Experience

• 

  ABC Bank Group

  • Kenya

  • Head of Credit Risk

    • Dec 2022 - Present
    • Kenya

    Overall purpose of the role:To provide overall leadership to the Credit Risk staff and manage all aspects of Credit Risk in order to deliver acceptable levels of quality of loans and advances and provide high quality services within the agreed service levels.Duties: Asses all credits to ensure that the Bank makes the best decisions in its interest so as to minimize the risk of loss Manage credit approval process by recommending suitable discretions  Ensure Credit Risk/Business partnership is effective and maintained for the benefit of the Bank by advising business on all matters relating to Credit Risk Support Head of Credit in developing and review of Credit Strategies for the Bank  Approve or recommended for approval facilities as per discretionary limits set from time to time Carry out market intelligence on risk and products and participate effectively in all product development initiatives that touch on Credit Support Business in growth of loans and advances to within desirable levels Support the Debt Recovery Unit to ensure that requests relating to delinquent facilities e.g. interest stoppage, restructuring and refinancing, are processed in good time. Improve credit process by adopting and developing best practices Work closely with the Legal and the Credit Administration Department to ensure that timely due diligence and security perfection is done, and that all post sanction conditions have been met prior to disbursement of facilities.  Review of new regulations affecting the industry Ensuring that Board and Management reports/papers are completed on time Managing audit and compliance Establish and agree performance targets for all staff in the Department Monitor proper asset classification and provisioning of loans and advances  Ensure training programs are in place for Credit staff Ensure appropriateness of staffing levels and talent hiring within the department Monitor achievement of service levels and agreed TATs

• 

  Co-operative Bank of Kenya

  • Nairobi

  • Manager Business Banking Credit Analysis

    • Aug 2006 - Dec 2022
    • Nairobi

    1. Maintain quality loan book by ensuring that the business loans analysis team exhaustively analyzes credit applications in line with bank’s credit policy and prudential guidelines.2. Oversee the business loans credit analysis team to ensure that applications received are processed in a timely manner as per the laid down service level agreements.3. Evaluation of financial and non-financial information and approval of loans within a delegated approval limit.4. Participate in formulation of credit policies.5. Training, coaching and mentoring of the analysis team and the frontline staff.