Job Purpose:  

Responsible for building and maintaining quality Corporate Asset Book with existing and potential corporate customers, being proactive in providing effective and efficient debt management tools, products, identifying opportunities for rehabilitating distressed debt and resolving non-performance of corporate debts.

Key Responsibilities: 

• Manage Asset Quality by use of effective and efficient Credit Policies, proactive procedures, processes & practices
• Develop and implement debt collection and management strategies that support the bank to achieve a healthy corporate debt portfolio
• Dealing with External Service providers such as Lawyers, Auctioneers, Property Managers, Receivers, Project Managers, Estate Agents, Investigators and overseeing issuance of necessary instructions for the services required
• Issuance of necessary demand and statutory notices for defaulted debts, tracking adherence and effecting recovery in liaison with the relevant stakeholders
• Providing periodical and ad hoc reports in relation to the performance of Corporate Banking Asset portfolio to relevant stakeholders
• Providing support to all internal stakeholders
• Oversee the day-to-day activities performed by the team members
• Identifying gaps such as time management, performance related issues, discipline issues, adherence to policies and procedure of the Bank and taking the appropriate action

Qualifications

Academic:

• Bachelor’s Degree from a recognized institution
• Master’s Degree is an added advantage

Professional:

• Certification in Credit, Debt Management or Accountancy

Desired work experience:

• At least 5 years of banking experience of which 3 years must be in Credit Department or in a similar role

Key Competencies and Skills

• In-depth knowledge of the banking industry, banking products, banking services and banking regulations.
• Sound working knowledge and understanding of general commercial regulations and practice
• Excellent & effective communication and active listening skills
• Confidence and Presentation skills
• Understanding and interest in financial / banking products and markets
• Ability to analyze and research information.
• Ability to explain complex information clearly and simply.
• Good negotiation skills with demonstrated performance
• Strong skills on Excel, Outlook & Word
• Solid ability to use PowerPoint to develop presentations.
• Team skills are essential for collaboration and problem solving.
• Leadership & Initiative
• Organizational & solid administrative discipline

Job Purpose:

The role holder will lead the business banking segment and drive development in alignment with the Bank’s overarching strategy. They will be responsible for achieving key business development targets, while fostering and maintaining critical relationships with stakeholders to support the Bank’s strategic goals. As an integral member of the Bank’s leadership team, they will contribute to the formulation of long, medium, and short-term strategic plans that advance both the Bank’s and departmental objectives. Additionally, they will ensure clear communication of the Bank’s business strategy to all stakeholders, while keeping the team aligned and focused on achieving business development goals.

Key Responsibilities:

Business Development:

• Develop annual and quarterly financial plans and budgets for the Supreme business.
• Manage both borrowing and non-borrowing customers to enhance loyalty, minimize risk of loss, and drive business growth.
• Regularly assess strategic initiatives within Supreme branches/segments, taking appropriate actions when needed.
• Lead efforts across segments to grow the business in optimal proportions and achieve set targets.
• Build and strengthen relationships with existing and potential customers. Identify and share market opportunities and insights to guide business development and product innovation.
• Conduct regular business visits to bank clients, prospects, and branch affiliates.
• Maintain a sustainable, profitable, and high-quality balance sheet.
• Drive cost management by enforcing resource optimization and cost-efficiency initiatives.
• Continuously assess and refine customer value propositions for various market segments.

Market & Customer Service:

• Collaborate with key business stakeholders to develop and implement sales initiatives effectively.
• Provide ongoing market intelligence to identify new market opportunities, customer trends, regional government directives, and policy changes.
• Represent and promote the Bank as its brand ambassador.
• Contribute to the development and execution of strategies that strengthen the Equity brand and enhance its presence in target markets.
• Coordinate and drive business banking marketing initiatives.
• Identify, cultivate, and maintain strategic business partnerships.
• Position Equity Bank Kenya as the preferred banking choice.
• Ensure full compliance with the Bank’s customer service standards.
• Drive market share growth in alignment with strategic objectives, ensuring profitability, ethics, and sustainability.

