Credit Evaluation Manager, Asset Finance

The role holder will evaluate and approve Asset Finance credit applications within delegated authority, ensuring prudent credit decisions, effective portfolio risk management, and compliance with the Bank's credit policies and regulatory requirements. The role supports sustainable growth of the Asset Finance portfolio by balancing business objectives with sound risk management while providing timely credit decisions and partnering with business teams to deliver quality lending.

Processes

• Credit Assessment & Approval
• 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 Portfolio Risk Management
• 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

Strategy 

• 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 Stakeholder Collaboration
• Partner with business, collections, legal, and product teams for lifecycle management
• Train credit officers, relationship managers, and branch staff on credit standards
• Visit business borrowers’ business premises, as and when called upon to, in a bid to establish authenticity of the information that has been submitted for review Analytics & Reporting
• Prepare credit reports for Director Credit and Lending Committee
• Use tools like Excel, Power BI, and credit analytics platforms for insights Other Duties
• Ensure timely insurance renewals for financed assets
• Oversee remedial actions for struggling accounts
• Participate in Early Alert, Vehicle Auction, and other relevant committees

Financial

• Supporting the RO/RM’s to achieve set income targets (Interest income and Non-interest income)
• Ensure the correct charges are applied
• Ensure all excesses are fully provided
• Manage office costs within reasonable levels
• Cross sell bank products
• Push on products that deliver quick income

People Management

• Provide the interface between business and credit.
• Give quality feedback to the business teams on the quality of applications and the areas of improvement.
• Support the business teams in serving their customers in a timely manner customer by giving prompt feedback
• Give business reports on loans processed and declined to help in decision-making.
• Supporting branches in packaging credit proposals to ensure clarity for faster approval and adoption.

• University Degree in a business-related field i.e. Economics, Commerce, Business Administration.
• Professional Qualifications: Credit Management, Accounting (CPA K) or Banking Qualification (AKIB)
• Minimum of 4 years’ experience in banking and financial analysis 2 of which must be credit department or credit related area.

• Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
• Financial analysis Skills: Ability to analyze and/or interpret financial statements, 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 enjoys being measured, and judged by financial and other performance targets
• 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.