Credit Analyst, Commercial Banking

SBM Bank (Kenya) Limited is a banking and financial services institution founded in 1973. It operates in the banking and financial services industry, providing a range of services to its clients.

The Credit Analyst for Commercial Banking at SBM Bank (Kenya) Limited is responsible for evaluating credit proposals and managing credit risks within the commercial banking sector. This includes analyzing loan applications to ensure compliance with product parameters, credit policies, and underwriting standards. The role also involves executing credit underwriting in line with the bank's growth strategy, conducting timely reviews of applications, and monitoring loan portfolio migration. The analyst will perform World Check screenings for adverse mentions, escalate findings to the Compliance Department, and conduct transaction monitoring to assess customer account conduct and risk profiles. A key aspect is managing credit risk exposures within established risk appetite to protect the bank from financial loss. Additionally, the role participates in reviewing and assessing commercial banking products and portfolios, recommending updates, and contributing to product digitalization and system enhancement initiatives, including reviewing product manuals and processes.

1. Analyze loan applications and documents for commercial banking facilities, ensuring compliance with product parameters, credit policies, and underwriting standards.
2. Execute credit underwriting in line with the bank's credit and overall growth strategy, conducting timely reviews of commercial banking applications within stipulated turnaround times while maintaining target loan portfolio migration and early vintage rates.
3. Conduct World Check screenings for adverse mentions and escalate findings to the Compliance Department.
4. Ensure transaction monitoring is performed to analyze customers’ account conduct and risk profiles.
5. Manage credit risk exposures for Commercial Banking within established risk appetite and standards to protect the bank from financial loss due to borrower default.
6. Evaluate and understand risks associated with individual transactions, products, securities, and borrowers.
7. Participate in the review and assessment of Commercial Banking Products and Portfolio.
8. Review and recommend key changes and updates to the Commercial Banking Products Offering.
9. Participate in product digitalization and system enhancement initiatives for the Commercial Banking Product Offering.
10. Participate in the review of the Commercial Banking Product Manual and processes.

1. At least 4 years of experience as a loan appraisal officer or in a related position.
2. Excellent understanding of credit risks, financial analysis, and credit analysis techniques.
3. Good presentation and analytical skills.
4. Good communication and planning skills.
5. Ability to work with various stakeholders across the bank and manage key relationships effectively.
6. Bachelor's Degree qualification.