Equity Bank is hiring a results-oriented Relationship Manager – Credit to oversee credit risk underwriting, loan portfolio quality, and compliance at the branch level. This leadership role is an excellent opportunity for professionals seeking to grow their careers in the dynamic world of credit risk jobs in Kenyan banks.

Key Job Information

• Position: Relationship Manager – Credit
• Location: Kenya (branch-based)
• Employment Type: Full-time (Regular)
• Experience Level: Team Leader (Minimum 8 years experience)

About Equity Group Holdings

Equity Bank, a subsidiary of Equity Group Holdings, is one of Africa’s most impactful financial institutions. With a footprint across Kenya, Uganda, Tanzania, Rwanda, South Sudan, and the DRC, Equity serves over 12 million customers—making it the largest customer base on the continent. The Bank’s mission is to transform lives and livelihoods through accessible, inclusive, and sustainable financial services.

Equity Bank is a top employer for individuals looking for purpose-driven careers at Equity Group, offering significant room for growth, leadership development, and regional impact. It fosters innovation and integrity while empowering communities through financial access.

Job Description

Reporting directly to the Branch Manager and Regional Credit Office, the Relationship Manager – Credit will manage all aspects of credit operations at the branch level. This includes overseeing underwriting processes, assessing credit risk, evaluating loan applications, and ensuring strict compliance with internal and external credit regulations. The role acts as the chair of the Branch Credit Committee and serves as a key liaison with the regional credit function.

This opportunity is ideal for professionals seeking credit manager jobs in Kenya or those experienced in loan underwriting jobs in Kenya, with a desire to lead credit strategy execution at a high-impact institution.

Key Responsibilities

Credit Risk & Underwriting Oversight

• Lead the credit underwriting process at the branch level and chair the Branch Credit Committee (BCC).
• Assess and evaluate loan applications to determine borrower creditworthiness and risk levels.
• Approve or escalate credit decisions based on delegated authority limits.
• Ensure all credit appraisals align with the Bank’s risk appetite, lending policies, and regulatory standards.

Credit Monitoring & Portfolio Quality

• Track and analyze branch credit performance using tools such as PAR (Portfolio at Risk) analysis and portfolio distribution reports.
• Ensure proper documentation, recordkeeping, and transaction verification of credit activities.
• Collaborate with Relationship Managers – Business to proactively manage portfolio quality and minimize delinquencies.
• Oversee compliance with credit policies, regulatory requirements, and turnaround time (TAT) benchmarks.

Stakeholder Engagement & Service Delivery

• Act as the key credit liaison between the branch and the regional credit function.
• Provide timely support and resolution to client inquiries and credit-related issues.
• Deliver excellent internal and external customer service through responsive credit decisions.

Reporting & Training

• Generate monthly, quarterly, and ad hoc credit performance reports for senior management.
• Support training and mentorship of branch teams on credit policies, procedures, and risk assessment models.
• Promote continuous improvement and credit culture awareness among frontline staff.

Required Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• Minimum of 8 years’ experience in banking or financial services, with at least 3 years in a credit administration role.
• Strong understanding of credit lifecycle management, underwriting principles, and risk-based decision making.
• Working knowledge of credit regulations, legal frameworks, and internal audit requirements.
• Familiarity with retail, MSME, or corporate lending environments.

Preferred Qualifications & Certifications

• Professional certifications in credit management, banking, or risk (e.g., CCP, CRMA, CPA, or AKIB) are a distinct advantage.
• Experience with loan origination systems, credit scoring models, and portfolio tracking tools.
• Strong analytical, communication, and presentation skills.
• Ability to work under pressure, meet deadlines, and make sound credit judgments.

Key Competencies and Skills

• Exceptional decision-making and analytical ability.
• Proficiency in interpreting financial statements and credit documentation.
• High attention to detail and risk awareness.
• Strong leadership and interpersonal skills.
• Excellent report-writing, training, and stakeholder engagement skills.

Benefits and Compensation

Equity Bank offers a rewarding and competitive compensation package for credit professionals who drive branch performance and uphold the institution’s high credit standards. Benefits include:

• Attractive salary aligned to seniority and experience
• Performance-based bonuses
• Medical cover and wellness benefits
• Continuous learning through Equity Leadership and Credit Academies
• Clear pathways for promotion and advancement into regional or group-level roles

How to Apply

If you’re an experienced professional looking to advance your career in credit risk and relationship management, this is your chance to work with one of Africa’s most respected financial institutions. For those seeking high-impact relationship manager jobs in banking, careers at Equity Group offer unmatched growth and opportunity.

Click the “Apply Now” button below to submit your application and take the next step in your credit leadership journey with Equity Bank.