SMEP Microfinance Bank Limited is a public limited company incorporate under the companies Act (Cap 486) and licensed under the microfinance Act (Cap 493D) to offer banking, focusing on Group banking, Retail banking, Church banking, Asset financing, microfinance and related services. Our vision is to be a dynamic christian provider of financial solutions transforming lives and our mission is to empower our customers through provision of market driven financial solutions.The job holder will be charged with conducting rigorous loan appraisals.  He/she will ensure all credit requests are underwritten in line with laid down internal policies, procedures, product guidelines and best practices. The role undertakes a preventive approach in de-risking lending to ensure high portfolio performance, ease of recovery, competitive turn-around time and avoidance of unwarranted or emerging risks through time-to-time recommendations on areas of improvement.  Key Duties & Responsibilities  To participate and support the Spiritual formations and rhythms in the Bank, in order to maintain a focus on the Bank’s Christ-centered culture.   Management of credit risks through analysis and recommendation of approvals for facilities within the Institutions tolerable risk levels  Performing quality assurance checks on revenue assurance and system surveillance on loan modules  Ensure high turnaround time (TAT) for Credit proposals   Co-ordinate efforts together with Risk, Internal Audit, Credit Administration and Branches to ensure adherence to the Bank’s Credit Policy and lending guidelines  Work closely with both the Manager - Credit Analysis and Head of Credit to maintain appropriate credit risk management culture  Review loan security margins as per the existing market trends and advise the management on any necessary reviews.  Recommend policy reviews for customer experience improvement and risk management improvement based on experiences and industry trends   Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)  Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within credit risk analysis   Performing quality assurance checks on revenue assurance and system surveillance on loan modules and report anomalies noted.   Key Qualification, Qualities & Competencies  Must be a practicing Christian who lives and upholds Christian values, with a passion to serve  An undergraduate Bachelor’s degree in a Business-related field from a recognized institution.  Professional qualifications in  Credit e.g CCP, Credit Risk Assessment , CPA are an added advantage.  At least 5 years’ relevant experience in appraising SME, Group and Individual Micro loans   Numerical ability to analyze and interpret financial statements  Report writing and presentation skills   High degree of confidentiality   Clear understanding of microfinance/banking industry is an added advantage.   Good interpersonal & communication skills with excellent customer service.   A team player with the drive to improve performance.   Proficient computer skills  Self-driven and possess the ability to work with minimum supervision   End Date 10th June, 2026