Head, Business Origination

Reporting to the Director, Corporate Banking, this position shall be responsible for the credit approval and risk management process in respect to corporate banking portfolio. The job function will have an overall responsibility of ensuring quality appraisal of credit applications by the team for new, renewal and/or extensions of credit, using a range of criteria and make recommendations on the nature, structure and terms of the loan or line of credit that will protect the bank’s ability to recoup funds loaned at a profit. It will oversee robust covenant monitoring to ensure that all approved covenants are tracked as per approval terms and support the management/reduction of non-performing local and group corporate loans.

Key Responsibilities

• To develop and lead the implementation of credit origination strategy in line with the overall Corporate Banking/ KCB Group strategy.
• Evaluation of credit appetite including appropriateness of structure considering application, tenor, risk versus return relationship, and the evaluation of effectiveness of risk mitigants
• Deliver well thought out decisions showing sound judgement where applications are within delegated sanctioning authority.
• Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal.
• Identify and manage existing high-risk accounts and undertake the necessary corrective action when the risk profile threatens to become unacceptable.
• In liaison with the credit administration unit and relationship managers, provide oversight of performance of facilities booked in Kenya from other KCB Group subsidiaries to ensure that they remain performing and in the good book.
• Robust Covenant Monitoring to ensure that all approved covenants are tracked as per approval terms. Present applications to the relevant credit committee and/or delegated credit evaluators.
• Responsible for the oversight and implementation and adoption within Corporate Credit, of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This entails the consideration and approval of customers including those that require being subjected to enhanced Due Diligence for on boarding and continued business.
• Support the corporate business units to deliver world class service to our external customers. Assist relationship managers in negotiating term sheets with clients ensuring that the deal structure, conditions, and covenants conform to the overall credit requirements of the bank.
• Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty. Spearhead improvement of service delivery and query resolution including defining customer pain points and providing solutions in collaboration with other stake holders.

The Person

For the above position, the successful applicant should have the following:

Academic & Professional
• University Degree from a recognized institution.
• Certificate in commercial Credit required
• 10 years’ Experience Required in the Financial Sector
• 6 years of experience in Strategy development and implementation
• 8 years of experience in Sectors/Industry knowledge
• 8 years of experience in Credit Management
• 8 years of experience Portfolio Management
• 8 years of experience in Financial Analysis & Performance Management
• 6 years in Leadership

The above position is a demanding role for which the Bank will provide a competitive remuneration package to the successful candidate. If you believe you can clearly demonstrate your abilities to meet the criteria given above, please log in to our Recruitment portal and submit your application with a detailed CV.

To be considered your application must be received by Friday, 18th September 2026.

Qualified candidates with a disability are encouraged to apply.

Only short-listed candidates will be contacted.