Africa Management Solutions Limited (AMSOL) is the fastest growing Human Resources and Management consulting firm that offers an array of hr solutions tailored to accurately address all the human resource and management needs of any organization.Position Overview Our client, a reputable and regulated financial services institution, is seeking to recruit a highly analytical and results-driven Assistant Manager – Credit Risk Analysis to support credit appraisal, portfolio quality management, and credit risk mitigation initiatives across the organization. Key Responsibilities Review and oversee loan appraisal processes to ensure all credit requests comply with internal policies, procedures, and lending guidelines. Analyze credit proposals and provide recommendations based on financial analysis, risk assessment, and lending criteria. Ensure lending proposals are thoroughly analyzed using approved credit appraisal methodologies and risk assessment tools. Support achievement of portfolio growth and profitability targets while maintaining acceptable portfolio quality standards. Monitor portfolio at risk (PAR), loan default trends, and recovery performance to support proactive risk mitigation. Participate in Head Office Credit Committee meetings and prepare supporting credit analysis reports and board papers. Support review and enhancement of credit policies, lending procedures, and credit risk frameworks. Coordinate with branches, Credit Administration, Internal Audit, Risk, and Compliance teams to ensure adherence to credit policies. Monitor unusual or suspicious transactions and ensure compliance with AML, KYC, and CFT requirements. Utilize CRB reports, scoring tools, and risk matrices in loan appraisal and pricing decisions. Ensure policy exceptions and credit approvals are processed within approved authority limits. Support closure of audit findings and implementation of corrective actions within the credit function. Conduct quality assurance reviews on loan appraisal processes and system-generated reports. Maintain agreed turnaround times for credit appraisal and customer response management. Provide feedback to branches and lending teams on credit applications and portfolio quality matters. Supervise, mentor, and support Credit Analysts through coaching, training, and performance management initiatives. Participate in development of staff training materials and capacity-building programs for lending teams. Prepare periodic portfolio quality, appraisal performance, and risk management reports for management review. Promote high ethical standards, integrity, and compliance culture within the credit function. Qualifications & Requirements Bachelor’s Degree in Commerce, Business Administration, Economics, Banking, Finance, or a related field. Professional certification in Credit Risk Management or Credit Analysis required. Minimum of 5 years’ relevant experience in credit risk analysis, lending, or debt recovery within a financial institution. Supervisory or people management exposure is highly preferred. Experience in banking, microfinance, SACCO, or financial services sector is highly preferred. Experience in the same business is preferred. Strong understanding of CBK Prudential Guidelines, credit risk management, and lending operations. Knowledge of CRB processes, credit scoring tools, and portfolio monitoring frameworks. Strong financial analysis, report writing, and decision-making skills. Excellent communication, negotiation, and stakeholder management capabilities. Proficiency in Microsoft Office applications and credit management systems. Key Competencies Credit risk analysis and loan appraisal Portfolio quality and risk monitoring Lending operations and credit compliance Financial analysis and risk assessment Leadership and team supervision AML, KYC, and regulatory compliance Communication and report writing skills Negotiation and decision-making skills Analytical and problem-solving abilities Time management and organizational skills End Date:12th June 2026