Senior Manager, Retail Credit Underwriting

I&M Bank

I&M Bank is a wholly owned subsidiary of I&M Holdings Limited, a publicly quoted company at the Nairobi Securities Exchange (NSE). The bank possesses a rich heritage in banking.

Sector
Banking
Rate this employer
Average: 2.8 (6 votes)

https://www.imbankgroup.com/ke

Senior Manager, Retail Credit Underwriting

Job Purpose: 

  • To ensure and maintain a high-quality Retail lending book by managing the analysis and approvals of Retail & MSEs Loans within the bank’s policies and delegated authorities.
  • He/she will manage and train staff within the unit and support in establishing professional underwriting structures, processes, and culture for Retail Lending Business.

Key responsibilities:

  • Oversee review and approval of Retail & MSE Loans and Credits Cards Credit referred to credit by the scoring systems.
  • Oversee credit risk assessment and sanctioning of non-scored Retail & MSEs Loans and Credit Cards.
  • Manage the Retail underwriting team to ensure reviewed applications are within policy guidelines and delegated authority. 
  • Ensure Turn around Times are met as per service Level Agreements.
  • Ensure robust tracking and monitoring for optimum underwriters’ productivity levels.
  • Training Credit staff, Management Trainees and Frontline staff on credit appraisal and the general parameters for Retail credit products. 
  • Approval of facilities within delegated authority.
  • Ownership of governance within the Retail underwriting unit.
  • Review of processes within the unit to ensure they support the business aspirations.
  • Coordinate the process of movement of applications and advising credit decisions between branches and approving authorities.
  • Preparing Credit proposals that need Credit Committee approvals.
  • Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio.

Academic Qualifications:

  • Bachelor’s degree in business or a related field from a recognized Institution.
  • Professional Banking or Accountancy qualifications will be an added advantage.

Work Experience and Core Competencies:

  • At least 7 years relevant experience Credit unit of the Bank with at least 4 years in a supervisory capacity.
  • Excellent knowledge of all Retail Banking products. 
  • Ability to write comprehensive reports. 
  • Excellent communication and interpersonal skills.
  • Strong people-management skills.
  • Advanced financial risk analysis skills.
  • Advanced credit risk management skills.
  • Excellent problem solving and decision-making skills. 
  • High level of people management skills.

Method of application

If you are interested and qualified, kindly submit your application via the link provided below,

https://imbank.bamboohr.com/careers/921?utm_source=Jobinkenya

Deadline 19-Apr-2026

Apply
Click on the APPLY button to send your application documents:
  • Your application will be sent to the employer immediately (Allowed formats: .doc .pdf .txt .docx)
  • A confirmation email will be sent to you few minutes afterwards
  • You can request any documents archived from our website (ex: a job description, a CV, a cover letter...)
Please bear in mind that you should never be requested to pay to get interviews, or to pass extra certifications etc...