects including Loan origination systems, collection systems.
Qualifications
Required Skills and Qualifications
Bachelors degree in Finance, Economics, Accounting, Business Administration, or a related field
Professional certifications such as CPA, ACCA, CFA, CCP. FRM, or PRM are preferred
Master's degree in a relevant field is an added advantage
Minimum 8 years in banking or financial services, with at least 5 years in credit risk management, or credit governance roles
Credit risk assessment and modeling (e.g., IFRS 9, PD/LGD/EAD)
Financial analysis and portfolio management
Knowledge of Basel II/III, CBK Prudential Guidelines
Credit risk governance, policy administration, and board-level risk reporting.
Policy development and implementation
Risk appetite and limit setting
Regulatory compliance and audit readiness
Stress testing and scenario analysis
Knowledgeable in identifying indicators of fraud through data mining and analysis exercises.