From the employer's careers page · Verified employer
Credit Analyst, Commercial Banking
SBM Bank Kenya
Job at a glance
- Employer
- SBM Bank Kenya
- Position
- Credit Analyst, Commercial Banking
- Location
- Kenya
- Experience
- At least 4 years’ experience
- Salary
- Not stated in the advert
- Application deadline
- Open until filled (listed until 20 October 2026)
- Posted on VacancyKE
- 2 October 2026
VacancyKE summary
SBM Bank Kenya is hiring a Credit Analyst for Commercial Banking in Kenya to analyse credit proposals and manage credit risks. The role focuses on loan appraisal, risk assessment, and product portfolio management.
What stands out about this opportunity
- Role based in Kenya
- Focus on retail approval (80%)
- Involves product digitalization
- Requires World Check screening
Key responsibilities
- Analyze loan applications for compliance with product parameters and credit policies.
- Execute credit underwriting within stipulated turnaround times and growth strategies.
- Conduct World Check screening and escalate adverse mentions to Compliance.
- Monitor transactions to analyze customer account conduct and risk profiles.
- Manage credit risk exposures within established risk appetite standards.
- Evaluate risks associated with transactions, products, securities, and borrowers.
- Participate in reviewing Commercial Banking products and portfolio assessments.
- Support product digitalization and system enhancement initiatives.
Who should apply?
This job suits experienced loan appraisal officers with strong credit risk and financial analysis backgrounds seeking a commercial banking role.
Key requirements
- 4+ years loan appraisal experience
- Credit risk understanding
- Financial analysis skills
- Presentation skills
- Communication skills
- Stakeholder management
How to apply
- Fill in the details on the careers page.
- Upload your CV in pdf format to apply.
Official source: From the employer's careers page · sbmbank.co.ke. VacancyKE never charges job seekers.
Original employer advertisement
Published by SBM Bank Kenya on sbmbank.co.ke. Shown for reference; the employer’s version is the official one.
The employer’s advert
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.
Fill in the details below and upload your CV in pdf format to apply for this position.
Careers at SBM Bank Kenya | Join Our Team
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.
Fill in the details below and upload your CV in pdf format to apply for this position.
Careers at SBM Bank Kenya | Join Our Team