Principal Credit Officer Job AHB
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Key Responsibilities
The duties and responsibilities of a Principal Credit Officer will entail:
- Developing and implementing strategies for the credit and applications department in alignment with Board goals and objectives;
- Make high-level decisions on credit approvals, rejections, or conditional approvals based on thorough evaluations and risk assessments;
- Ensuring that all credit applications, approvals, and related transactions are accurately documented and maintained;
- Liaising with legal, finance, and other relevant departments to ensure seamless processing and compliance with all necessary documentation and approvals;
- Addressing and resolving complex issues or complaints raised by applicants in a timely and professional manner;
- Analyzing the performance of the credit portfolio, including approval rates, delinquency rates, and default rates;
- Preparing and presenting detailed reports on credit activities, performance metrics, and risk assessments to the Board of Directors and other stakeholders;
- Promoting the adoption of new technologies and best practices to optimize credit operations;
- Implementing feedback from applicants, team members, and senior management and the Board of Directors to drive continuous improvement initiatives;
- Coordinating with internal and external auditors to facilitate credit audits and ensure compliance with all regulations;
- Identifying potential risks in the credit application process and developing strategies to mitigate these risks.
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Requirements & Qualifications
For appointment to this grade, the applicant must have:
- Cumulative service period of nine (9) years’ relevant work experience, three (3) of which must have been at the grade of Senior Credit Officer or in a comparable position;
- Bachelor’s degree in any of the following disciplines: Banking, Finance, Economics, Commerce, Business Administration, Real Estate, or equivalent qualification from a recognized institution;
- Membership in a relevant professional body, where applicable, and in good standing;
- Management course lasting not less than four (4) weeks from a recognized institution;
- Proficiency in computer applications; and
- Fulfilled the requirements of Chapter Six (6) of the Constitution of Kenya.
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How to Apply
Deadline17 March, 2026
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