Head of Credit - Wholesale Banking

Industry: Management & Executive Leadership Sector

Education Level: Master's Degree

Job Schedule: Full-time

Employer: Unspecified

Salary: Open to Negotiation

Location: Nairobi

Positions: 1

Our client, a leading commercial bank in Kenya, is seeking to hire a Head of Credit - Wholesale Banking. Reporting to the Director, Credit, this position is responsible for ensuring high-quality credit approvals for wholesale loans by analysing credit applications in line with the Bank’s lending policies, CBK Prudential Guidelines, and industry best practices. The role will lead the wholesale credit team to evaluate, structure and monitor credit facilities, ensuring sound credit decisions, strong portfolio quality and regulatory compliance.

Job Responsibilities

• Evaluate and approve wholesale credit proposals (new facilities, renewals, amendments and cancellations) in line with internal policies, market dynamics and financial analysis, escalating those beyond delegated authority.
• Analyse and verify credit documentation, including financial statements and bank records, liaising with Wholesale Senior Relationship Managers and Relationship Managers for clarifications or additional information.
• Conduct client visits, independently or with Relationship Managers, to gain deeper insight into the client’s business, operations and market environment.
• Review credit decisions made by delegated authority holders within the unit to ensure consistency and adherence to policy.
• Respond to audit requirements and ensure timely resolution of audit findings relating to the wholesale credit function.
• Monitor the corporate credit portfolio, tracking renewals, limit expiries, early vintage performance indicators, migration, and portfolio at risk (PAR).
• Ensure compliance with turnaround times (TATs) and service level agreements for credit processing and approvals.
• Support the development and continuous improvement of credit policies, manuals and risk frameworks.
• Contribute to the creation and refinement of product standards and guidelines for wholesale lending programmes.
• Prepare and deliver periodic reports on the wholesale credit portfolio, covering performance trends, risk indicators, limit utilisation and compliance metrics.
• Ensure timely submission of reports to senior management, regulators and internal stakeholders, supporting strategic decision-making and portfolio oversight.
• Lead and mentor the wholesale credit team, ensuring high performance, accountability and a culture of proactive risk management and compliance.

Other Requirements

Qualifications

• Bachelor’s degree in Finance, Accounting, Business or a related field from a recognised institution.
• Certified Credit Professional (CCP) or Diploma in Credit Management.
• Professional certification in AKIB/CIB, CPA (K) or ACCA.
• A Master’s degree in a business-related field from a recognised university is an added advantage.

Experience

• Minimum of seven (7) years’ experience in credit risk, corporate banking or wholesale lending, of which at least three (3) years must be in a supervisory or team leadership role.
• Experience with complex credit structures, syndicated loans, or sector-specific lending is an added advantage.

Technical Knowledge & Skills

• Knowledge and understanding of banking operations (international and domestic).
• Credit risk principles and regulatory frameworks.
• Wholesale credit analysis.
• Portfolio oversight.
• Strong analytical and financial modelling skills.
• Good policy development and management capabilities.
• Financial acumen.
• Financial regulations (domestic and international).
• Risk management and financial standards (domestic and international).
• Project management.

Leadership & Behavioural Competencies

• Strategic focus, orientation, creativity and innovation.
• Coaching, leadership and influencing skills.
• Team building and conflict management.
• Initiative, proactiveness and ownership.
• Organisation and coordination.
• General managerial and administrative ability.
• Emotional intelligence.
• Decisiveness.
• Relationship management.
• Integrity and discretion.
• Resilience and tenacity.
• Analytical and problem-solving skills.
• Interpersonal skills.
• Communication skills (oral and written).

How to Apply

Interested candidates should submit their cover letter, detailed CV, expected salary, and proof of similar work completed via this link: Apply Now

Deadline: 23 November, 2026

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