The purpose of this role is to provide assurance on the Bank’s Credit and Legal processes by carrying out audits in line with the approved audit plan.
Job Title: Senior Manager (Credit,
Remedial & Legal) Audit Reports to: Head of Internal Audit
Unit: Governance Department
:
Internal Audit
Grade: Band 6 Date: June 2025
Job holder: Supervisor:
Signature: Signature:
Job Purpose Statement
The purpose of this role is to provide assurance on the Bank’s Credit and Legal
processes by carrying out audits in line with the approved audit plan.
The audit activities involve analysing risks, recommending process and control
improvements, and providing reports summarising audit activity to relevant
stakeholders to ensure appropriate controls are in place to maximize earnings and
return on Bank assets within acceptable levels of risk.
Key Accountabilities (Duties and Responsibilities)
Perspective
%
Weightin
g
(to add
up to
100%)
Output
Audit Planning 25% • In conjunction with the Head of Internal Audit,
develop and implement audit plans to ensure all
Credit and Legal risks are fully addressed and
periodic audits are completed within the agreed
schedule as set out in the annual audit plan.
• The audit universe includes but is not limited to
Commercial and Consumer banking, Asset
Finance, Trade Finance and other credit related
products, Credit Analysis, Remedial Management,
and Legal including Credit documentation.
• Assess and advice on the internal control systems
and risk in all Credit and Legal areas of the Bank
including review of the suitability and reliability of
management information systems.
• Oversee and provide quality control of Credit and
Legal internal audits and ensure goals are met and
professional standards maintained.
• Coordinate Credit and Legal related activities
together with Enterprise Risk and Compliance
Page 2 of 5
including risk assessment and audit findings
tracking and provide input to the management
committee.
Audit
Management &
Execution
35% • Develop audit tests and evaluation programs,
execute the audit assignments, ensuring quality
and report on the audit results under the direction
of the Head of Audit.
• Lead audits of specific target areas identified from
the overall risk assessment in consultation with the
Head of Audit to ensure quality audit approach,
achievement of set audit objectives and
completion within agreed schedule.
• Guide/undertake consulting activities, as may be
requested, in accordance with professional
standards and provide sound advice on policies,
procedures, risks and controls.
• Provide advice and effective challenge to internal
stakeholders regarding the implications on the
Credit and Legal control environment on business
strategy and operating environment.
• Undertake to assist in investigation of cases of
internal and external fraud, as requested.
Internal business
processes
20% • Strong collaboration with other lines of defence to
provide integrated assurance.
• Review procedures, processes and records to
ensure they are in line with the Bank objectives
and appraise policies and plans of activities,
departments and functions under audit review.
• Manage and align assignment resources, efforts
and goals; identify and remove barriers in order to
achieve optimal results.
• Oversight over audit assignments and plans,
schedule and review of work-papers.
• Liaise with external auditors and other regulatory
monitoring agencies and implement
recommendations to improve controls, promote
growth and ensure compliance with the law,
financial legislation and regulatory framework.
Customer 10% • Strong relationships and communications with
Senior management to ensure concerns are
addressed and expectations met.
• A unified view of Credit and Legal risks and
compliance to drive informed decisions.
• Liaise with departmental heads to ensure audit
findings and recommendations are fully accepted
and implemented.
Page 3 of 5
Learning and
growth
10% • Quality of leadership experienced throughout the
unit and how effectively that translates into a
conducive work environment and employee
satisfaction and retention.
• Adequacy of personal and staff competence
development to effectively carry out the
department’s responsibilities.
• Review regularly performance of staff against
agreed objectives.
• Provide ongoing coaching and feedback to direct
reports.
• Identify development and training needs and
develop plans to satisfy areas identified.
Job Dimensions
Reporting Relationships: jobs that report to this position directly and indirectly
Direct
Reports 5
Indirect
Reports –
Stakeholder Management: key stakeholders that the position holder will need to
liaise/work with to be successful in this role.
Internal
• Departmental Heads – for guidance
and solutions to emerging problem
areas
• Senior management
External
External auditors, CBK inspectors – for
clarification and support
Decision Making Authority /Mandates/Constraints: the decisions the position holder is
empowered to make (Indicate if it is Operational, Managerial or Strategic). Please
also highlight any budgetary control responsibility if applicable for the role.
• Giving guidance and advice on the impact of non-compliance with controls and
statutory regulation on the Bank.
• Departmental budget as approved.