Audit Risk & Compliance:

• Ensure the loan book quality across various segments within the region meets established standards.
• Monitor and enforce compliance with policies and procedures from regulatory authorities, Equity Bank, and other stakeholders.
• Implement effective Business Continuity Plans for different segments.
• Ensure continuous improvement in audit and risk ratings, maintaining alignment with set thresholds and key performance indicators.
• Communicate the Bank’s risk and control environment to unit staff, fostering a clear understanding and appreciation of these principles.

People Management:

• Leverage existing competencies and develop new ones to achieve a competitive advantage.
• Ensure the recruitment and retention of a skilled workforce to deliver exceptional service, meet targets, and optimize business efficiency and effectiveness.
• Manage succession planning at the segment level, ensuring competent successors are in place for key positions to support business continuity and cost management. · Mentor and coach staff to enhance their capabilities in performing assigned roles.
• Offer career guidance and provide learning opportunities and assignments to foster engagement and career advancement.
• Foster a positive work environment, maintaining high morale and motivating staff.
• Set clear performance expectations and conduct timely performance evaluations to ensure consistent high performance.
• Hold weekly performance review meetings with Business Banking Relationship Managers in Supreme Business branches.
• Drive staff growth and development, identifying talent and recommending alignments to available opportunities.
• Identify staffing gaps and advise the Regional RM Business on optimal staff deployment across branches.
• Adhere to HR policies in managing employees and ensuring compliance

Performance & Reporting:

• Maximize the use of the Bank’s Management Information System for effective staff performance management.
• Ensure optimal segmentation of the Bank’s client database, enabling targeted marketing across various business segments.
• Submit accurate and timely reports to key stakeholders to support informed decision-making.
• Perform any other duties as assigned by the line manage

Qualifications

Qualifications and Experience:

• Bachelor’s degree in business administration, finance, or a related field.
• At least eight (8) years of experience in commercial credit, financial analysis, or banking, four (4) years of which must be as a Relationship Manager – SME or similar role.

Key Competencies and Skills

• Strong understanding of organizational effectiveness and operations management.
• Proven experience in budgeting and forecasting.
• Exceptional leadership and management abilities.
• Expertise in developing, implementing, and reviewing policies and procedures.
• Proficient in overseeing budgeting, reporting, planning, and auditing processes.
• In-depth knowledge of relevant legal and regulatory requirements.
• Strong problem-solving skills and ability to identify and capitalize on opportunities for the company.
• Excellent communication skills, both verbal and written.
• Exceptional organizational and time-management abilities.

Job Purpose:

The role holder will be responsible for evaluating, developing and monitoring recovery action plans on SME accounts on a continuous basis, to achieve maximum and timely recoveries and/or turnaround at minimal costs and ensure the SME portfolio at risk (PAR) is maintained at acceptable banks levels.

Key Responsibilities:

• Oversee the quality of Equity Bank (K) Limited’s SME portfolio (loan book).
• Conduct initial assessments of distressed borrowers and negotiate repayment arrangements by evaluating monthly income, expenditure statements, and the affordability of proposed reductions.
• Review facilities with Credit Risk to determine the best recovery options, including restructuring and asset classifications.
• Ensure that sanctioned loan facilities are monitored and managed in compliance with the bank’s lending policies and the Central Bank of Kenya’s prudential guidelines.
• Ensure timely issuance of recovery notices to SME clients with loans in distress, in collaboration with Branches and the Debt Recovery Unit.
• Develop and implement recovery strategies and action plans for non-performing SME debts, working closely with Branches and the Debt Recovery Unit.
• Reduce non-performing debts through proactive recoveries and viable restructuring options.
• Review facilities in Credit Quest to determine the best recovery options, including restructuring and asset classifications.
• Manage correspondence with both internal and external customers.
• Prepare and update SME recovery reports, providing continuous updates on the recovery status of SME Banking clients.
• Monitor debtor compliance with agreed settlement arrangements.
• Coach, guide, and motivate staff to improve efficiency and productivity.

