Credit Analyst, Islamic Banking Job NBK

Banking Jobs. National Bank of Kenya Jobs.

Job Reference No: NBK/RET/09/2026

Position Scope

This position is responsible for driving sales within sector/unit within Islamic Banking through quality credit origination, analysis, customer management and portfolio monitoring in collaboration with Departmental Heads and Relationship Managers.

Through interactions with customers, and as a key member of the team, provide feedback on customer needs and industry trends to always align corporate strategy in line with changing dynamics

Key Responsibilities

• Preparing quality credit applications.
• Financial analysis of corporate customers using credit skills, ratio analysis; judgment of management and business strategy.
• Verifying that securities provided are up to standard and forwarded for approval in line with the credit policy.
• Evaluation and understanding of risk associated with individual transactions, products and borrowers.
• Meeting Amanah clients when required to achieve clear understanding of their business with key focus on risk analysis.
• Assist Relationship Manager to monitor credit quality by highlighting early warning signs of credit deterioration.
• Ensure compliance with Bank’s policies and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level.
• Facilitate and accelerate business relationship through exceptional customer service to Amanah customers. Includes active engagement with customers from onboarding to managing Customer Retention.
• Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.
• Handle customer service requirements like query resolution.
• Effectively convert service recovery to sales opportunities and sustain client loyalty.
• Together with the RM, offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.
• Gather competitive intelligence to determine what competitors are offering clients, product positioning and service offerings.
• Continuously track market trends and ensure up to date knowledge of market offerings to be able to provide advice on potential business threats/opportunities.
• Proactively manage risk and exposure for assigned portfolio continuously.
• Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence.
• Meeting clients’ requirements on need basis while ensuring compliance with all regulations and controls as set by the Bank and external regulatory authorities.
• Awareness of all the policies and procedures issued by the Bank and ensuring strict adherence.
• Ensure KYC and AML compliance for all borrowing customers both new to bank and existing customers.
• Ensure zero operational loss and effective complaint management.
• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating.
• Identification of early warning signals for none performing accounts, tracking of early alert accounts and escalation to collections team where need arises.
• Any other duties as may be assigned by Management from time to time.

Qualifications,

• Bachelors’ Degree from a recognized University.
• Master’s degree in a Business-related field from a recognized University is an added advantage.
• 5-6 years of Commercial Banking experience, of which at least 3 years of credit analysis. Have appreciation and operating knowledge of the banking industry, market, trends as well as challenges.
• Demonstrable cross-cultural, people and relationship management skills, networking and negotiation skills, team motivation and leadership competence.
• Strong analytical skills.
• Strong knowledge of local Islamic banking market and vision about future direction and market sensitivities.
• Excellent interpersonal, communication and presentation skills.
• Some knowledge of the Bank’s lending principles, policies and procedures.
• Ability to prioritize, meet deadlines and work under pressure.
• Innovative and creative – ability to think creatively and develop innovative solutions.
• Ability to make operational and routine decisions in a timely and effective manner.
• Able to withstand operational challenges and maintain momentum.
• Manages emotions in a mature and composed manner as expected.

How to Apply

• Send your CV and application letter showing how you meet the role requirement stated above to: Recruitment@nationalbank.co.ke by Thursday, 9th April 2026
• Indicate Name of Job on email subject.
• Please note that applications received after the deadline will not be considered.
• Only shortlisted candidates will be contacted for the next stage/s of the process.