Work cycle and impact: time horizon and nature of impact (Planning)
(e.g. Less than 1 week, 2 weeks, 2 weeks – 1 month, 1month – 3 months, 3-6 months, 6-
12 months, above 1 year)
• Annual Credit and Legal audit plans
• Quarterly and Monthly reporting targets
Ideal Job Specifications
Academic:
Page 4 of 5
Ideal Job Specifications
â–ª A University graduate
▪ Master’s degree will be an added advantage
Professional:
â–ª CPA (K)/ ACCA qualifications
â–ª CIA qualification an added advantage
Desired work experience:
▪ 6 years’ experience of auditing or enterprise risk management in an external
audit/ Banking environment.
â–ª Good working knowledge of the TeamMate audit software and ACL Data
Analytics.
NCBA Bank Core Values Value
DRIVEN We are passionate, make bold decisions and learn from our failures.
We seek new challenges and appreciate different views constantly
raising the bar. We explore our full potential.
OPEN Our interactions are candid, honest and transparent. We listen to
each other and our clients. We are inclusive and always respect
each other.
RESPONSIVE We are proactive, act quickly and resolutely to deliver results. We put
our customer’s interests at the heart of all that we do. We keep it
simple and seek new ways to improve.
TRUSTED As a trusted partner we do what is morally right always. We keep our
word. We are accountable and believe in each other.
Ideal Job competencies
Page 5 of 5
Technical Competencies
â–ª Risk Management: Ability to anticipate and mitigate risk by
developing appropriate Risk Management
recommendations.
â–ª Audit Standards and Legislations: Excellent knowledge of
International Accounting and Audit Standards, and
Legislations
â–ª Compliance and Regulatory Framework: Good
understanding of the regulatory issues, reporting and
operational requirement as provided by CBK, CMA, KRA
etc.
â–ª Conceptual and Analytical Skills: Ability to quickly grasp
and understand systems and keen to detail
â–ª Technology Skills: Knowledge of computerized Internal
Audit Techniques, Computerized accounting and
financial systems, banking applications and spreadsheets
Behavioural Competencies
â–ª Results and Achievement Oriented: strives to achieve results,
enjoys measuring others, being measured, and being
judged on performance standards and those of others he
leads
â–ª Personal Ethics: Must be honest, fair, just but firm with himself,
and of high integrity
â–ª Negotiation Skills: Must be a good negotiator, particularly in
changing behaviour and work practices but always Win/Win
â–ª Communication and Interpersonal Skills: well developed oral
and report-writing skills, ability to work with, lead and build
motivated teams
â–ª Human Resources Management Skills: Leadership Skills,
Team Building and ability to train, develop and mentor staff
Remedial & Legal) Audit Reports to: Head of Internal Audit
Unit: Governance Department
:
Internal Audit
Grade: Band 6 Date: June 2025
Job holder: Supervisor:
Signature: Signature:
Job Purpose Statement
The purpose of this role is to provide assurance on the Bank’s Credit and Legal
processes by carrying out audits in line with the approved audit plan.
The audit activities involve analysing risks, recommending process and control
improvements, and providing reports summarising audit activity to relevant
stakeholders to ensure appropriate controls are in place to maximize earnings and
return on Bank assets within acceptable levels of risk.
Key Accountabilities (Duties and Responsibilities)
Perspective
%
Weightin
g
(to add
up to
100%)
Output
Audit Planning 25% • In conjunction with the Head of Internal Audit,
develop and implement audit plans to ensure all
Credit and Legal risks are fully addressed and
periodic audits are completed within the agreed
schedule as set out in the annual audit plan.
• The audit universe includes but is not limited to
Commercial and Consumer banking, Asset
Finance, Trade Finance and other credit related
products, Credit Analysis, Remedial Management,
and Legal including Credit documentation.
• Assess and advice on the internal control systems
and risk in all Credit and Legal areas of the Bank
including review of the suitability and reliability of
management information systems.
• Oversee and provide quality control of Credit and
Legal internal audits and ensure goals are met and
professional standards maintained.
• Coordinate Credit and Legal related activities
together with Enterprise Risk and Compliance
Page 2 of 5
including risk assessment and audit findings
tracking and provide input to the management
committee.
Audit
Management &
Execution
35% • Develop audit tests and evaluation programs,
execute the audit assignments, ensuring quality
and report on the audit results under the direction
of the Head of Audit.
• Lead audits of specific target areas identified from
the overall risk assessment in consultation with the
Head of Audit to ensure quality audit approach,
achievement of set audit objectives and
completion within agreed schedule.
• Guide/undertake consulting activities, as may be
requested, in accordance with professional
standards and provide sound advice on policies,
procedures, risks and controls.
• Provide advice and effective challenge to internal
stakeholders regarding the implications on the
Credit and Legal control environment on business
strategy and operating environment.
• Undertake to assist in investigation of cases of
internal and external fraud, as requested.
