SME Credit Analyst at Family Bank

REPORTING TO: HEAD OF MSME

Job Purpose:
Handling SME credit applications by conducting thorough appraisal while mitigating credit risk and ensuring compliance with the laid down bank lending policies and procedures

Key Responsibilities:
• Responsible for credit underwriting, proper loan structuring, applicant interviewing, and perceptive character judgment.
• Conduct thorough analysis of financial statements and assessment of corporates credit applications, including new clients & existing clients.
• Present analysis, findings, and recommendations to Credit Department, especially findings that involve a borrower’s ability to repay
• Develop and prepare spreadsheets and models to support analysis of new and existing corporate credit applications.
• Coordinate with Credit Department to ensure applications are processed within agreed TAT and escalate violations to the Head – MSME.
• Monitor portfolio performance, ensuring delinquencies and non-performing loans (NPLs) remain within acceptable thresholds.
• Ensuring Credit Policies, Product Profiles and set timelines are adhered to in appraising corporate
 credit facilities.
• Maintain high professional standards and strive to provide quality services and competitive pricing to clients.
• Ensure full compliance with KYC, AML, and regulatory requirements, maintaining up-to-date client records.
• Adhere to the bank’s policies, standard operating procedures, and central bank regulations
• Ensure high audit rating is attained.
• Work in close co-operation with the Credit teams to ensure all necessary documentation is completed and all the procedures have been adhered to prior to drawn down.
• Ensure high audit rating is attained.
• Any other official duty that may be allocated from time to time.

Qualifications & Experience
• Hold a bachelor’s degree in business, Accounts, Finance or related field.
• Professional Credit or Accounting qualifications a plus.
• Have a minimum Banking experience of at least five (5) years
• Strong Knowledge in Credit and Risk Analysis, risk assessment and structured financing.
• Proven ability to build and manage high-value corporate customers

Personal Attributes & Competencies Required
• Personality: A go-getter, enthusiastic, results oriented with excellent communication and social skills. A forward planner with clear focus, mature, reliable, hardworking and able to work without supervision.
• Strong business acumen with a deep understanding of corporate banking solutions.
• Strong negotiation and deal-closing abilities.
• Ability to work in a fast-paced environment and deliver results under pressure.
• Excellent communication and interpersonal skills to engage with corporate clients
• Sound knowledge of the Bank’s policies and procedures
• Management ability: Responsibility and ability to underwrite corporate credit applications end to end with recommendations.
• Ability to interpret Financials and make sound decisions out of it.
• Honest and with high integrity
• Keen to details

ALL applicants MUST apply online to the email; recruitment@familybank.co.ke; closing date is 7th
February 2026. Canvassing will automatically disqualify the candidate. Only shortlisted candidates will be contacted.
“We are an equal opportunity employer”