Experience

• 

  Centum Investment Company Plc.

  • Nairobi

  • Credit Analyst

    • Apr 2019 - Present
    • Nairobi

    Supporting all credit management and analysis functions within Centum leasing business in-order to minimize exposure on credit risk and ensure quality of underwritten leases.

• 

  Sidian Bank

  • Kenya
  • Financial Services
  • 500 - 600 Employee

  • Credit Risk Analyst

    • Nov 2017 - Mar 2019

    Skilled in comprehensive preparation and analysis of credit proposals for clients whose borrowing exceeds KES. 30 Million and/or balance sheet is above KES. 100 Million for presentation to the Board Credit Committee.-Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, change requests, refinancing, annual due diligence and KYC analysis.- Provide recommendations tied to analysis and assessment of credit risk and structuring of credit proposals to suit the needs of the customer.- Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay- Knowledge of the company’s lending policies and protocols.- Reconcile credit files and identify discrepancies and variances.- Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.- Conduct client visits to get a first-hand view of the client’s business.- Manage portfolios of existing clients and give regular reports on their performance.- Working directly with the Credit Risk Department and top management to develop viable credit policies and continually update the credit risk framework.

  • Credit Risk Officer - Debt Recoveries

    • Mar 2017 - Oct 2017

    Gained requisite skills in:1. Recovery of Non-Performing Loans (NPLs) from allocated portfolio(s) within all sectors of the bank. 2. Formulating strategy(ies) on ensuring a positive status of the accounts allocated back to performing status, full recovery or exit. - Debt Collection. - Proactive identification and arrest of defaulted loans and restrict monthly loan provisions. - Ensuring loan provisions do not to exceed set budget. - Propose re-structuring, re-scheduling and re-aging of distressed accounts.- Recovering debts by constantly calling, sending SMS’s, demand letters and e-mails to customers as well as issuance of statutory notices and security repossession instructions.- Tracking, documenting, adopting collection and recovery strategies to allow early detection of problematic accounts.- Timely follow-up with the Legal team and external agents on relegated cases. - Promptly attending to customers’ requests and queries. - Clean-up of the debt book by making relevant recommendations for approval.

  • Credit Risk Analyst

    • Sep 2014 - Feb 2017

• 

  Zeepo Limited

  • Nairobi, Kenya

  • Teller

    • May 2014 - Aug 2014
    • Nairobi, Kenya

    - Accept deposits and facilitate withdrawals.- Ensure sufficient float and adequate cash in the safe at all times.- Reconcile the books every evening.- Responsible for opening and closing of the branch.- Maintaining the highest level of confidentiality with information obtained from clients.- Cashing cheques from customers.- Conclusively solving to customer queries.

• 

  Sukuul E-Learning Outsource

  • Nairobi, Kenya

  • Internship Trainee

    • Jan 2014 - Apr 2014
    • Nairobi, Kenya

    - Ensuring successful online enrolment of students applications.- Uploading revision material for students.- Data entry of key information for the organization.

• 

  Infotrak Research and Consulting Company

  • Call Centre Intern

    • Jun 2013 - Dec 2013

    - Performing telephone interviews to interested candidates.- Data entry of key information for the organization.- Data analysis of reports.