Internal business
processes
20% • Strong collaboration with other lines of defence to
provide integrated assurance.
• Review procedures, processes and records to
ensure they are in line with the Bank objectives
and appraise policies and plans of activities,
departments and functions under audit review.
• Manage and align assignment resources, efforts
and goals; identify and remove barriers in order to
achieve optimal results.
• Oversight over audit assignments and plans,
schedule and review of work-papers.
• Liaise with external auditors and other regulatory
monitoring agencies and implement
recommendations to improve controls, promote
growth and ensure compliance with the law,
financial legislation and regulatory framework.
Customer 10% • Strong relationships and communications with
Senior management to ensure concerns are
addressed and expectations met.
• A unified view of Credit and Legal risks and
compliance to drive informed decisions.
• Liaise with departmental heads to ensure audit
findings and recommendations are fully accepted
and implemented.
Page 3 of 5
Learning and
growth
10% • Quality of leadership experienced throughout the
unit and how effectively that translates into a
conducive work environment and employee
satisfaction and retention.
• Adequacy of personal and staff competence
development to effectively carry out the
department’s responsibilities.
• Review regularly performance of staff against
agreed objectives.
• Provide ongoing coaching and feedback to direct
reports.
• Identify development and training needs and
develop plans to satisfy areas identified.
Job Dimensions
Reporting Relationships: jobs that report to this position directly and indirectly
Direct
Reports 5
Indirect
Reports –
Stakeholder Management: key stakeholders that the position holder will need to
liaise/work with to be successful in this role.
Internal
• Departmental Heads – for guidance
and solutions to emerging problem
areas
• Senior management
External
External auditors, CBK inspectors – for
clarification and support
Decision Making Authority /Mandates/Constraints: the decisions the position holder is
empowered to make (Indicate if it is Operational, Managerial or Strategic). Please
also highlight any budgetary control responsibility if applicable for the role.
• Giving guidance and advice on the impact of non-compliance with controls and
statutory regulation on the Bank.
• Departmental budget as approved.
Work cycle and impact: time horizon and nature of impact (Planning)
(e.g. Less than 1 week, 2 weeks, 2 weeks – 1 month, 1month – 3 months, 3-6 months, 6-
12 months, above 1 year)
• Annual Credit and Legal audit plans
• Quarterly and Monthly reporting targets
Ideal Job Specifications
Academic:
Page 4 of 5
Ideal Job Specifications
â–ª A University graduate
▪ Master’s degree will be an added advantage
Professional:
â–ª CPA (K)/ ACCA qualifications
â–ª CIA qualification an added advantage
Desired work experience:
▪ 6 years’ experience of auditing or enterprise risk management in an external
audit/ Banking environment.
â–ª Good working knowledge of the TeamMate audit software and ACL Data
Analytics.
NCBA Bank Core Values Value
DRIVEN We are passionate, make bold decisions and learn from our failures.
We seek new challenges and appreciate different views constantly
raising the bar. We explore our full potential.
OPEN Our interactions are candid, honest and transparent. We listen to
each other and our clients. We are inclusive and always respect
each other.
RESPONSIVE We are proactive, act quickly and resolutely to deliver results. We put
our customer’s interests at the heart of all that we do. We keep it
simple and seek new ways to improve.
TRUSTED As a trusted partner we do what is morally right always. We keep our
word. We are accountable and believe in each other.
Ideal Job competencies
Page 5 of 5
Technical Competencies
â–ª Risk Management: Ability to anticipate and mitigate risk by
developing appropriate Risk Management
recommendations.
â–ª Audit Standards and Legislations: Excellent knowledge of
International Accounting and Audit Standards, and
Legislations
â–ª Compliance and Regulatory Framework: Good
understanding of the regulatory issues, reporting and
operational requirement as provided by CBK, CMA, KRA
etc.
â–ª Conceptual and Analytical Skills: Ability to quickly grasp
and understand systems and keen to detail
â–ª Technology Skills: Knowledge of computerized Internal
Audit Techniques, Computerized accounting and
financial systems, banking applications and spreadsheets
Behavioural Competencies
â–ª Results and Achievement Oriented: strives to achieve results,
enjoys measuring others, being measured, and being
judged on performance standards and those of others he
leads
â–ª Personal Ethics: Must be honest, fair, just but firm with himself,
and of high integrity
â–ª Negotiation Skills: Must be a good negotiator, particularly in
changing behaviour and work practices but always Win/Win
â–ª Communication and Interpersonal Skills: well developed oral
and report-writing skills, ability to work with, lead and build
motivated teams
â–ª Human Resources Management Skills: Leadership Skills,
Team Building and ability to train, develop and mentor staff
