• Bachelor’s degree in finance, Accounting, Commerce or a business-related field from a recognized

University.

• Professional qualifications in Credit Management.

• Professional certification in AKIB/CIB, CPA(K), ACCA is an added advantage.

• Master’s degree in a Business-related field from a recognized University is an added advantage.

• 5 years’ experience in Banking, 3 of which must have been in Credit function at management level.

• Excellent analytical skills

• Good interpersonal and communication skills

• Good understanding of credit processes, policies and procedures.

• Strong knowledge of business entity legal structures and risk rating.

• Good understanding of financial statements and ratios, credit reports, personal financial statements.

• Excellent Report writing and presentation skills.

• Knowledge of National Bank lending policy and CBK Prudential Guidelines.

• Ability to make operational and routine decisions in a timely and effective manner and to be

accountable for decision making within departmental and role allocation –

• Ability to mentor and coach staff to goal definition and achievement.

• Performance Management and team building

• Maintains a professional approach based on ethics and NBK values.

• Maintains high level of integrity by ensuring ethical practices are adhered to and ensures NBK is not

put at reputational risk.

• Able to withstand strategic and operational challenges and maintain momentum.

operational risk, and compliance programs in consultation with HR Learning and development

department and Risk Division.

• Co-ordinate the implementation of agreed action plans, tracking and timely closure of identified credit

audit and operational risk issues.

• Keep abreast of financial industry laws and regulations, emerging global banking trends and best

practices relating to credit and provide regulatory expertise.

maintains a sound loan portfolio with respect to compliance with state laws and regulations, Bank

lending policies and procedures, risk appetite and best practices.

• Ensure adherence to risk management framework in identifying, controlling, monitoring and reporting

of all risks. Work with respective unit heads to drive the development and execution of the Business

Continuity Plans (BCP) and operational risk and implement effective control measures and monitoring

plans for compliance and operational risk management.

• Provide via sampling and testing and oversight, both a point in time and forward view of individual

portfolio trending and remediation’s to either preserve or enhance asset quality, risk management and

risk appetite.

• Develop a working relationship with business unit team leaders to highlight the key credit issues facing

the area or product under review and helping to provide executive solutions to improve asset quality,

risk management and problem debt identification.

• Review and implement the Environmental and Social Management System (ESMS) policy and

procedures by integrating them in the bank’s internal credit process and ensuring that Environmental

and Social Due Diligence is undertaken for investment projects as per agreed performance standards