Qualifications

Qualifications, Experience:

• Bachelor’s degree in business related degree from an institution recognized by Commission for University Education.
• At least 8 years’ banking experience, 3 years of which should be in a management position within credit.
• Demonstrates a clear understanding of recoveries processes in SME and must be able to provide direction and strategic thinking where appropriate in relation to distressed assets and loans in default.
• Should have sound knowledge in accounting and financial principles, Credit risk management, Business banking, Investment banking.
• Understanding of Legal principles related to lending and collateral rights.
• Must have the ability to translate and apply Credit knowledge to optimize positive outcomes in negotiations with clients

Key Competencies & Skills:

• Goal-oriented with the ability to work with minimal supervision
• Excellent interpersonal skills
• Strong verbal and written communication skills
• Demonstrates high standards of integrity
• Skilled negotiator.

Job Purpose:

The role holder will lead the business banking segment and drive development initiatives aligned with the region’s overarching strategy. They will be accountable for achieving strategic business development targets and cultivating strong relationships with key stakeholders to support the Bank’s long-term goals. As a proactive member of the Bank’s leadership team, they will contribute to the formulation of strategic plans—spanning long, medium, and short-term objectives—aimed at advancing both the Bank’s and departmental success. They will effectively communicate and align the Bank’s business strategy across all stakeholders, ensuring staff remain motivated and focused on achieving business development objectives.

Key Responsibilities

Business Development:

• Develop and implement annual and quarterly financial plans and budgets for the region.
• Manage borrowing and non-borrowing customers in the region to boost customer loyalty, reduce risk of loss, and drive business growth.
• Regularly assess and adjust strategic initiatives within the region/segments to ensure effective outcomes.
• Lead and direct efforts within the segments to grow the business and achieve set targets in optimal proportions.
• Cultivate and strengthen relationships with both existing and potential customers, identifying and sharing market opportunities and insights to guide business and product development.
• Lead and conduct regular business visits to bank clients, prospects, and branch/affiliates to foster relationships and drive growth.
• Maintain a sustainable, profitable, and high-quality balance sheet by managing key financial metrics.
• Enforce cost optimization strategies to maximize resource efficiency and minimize expenses.
• Continuously evaluate and enhance customer value propositions for different customer segments.

Market & Customer Service:

• Collaborate with regional business stakeholders to develop and implement sales initiatives.
• Continuously gather and analyze market intelligence to identify new markets, customer trends, regional government directives, and policy changes.
• Represent and promote the Bank as its brand ambassador in all interactions.
• Contribute to the development and execution of strategies that strengthen and position the Equity brand within target markets.
• Coordinate and lead business banking marketing initiatives to drive awareness and engagement.
• Initiate, build, and sustain strategic business partnerships to support long-term growth.
• Position Equity Bank Kenya as the preferred banking choice in the market.
• Ensure strict adherence to the Bank’s customer service standards and policies.
• Drive market share growth in alignment with strategic goals, ensuring profitability, ethical practices, and sustainability.

Audit Risk & Compliance:

• Ensure the loan book quality across various segments within the region meets established standards.
• Actively participate in the Regional Credit Committee in accordance with policy guidelines.
• Enforce adherence to policies and procedures set by regulatory authorities, Equity Bank, and other stakeholders.
• Develop and implement effective Business Continuity Plans for each segment.
• Drive improvements in audit and risk ratings for the region, ensuring they remain within set thresholds based on key performance indicators.
• Communicate and clearly articulate the Bank’s risk and control environment to unit staff, ensuring a strong understanding and adherence.

People Management:

• Leverage existing competencies and create new ones to secure a competitive advantage.
• Ensure the recruitment and retention of skilled human resources to deliver exceptional service, achieve targets, and optimize business efficiency.
• Manage succession planning at the segment level, ensuring competent successors are in place for key positions to ensure business continuity and effective cost management.
• Mentor and coach staff to build their capacity and enhance performance in their assigned roles.
• Provide career guidance, offer learning opportunities, and assign tasks that support engagement and career development.
• Foster a positive work environment by maintaining high morale and keeping staff motivated across the region.
• Set clear performance expectations and conduct timely performance evaluations to maintain high performance standards.
• Conduct weekly performance review meetings with Business Banking officers in the region to monitor progress and address concerns.
• Drive regional staff growth and development by identifying talent and aligning them with appropriate opportunities.
• Identify staffing gaps and advise the Regional RM Business on the optimal deployment of staff across branches.
• Ensure compliance with HR policies in the management of employees.

