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

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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

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How to Apply

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”

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