Job Purpose:

Responsible for leading the Securities and Documentation function by ensuring timely, accurate, and compliant preparation, verification, and execution of all corporate and non-corporate loan contracts, internal security documents, and related credit documentation. 

The role safeguards the Bank’s lending position by ensuring all documentation aligns with approved sanction terms, the Bank’s Credit Policy, CBK Prudential Guidelines, and all applicable legal and regulatory requirements.

Additionally, the role provides strategic oversight on evolving legal, regulatory, and policy changes impacting credit documentation while ensuring effective covenant capture, monitoring, and risk mitigation. 

Key Responsibilities:

• Signatory and Power of Attorney for Loan Contracts and Security Documentation. 
• Serve as the Bank’s authorized signatory and holder of Power of Attorney for execution of loan contracts and internal security documents. 
• Ensure all approvals are adequate and compliant with the Bank’s Credit Policy, Scheme of Delegation, and related annexures before documentation. 
• Verify that all facility types, sanction terms, repayment structures, pricing, commissions, collateral requirements, and approval conditions are accurately reflected in loan contracts. 
• Ensure collateral clauses are correctly structured to protect the Bank’s legal and financial interests. 
• Review and confirm contract accuracy to minimize errors, omissions, and documentation risks. 
• Provide timely and accurate reports relating to loan contracts and internal security documentation.
• Liaise with approving authorities to clarify contradictory or ambiguous sanction terms before execution. 

Supervisory, Leadership, and People Management:

• Lead and manage the team of Securities and Documentation Officers to ensure accurate, timely, and efficient processing of all credit documentation. 
• Oversee workflow through the Loan Origination System (LOS) while ensuring all non LOS transactions are effectively tracked and processed. 
• Monitor turnaround times (TATs), service level agreements (SLAs), and departmental productivity. 
• Evaluate team performance regularly, identify skill gaps, and implement corrective measures. 
• Develop and implement process automation and continuous improvement initiatives to enhance operational efficiency. 
• Coordinate effectively with Legal, Credit Administration, Relationship Management, and other stakeholders to ensure seamless credit documentation processes. 
• Ensure prompt resolution of audit findings and implementation of corrective action plans.
• Manage staff leave planning, handovers, performance reviews, and staff exit-related documentation processes. 

Risk Management and Compliance Oversight:

• Monitor legal and regulatory developments affecting lending and credit documentation. 
• Liaise with Legal and Compliance teams to revise templates and documentation standards in line with new laws and internal policy changes. 
• Ensure customer notifications for lending variations comply with applicable consumer protection and banking laws. 
• Verify accurate capture of all conditions of sanction and covenants within facility contracts. 
• Maintain covenant trackers and ensure proper monitoring, breach identification, and reporting. 
• Conduct periodic reviews of executed contracts to confirm compliance with approved standards.
• Support proactive risk identification by ensuring proper documentation of covenants and early warning indicators. 

Training, Learning, and Development:

• Build, mentor, and develop a high-performing documentation team. 
• Identify staff training needs and implement development plans. 
• Conduct training for team members, relationship managers, management trainees, and HiPo staff on: 
  Credit documentation best practices. 
  Risk identification. 
  Contract execution. 
  Collateral risk management. 
  Covenant monitoring and compliance. 
• Contribute to product development initiatives by ensuring documentation processes 
  align with new product requirements.
• Promote knowledge sharing and continuous professional development within the department. 

Stakeholder Engagement:

• Coordinate with internal stakeholders including Branch Teams, Relationship Managers, Credit Risk Managers, Legal, and Credit Administration on all matters related to credit documentation. 
• Provide timely advisory support on documentation-related credit decisions. 
• Guide Relationship Managers and other business units on documentation requirements to improve customer execution experiences. 
• Ensure effective interdepartmental collaboration to maintain SLA and TAT compliance.
• Support process reengineering initiatives aimed at enhancing service delivery and operational efficiency. 

Decision-Making and Accountabilities: 

Financial Impact:

• Protect the Bank from legal, compliance, operational, and reputational risks through complete and accurate loan documentation. 
• Ensure prompt loan disbursement by maintaining efficient documentation turnaround, directly supporting loan book growth. 
• Strengthen covenant management and monitoring to identify early warning signs and reduce potential credit losses.
• Ensure compliance with changing regulatory requirements to avoid penalties and financial exposure. 

Operational and People Impact: 

• Manage employee leave schedules and resource planning to ensure uninterrupted business operations. 
• Drive employee performance management and capability development. 
• Contribute to product development and process enhancement for improved operational effectiveness. 
• Oversee complaint resolution within required service timelines.
• Ensure timely closure of audit findings, tracking of CAPs, and maintenance of audit readiness. 

Academic Qualifications: 

Bachelor’s degree in commerce, Business Management, Economics, or related field. 

Professional Qualifications: 

Professional certifications in Credit Management, CPA, ACCA, Banking, or equivalent. 

Work Experience: 

• Minimum 4–6 years of total relevant credit documentation and banking experience.
• Minimum 4 years of managerial experience in credit, lending operations, or related banking functions. 

Required Skills and Competencies: 

• Strong analytical and interpretation skills. 
• Excellent numerical and risk assessment capability. 
• Strong planning and organizational skills. 
• Leadership and people management capability. 
• Excellent communication, report writing, and presentation skills. 
• Good knowledge of credit and trade finance products. 
• Strong understanding of banking regulations, Banking Act, and CBK Prudential Guidelines. 
• Good knowledge of core banking systems and loan origination systems. 
• Strong understanding of legal frameworks applicable to lending, securities, and banking documentation. 
• High attention to detail and compliance orientation.

If you believe you meet the above requirements log onto our www.imbankgroup.com/ke and click on careers and apply for the position. Your application should reach us as soon as possible but not later than 20th May 2026.