Performance & Reporting:

• Optimize the Bank’s Management Information System to effectively manage staff performance.
• Ensure the proper segmentation of the Bank’s client database and implement targeted marketing strategies across various business segments.
• Submit relevant and timely reports to key stakeholders to support informed decision-making.
• Perform any additional duties as assigned by the line manager.

Qualifications

Qualifications and Experiences

• Bachelor’s degree in business administration, finance, or a related field.
• At least eight (8) years of experience in commercial credit, financial analysis, or banking, four (4) years of which must be as a Business Client Advisor or similar role.

Key Competencies & Skills

• Strong understanding of organizational effectiveness and operations management.
• Proven experience in budgeting, forecasting, and financial planning.
• Exceptional leadership and management abilities.
• Skilled in developing, implementing, and reviewing policies and procedures.
• Expertise in overseeing budgeting, reporting, planning, and auditing processes.
• In-depth knowledge of relevant legal and regulatory requirements.
• Proficient in identifying and addressing challenges and opportunities for the company.
• Excellent communication skills, both written and verbal.
• Outstanding organizational and time-management abilities.

Job Purpose:

The role holder will be responsible for leading the BORROW Pillar for the Bank, with overall responsibility for portfolio growth, income generation, and portfolio quality within Business Banking. They will be primarily accountable for effectively structuring borrower needs and solutions while managing the inherent risks of the portfolio to ensure high-quality performance.

Work closely with relevant stakeholders from origination and utilization to monitoring, playing a key role in deal structuring to add value from business, credit, and bank policy perspectives. They will actively participate in cross-selling the Bank’s products across other Pillars – MOVE, SAVE & INVEST, and INSURE.

Deal Origination:

• Accompany Relationship Managers & Product Specialists, as applicable, in Client visits to originate identified Borrowing needs with a view to seamlessly manage the onboarding process.
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with relevant stakeholders in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Prepare and secure approval for Term Sheets, wherever required
• Work with relevant stakeholders in: Obtaining all deal pre-clearances i.e. KYC, AML/CTF Screening, ESG Review, CRB Check, etc.
• Deal-structuring and other relationship optimization initiatives
• Expediting approvals, Security Perfection & Facility Disbursement/drawdown.
• Portfolio Management, Monitoring & Reporting, as and when required.
• Responsible for end-to-end credit proposal process including preparing all the tools like environmental and social due diligence report, Scorecard, Finales, etc., in-depth analysis of value propositions & various risks, quality presentation and ensuring timely credit approval.
• Ensure full compliance with all internal and regulatory credit/portfolio terms & condition.

Post Deal Account Monitoring:

• Proactively collaborate with the Relationship Manager at the branch to ensure the timely closure of security perfection and conditions, facilitating prompt disbursements and repayments.
• Work alongside the Relationship Manager to promptly identify accounts that need to be downgraded to Watch status, in accordance with the Bank’s policies and guidelines.
• Participate in downgraded accounts (Watch status) and portfolio calls with relevant stakeholders (DRU/Special Assets).
• Maintain clients’ credit files accurately and ensure they are always audit-ready.
• Conduct interim credit proposal reviews and amendments promptly as business needs arise.
• Ensure timely facility renewals and/or justified extensions while staying within required thresholds.
• Liaise with Credit Risk regarding credit proposals, memos, term sheets, and other credit issues, ensuring quick responses and resolution of queries.
• Prepare and seek periodic approval, where applicable, for · Covenants and Risk Triggers reports.

Other Responsibilities:

• Attend relevant business development fora, as required, to mine/convert opportunities.
• Assist in/Collaborate with other stakeholders to prepare industry-specific studies.
• Prepare Credit Opinion reports wherever required.
• Prepare timely Stress Tests, wherever required
• On request, participate in Bank & Group-wide HR and business initiatives and provide expert advice on Business Banking Credit matters including any other matter that may be assigned by the Team Leader from time to time.

Qualifications

Qualification and Experience

• Bachelor’s degree from a recognized institution
• Master’s Degree is an added advantage.
• At least six (6) years of relevant experience, three (3) years of which must be at management or supervisory level
• Good track record of credit analysis and financial understanding.
• In-depth knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices

Key Competencies & Skills

• Credit Analysis
• Risk Management
• Industry Knowledge
• Networking Skills