Equity Bank Limited (The "Bank”) is incorporated, registered under the Kenyan Companies Act Cap 486 and domiciled in Kenya. The address of the Bank’s registered office is 9th Floor, Equity Centre, P.O. Box 75104 - 00200 Nairobi. The Bank is licensed under the Kenya Banking Act (Chapter 488), and continues to offer retail banking, microfinance and related services. The Bank has subsidiaries in Kenya, Uganda, South Sudan, Rwanda and Tanzania. Its shares are listed on the Nairobi Securities Exchange and Uganda Securities Exchange. Equity Bank was founded as Equity Building Society (EBS) in October 1984 and was originally a provider of mortgage financing for the majority of customers who fell into the low income population. The society’s logo, a modest house with a brown roof, resonates with its target market and their determination to make small but steady gains toward a better life, seeking security and advancement of their dreams. The vast majority of Africans have historically been excluded from access to financial resources. Having been declared technically insolvent in 1993, Equity’s transformation into a rapidly growing microfinance and then a commercial bank is widely considered to be an inspirational success story. Currently, Equity Bank has more than 9 million customers making it the largest bank in terms of customer base in Africa and having nearly half of bank accounts in Kenya. The company’s vision is "to be the champion of the socio-economic prosperity of the people of Africa”. Equity Bank retains a passionate commitment to empowering its clients to transform their lives and livelihoods. Through a business model that is anchored in access, convenience and flexibility, the Bank has evolved to become an all-inclusive financial services provider with a growing pan-African footprint. Equity Bank’s business model and its visionary leadership has continued to earn local, regional and global accolades and recognition. The model is also studied in some of the leading business schools in the world, as other developing countries in Africa and Asia seek to learn from Equity’s low margin, high-volume model. Equity Bank in 2010 established the Equity Group Foundation. This innovation and creative vehicle has fully transformed the concept of philanthropy and corporate social responsibility. While Equity Group Foundation champions the socio-economic transformation of the people of Africa and seeks partnerships along six cluster thematic areas, Equity Bank provides the infrastructure of delivery, hence reducing the operational costs for the Foundation and increasing the rate of return on any social investment. The six social thematic areas of focus are: education and leadership development; financial literacy and access; entrepreneurship; agriculture; health; innovations and environment. Make an enquiry todayJob Purpose: The Holder of the role shall oversee Credit Risk Underwriting duties within the branch. The Branch Credit Manager is responsible for overseeing the credit operations within the branch, ensuring the effective management of credit risk, and maintaining the quality of the loan portfolio. This role involves evaluating loan applications, making credit decisions, and ensuring compliance with the bank's credit policies and procedures. Key Responsibilities  In charge of Credit underwriting process and chair of the Branch Credit Committee (B.C.C). Responsible for all credit reports such as PAR analysis, Portfolio distribution. reports, monthly credit reports, and any other information required by the Branch Manager. Co-ordinate perfection process from branch through head office and legal Department. Monitor adherence to the Bank SLA with various stakeholders along the credit process. Enforce compliance to all credit policies and procedures and other regulatory Policies at the branch. Overseeing proper customer records and documents management in the branch. Verification of branch system transactions relating to credit activities. Proactively support the Relationship Manager - Business in managing portfolio quality and minimize delinquency. Credit Evaluation: Assess and evaluate loan applications to determine creditworthiness and risk. Decision Making: Approve or recommend credit decisions within delegated authority limits. Customer Service: Provide excellent customer service by addressing client inquiries and resolving credit-related issues. Reporting: Prepare and present credit reports and analysis to senior management. Training: Provide training and guidance to branch staff on credit policies and procedures. Liaison person between the branch and regional office credit function. Perform any other duties as assigned from time to time. Qualifications, Experience & Competencies Bachelors’ Degree in a finance or related field. At least 8 years of relevant working experience, with 3 of these having been in a Credit admin role. Thorough understanding of the Bank’s Lending strategy across various segments/sectors. Proven Credit Risk Management track supported by good underwriting skills. In-depth understanding of credit risk assessment, loan processing, and regulatory requirements. Relevant certifications in credit management or banking are a plus.