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Credit Analyst Job Opening

Job Description

The Job holder will support the Credit Manager:

  1. In planning, coordinating, and controlling all lending activities to minimize credit risks.
  2. Preparing independent analysis of credit reviews and submitting a summary of analysis for credit review.


  • Analyzing credit propositions and making timely recommendations for approval.
  • Reviewing credit applications for compliance with the approval conditions
  • Weekly analysis of loan-book performance and risk loan-book migration analysis
  • Conducting Quality checks to ensure branches follow the Sacco’s credit policy, best practice in appraisal, approval, and management of facilities.
  • Generating accurate management report on business performance to facilitate decision making.
  • Review the Sacco’s lending model policies and recommend changes in line with business dynamics.
  • Check completeness of documents submitted for credit analysis.
  • Provide coaching /guidance/training on aspects of credit including policy and procedures, as may be required by branch staff and other staff involved the credit granting process.
  • Immediately inform the concerned parties of any document missing (according to the credit checklist).
  • Regularly analyze the risk profile of the Sacco’s loan portfolio by product, and by segment.
  • Review and ensure compliance of facilities approved conditions.
  • Always ensure compliance with set SLAs
  • Proactive monitoring of the credit portfolio to ensure early detection of problem credits.
  • Provide and analyze financial information for use in the preparation of credit reports.
  • Assist in the financial evaluation of new business/projects and provide a guide on market risk.
  • Preparing credit reports for new proposals and renewals and provide guidance on structuring of credits, due diligence, and KYC.
  • Maintaining financial information on borrowing accounts including covenant monitoring.
  • Undertake annual review of security documentation for all Sacco accounts.
  • Ensuring there is no income leakage by counter checking that interest rates are correctly applied; insurance and all the necessary fees are applied on all credit facilities.
  • Undertaking client visit with Branch Managers as required during credit analysis.
  • This is not a complete statement of all duties and responsibilities of this post, you may be required to carry out other duties as directed by the Supervisor.


  • Bachelor’s degree in finance, accounting, banking, or any other business-related field.
  • Professional Qualification in Credit e.g., C.C.P is an added advantage.
  • Professional qualifications in CPA will be an added advantage.
  • 4 years progressive working experience in credit analysis in a Bank or Financial Institution.
  • Knowledge of debt recovery and realization process.
  • Strong analytical skills.
  • Excellent negotiation skills.
  • Effective communicator – both verbally and in writing.
  • Strong interpersonal skills.
  • Focused and self-driven
  • Attentive to detail.

Are You Interested?

Please send your CV and cover letter detailing your experience and qualifications for the job and address it to humanresource@k-unity.co.ke . Indicate your current and expected remuneration.

All applications should be made on or before Saturday 6th April 2024.

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