Credit Analyst

Family Bank is actively seeking a highly motivated and detail-oriented Credit Analyst to join its dynamic Credit Department in Nairobi, Kenya. This full-time credit analyst role presents a prime opportunity for professionals exploring Family Bank careers and looking to advance their expertise in corporate and consumer credit risk assessment. The Credit Analyst position at Family Bank is critical for evaluating and analyzing credit proposals, conducting thorough financial and risk assessments, and supporting prudent credit decision-making in alignment with regulatory requirements and the bank’s risk management framework.

Key Job Information

• Position: Credit Analyst
• Location: Nairobi, Kenya
• Employment Type: Full-time
• Experience Level: Mid-level
• Application Deadline: 16th January 2026
• Department: Credit
• Reports To: Manager – Credit Analysis

About Family Bank

Family Bank is a leading financial institution in Kenya known for delivering innovative solutions across retail, corporate, and digital banking. With a strong focus on operational excellence and customer satisfaction, the bank provides a platform for talented professionals to build rewarding Family Bank careers in Nairobi and beyond. Family Bank continues to expand its corporate and consumer lending operations while maintaining strong governance, compliance, and risk management practices.

Joining Family Bank means being part of an organization that values integrity, collaboration, and high performance. Employees are provided with comprehensive learning and development programs, mentorship opportunities, and access to challenging analyst roles at Family Bank that contribute to measurable business outcomes. This is an ideal environment for professionals seeking credit analyst jobs in Nairobi to develop advanced skills in credit assessment, financial analysis, and corporate banking operations.

Credit Analyst – Role Overview

The Credit Analyst at Family Bank is responsible for the assessment, approval, and monitoring of credit facilities to mitigate risk and ensure compliance with bank lending policies and Central Bank of Kenya (CBK) prudential guidelines. This role involves critical evaluation of credit applications, training and guidance of credit staff, and contribution to system and policy improvements. The credit analyst job in Nairobi is essential for maintaining a robust, efficient, and compliant credit function that supports the bank’s growth objectives.

Key Responsibilities

• Assess and approve credit facility applications within assigned discretion limits, ensuring full adherence to policies, and escalate recommendations for approvals beyond personal limits.
• Analyze credit applications, including consumer and corporate loans, critically, providing prompt, accurate decisions in line with CBK prudential guidelines.
• Ensure service standards and turnaround times (TAT) on facility approvals are maintained, with appropriate escalation in case of delays.
• Review and monitor the performance of the loan book to identify potential risks and growth opportunities.
• Conduct training and coaching sessions for consumer credit officers and provide leadership to head office credit staff.
• Maintain and update staff facilities in the Flexcube system, ensuring accuracy in disbursement, loan amounts, interest rates, tenors, and collateral records.
• Provide guidance on credit policies and procedures, ensuring consistent application across credit teams, business units, and branches.
• Participate in system improvement and implementation processes, providing user requirements, feedback, and critique to enhance operational efficiency.
• Prepare facility letters, security/collateral documentation checklists, and ensure compliance with all internal and regulatory requirements.
• Document and annually update procedures for the Credit Analyst role to ensure consistent knowledge transfer and operational excellence.
• Perform any other official duties as may be allocated from time to time.

Required Qualifications

• Bachelor’s degree in Finance, Accounts, Business Administration, or a related field.
• Professional credit or accounting qualifications are advantageous.
• Minimum of three (3) years’ practical experience in banking with proven results in credit assessment and recovery.
• Experience in banking and a legal background is an added advantage.
• Strong analytical skills with the ability to interpret financial statements and make sound credit decisions.
• Proficiency in Microsoft Word, Excel, Access, PowerPoint, internet, and email applications.
• High integrity, reliability, and ability to work independently.
• Excellent communication, negotiation, and interpersonal skills.

Preferred Qualifications

• Demonstrated ability to mentor, support, and develop talent within the Credit Analysis Unit.
• Experience with credit policy development, system improvements, and procedural documentation.
• Knowledge of consumer and corporate banking products, risk assessment frameworks, and credit decision-making processes.
• Ability to manage multiple priorities and deliver quality outcomes under tight timelines.

Benefits and Compensation

• Competitive salary and performance-based incentives aligned with Family Bank careers.
• Comprehensive health and wellness benefits.
• Retirement contributions and pension plans.
• Opportunities for professional growth and promotion within analyst roles at Family Bank.
• Inclusive, collaborative, and high-performance workplace culture.
• Recognition programs for outstanding contribution and achievement.
• Work-life balance support including flexible schedules and professional development opportunities.

How to Apply for This Credit Analyst Position

Interested candidates should apply online via email at [email protected] before 16th January 2026. Applications must include a detailed CV and cover letter outlining experience in credit evaluation, financial analysis, and risk assessment. Canvassing will automatically disqualify applicants. Only shortlisted candidates will be contacted. Family Bank is an equal opportunity employer, offering top-tier credit analyst jobs in Nairobi and other career opportunities in banking.