With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
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Job Summary
To analyse the risks associated with new lending, structuring and derivative proposals with the intention of facilitating new business.Job Description
Job Purpose:
- A credit professional responsible for credit risk structuring of transactions and sanctioning covering multiple industry sectors. The role holder will have specific responsibilities for a range of SME customers
- Support the Business Banking SME Credit Team in providing credit input to Absa Bank Kenya Plc, delivering a World-Class Credit service and contributing towards achievement of the team’s risk and business objectives.
- Ensuring the optimal quality of the credit portfolio by application of best practice in decision-making, to a maximum personal lending discretion of US$ 1.2 million.
Key Accountabilities
Credit Risk Management – 60-70%
- Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit applications. Maintenance of these standards both personally and as part of the Wholesale Credit Team.
- Sole lending discretion, DG linked and set depending on personal experience/accreditation.
- Exercise judgement and discretion in the evaluation and approval/decline of higher risk classification credit proposals.
- Provide feeds into business and credit policy development, where appropriate.
- Provide feeds into credit process development, where appropriate.
- Implementation and ongoing delivery of business and credit policies and processes.
- Responsibility for personal adherence to governance, compliance and lending portfolio controls. Ensuring own conformance to policy and procedures within the Wholesale Credit Function, including proactive management of agreed responsibilities for Data Integrity.
- Maintain interactive relationship with other risk functions and Conformance Team.
- Advise on risk reward and challenge pricing where appropriate.
Business Risk Partnership -20-30%
- Deliver service in line with agreed business needs.
- Working in partnership with Country colleagues and proactively anticipating, respond to and seek to exceed the expectations of customers.
- Work with Country colleagues, providing post application-based coaching and discussion, where appropriate to ensure effective development and delivery of bespoke Risk solutions for customers.
- Proactively contributes to embedding agreed change management initiatives in support of process and quality improvements, cost reductions and development of people.
- Contribute towards the Team operating within cost budgets making recommendations for ‘working smarter’.
Staff Management -10-20%
- Support the Team Leaders in delivering effective performance development for individuals within the team.
- Drive proactive application of Absa Bank Kenya Plc Behavior’s both personally and throughout the team and coach and support colleagues within the Team.
Preferred Qualification
- A bachelor’s degree from an accredited institution, accounting
Preferred Experience
- At least 5 years in credit sanctioning
Knowledge and Skills
- Strong intellect balanced by practical and pragmatic approach
- Decisive
- Analytical and numerate
- Technical Lending Analysis
- Risk Management
- Build effective working relationships with staff/stakeholders
- Communications (written and oral) and presentations
- Effective negotiation and influencing
- Leadership
Absa Bank Kenya is an equal opportunity, affirmative action employer. Preference will be given to suitable candidates from designated groups whose appointments will contribute to the achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.
***Application Deadline – 3rd September 2026***
Education
Higher Diplomas: Business, Commerce and Management Studies (Required)Skills Required
- Higher Diploma in Business, Commerce, or Management Studies
- Bachelor's degree, preferably in Accounting
- At least 5 years of experience in credit sanctioning
- Technical lending analysis, risk management, analytical and numerate capabilities, communication, negotiation, influencing, and leadership skills
Absa Group Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Absa Group and has not been reviewed or approved by Absa Group.
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Healthcare Strength — Medical aid, group life, disability, and funeral cover are described as comprehensive, with features such as terminal‑illness advances and beneficiary grocery benefits. Wellness and assistance offerings support overall financial and personal wellbeing.
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Retirement Support — A pension fund and group retirement arrangements are positioned as core benefits within fixed remuneration. Retirement coverage is embedded alongside other protections as part of standard employment.
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Equity Value & Accessibility — Employee share‑ownership (eKhaya) and equity‑linked awards broaden wealth‑sharing, with dividends or cash‑equivalent participation in some markets. This provides longer‑term value beyond base pay.
Absa Group Insights
What We Do
Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise growth on the African continent and beyond. We’re a truly African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in China, Namibia, Nigeria and the United States, as well as securities entities in the United Kingdom and the United States, along with technology support colleagues in the Czech Republic.
