SBM Bank Kenya is a leading and trusted financial institution with an international footprint, headquartered in Mauritius and positioned to offer an unprecedented banking experience in Kenya to niche Retail, SME and corporate clients. Following approval by the Central Bank of Kenya, the bank started its operations in Kenya in May 2017 and currently has a branch network of 41 branches countrywide complemented by ATMs, mobile banking, online banking, extensive agency banking services and a 24/7 Contact Centre. SBM Bank Kenya is characterized by diversity and variety, comprising of individuals with years of vast experience under their belt. This ensures that they are not only able to cater to a diverse group of clients but are also positioned to offer a variety of first-class services. Job Purpose Analysis of Commercial Banking Credit Proposals and management of the Commercial Banking Credit risks as assigned. Key Responsibilities Retail Approval — 80% Analyze loan applications and documents presented for Commercial Banking facilities and ensure compliance with the approved Product parameters, all credit policies and underwriting standards. Execute the credit underwriting function in line with bank credit strategy and the overall bank growth strategy by undertaking timely review of Commercial Banking applications within stipulated turnaround time while maintaining the stipulated loan portfolio migration and early vintage rates. Conduct World Check screening for adverse mentions and escalation of the same to Compliance Department. Ensure transaction monitoring is done to analyze customers’ account conduct and risk profile. Ensure credit risk exposures for Commercial Banking are managed within the established risk appetite and standards to protect the bank from financial loss arising from a borrower's failure to repay a loan or meet other credit obligations. Evaluate and understand the risks associated with individual transactions, products, securities, and the borrowers. Asset Finance Product and Portfolio Management — 10% Participate in the review and assessment of the Commercial Banking Products and Portfolio. Review and recommend key changes and updates to the Commercial Banking Products Offering Digitalisation and Product Enhancement — 10% Participate in product digitalization and system enhancement initiatives for the Commercial Banking Product Offering. Participate in the review of the Commercial Banking Product Manual and processes. Knowledge, Skills, and Experience Required for this Role At least 4 years’ experience as a loan appraisal officer or related position. Excellent understanding of credit risks, financial analysis and the techniques of credit analysis. Good presentation and analytical skills. Good communication and planning skills. Ability to work with different stakeholders across the bank and manage key relationships.