Supervisor – Credit Monitoring

Family Bank Ltd is a financial institution in Kenya that is expanding its operations and aims to become a Tier 1 bank. It offers a wide range of lending products across retail, commercial, MSME, corporate, and digital segments.

This role involves supervising the continuous monitoring of Family Bank's credit portfolio to ensure high asset quality, proactively identify emerging risks, ensure adherence to approved credit terms, maintain regulatory compliance, and facilitate timely remedial actions. The incumbent will support sustainable portfolio growth across various lending segments including Retail, Commercial, MSME, Corporate, and Digital by driving proactive portfolio surveillance, ensuring covenant compliance, controlling delinquency, and performing portfolio analytics. This position is crucial for safeguarding the Bank’s balance sheet as it progresses towards Tier 1 status as part of its 5-year strategic transformation.

1. Supervise the daily, weekly, and monthly monitoring of both performing and non-performing loan portfolios.
2. Track repayment behaviors, arrears trends, excesses, and breaches of limits and covenants, along with other early warning signals.
3. Ensure timely review of watch-list accounts and escalate deteriorating exposures as needed.
4. Monitor concentration risks across various sectors, products, geographies, and obligors.
5. Verify adherence to approved credit terms and covenants following loan disbursement.
6. Identify accounts exhibiting financial stress and recommend appropriate remedial actions.
7. Coordinate the preparation and maintenance of registers for Watchlist and High-Risk Accounts.
8. Initiate account reviews when a borrower's risk profile undergoes significant changes.
9. Promptly escalate high-risk exposures to relevant Credit Management Committees.
10. Support efforts to reduce PAR (Portfolio at Risk), NPL (Non-Performing Loan) ratios, roll-rates, and delinquency migration.
11. Track the curing performance of delinquent accounts.
12. Monitor accounts undergoing restructuring, rescheduling, and remedial management.
13. Collaborate with Recoveries and Business teams to develop action plans for stressed facilities.
14. Conduct stress tests on the overall credit portfolio.
15. Analyze trends across different segments: Retail, SME, Commercial, Corporate, and Digital.
16. Generate insights into emerging sector risks and propose mitigating strategies.
17. Ensure compliance with CBK prudential guidelines, IFRS 9 triggers, internal credit policy, and established risk appetite limits.
18. Assist in internal and external audit reviews and ensure the closure of any audit findings.
19. Supervise Credit Monitoring Officers, including work allocation, staff mentorship, and ensuring adherence to Service Level Agreements (SLAs).
20. Drive continuous improvement and automation of credit monitoring processes.
21. Foster a strong risk culture and accountability within the unit.
22. Perform any other official duties as assigned by management.

1. Hold a Bachelor’s degree in Finance, Accounting, Economics, Statistics, Banking, Business Administration, or a related field.
2. Possess professional certifications such as CPA(K), ACCA, CFA, or a Credit Risk Certification, or an equivalent qualification.
3. Training in IFRS 9, Credit Risk Management, Data Analytics, or Banking Operations is considered an advantage.
4. Have a minimum of 4–6 years of banking experience in Credit Risk, Credit Administration, Portfolio Monitoring, Remedial Management, or Corporate/SME Credit.
5. Demonstrate proven experience in monitoring diverse loan portfolios across Retail, MSME, Commercial, and corporate segments.
6. Be experienced in using core banking systems and portfolio analytics tools.
7. Exposure to a transforming or growth-oriented bank environment is desirable.
8. Possess strong knowledge of credit risk analysis and portfolio management.
9. Have knowledge of Retail, MSME, Commercial, and Corporate lending products.
10. Exhibit skills in asset quality management and remedial credit.
11. Be aware of IFRS 9 staging and impairment principles.
12. Understand CBK prudential guidelines and regulatory compliance.
13. Be proficient in financial statement analysis.
14. Have knowledge of covenant monitoring and security perfection controls.
15. Be capable of portfolio analytics and trend interpretation.
16. Be proficient in core banking and loan management systems.
17. Advanced proficiency in Excel, Power BI, SQL, or other analytics tools is preferred.