Organization: EQUITY
Job title: Credit Analyst
Job level: Senior Officer
Reports to: MANAGER CREDIT RISK UNDERWRITING

Job description – Key responsibilities

• As part of the credit committee of the Bank, participate in the review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigants to identified risks.
• Analyze financial and non-financial data for proposed credit to determine the degree of risk involved in extending credit or lending money to segments/ businesses, full assessment of liquidity, profitability, and credit histories of customers.
• Work closely with the Credit Quality Assurance Unit to proactively identify problem accounts and make timely recommendations to senior management for remedial action.
• Support the loan remediation team, in negotiating work out plans and strategies for delinquent customers
• Responsible for full Review of All credit Applications received from Business units and recommend to HOCC/EXCO for Approval.
• Supervise, provide appropriate guidance, and mentor Credit Mangers at Branches to ensure onboarding of good and quality business and adherence to all Bank policy and procedures including compliance with KYC.
• Preparation of Monthly activity Report for Credit Underwriting Unit and present at HOCC.
• Credit Risk assessment review and evaluation on various credit application submitted from Business Unit.
• Ensure adherence to approval procedures and credit standards as outlined in the bank’s lending manual, maintaining strong internal controls and compliance.
• Assessment of Client Business for appropriate Cash flow assessment, Loan structuring and required amount proposition.
• Ensure all credit policy exceptions are appropriately escalated and authorized by the relevant senior approving authorities.
• Deliver a high level of internal customer service, emphasizing accuracy, responsiveness, and efficiency in line to agreed TAT.
• To monitor all aspects of the Bank’s Credit risk management process and ensure that they follow the approved governance.and escalate exceptions with recommendations to senior management for appropriate action.
• Provide Training and consultation to lending officers at Branch and Head office level.
• Ensure growth of a quality loan portfolio
• Undertake all such other roles and responsibilities as may be assigned by the Immediate Supervisor from time to time

Employee acknowledgement

Name of Employee:
Designation:
Signature:
Date:

Line manager acknowledgement

Name of Line manager:
Designation:
Signature:
Date:

How to Apply:

If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your job application cover letter along with a detailed resume, copies of the relevant certificates and testimonials in a single PDF file format, quoting the respective Job title or Ref no. in the subject field to by 5th August 2026.

Only short-listed candidates will be contacted.