Experience

Commercial Bank of Africa (CBA Group)

• Kenya
• Banking
• 1 - 100 Employee

• Manager Credit Analysis, BB & PB

  • Jun 2012 - Present

  In this role I am in charge of a team of credit Analysts as well as assessing the creditworthiness of clients, minimizing debt losses, increasing sales, investigating credit applications, managing corporate financing programs, and maintaining the corporate credit policy. In this role I am in charge of a team of credit Analysts as well as assessing the creditworthiness of clients, minimizing debt losses, increasing sales, investigating credit applications, managing corporate financing programs, and maintaining the corporate credit policy.



Housing Finance Group

• Assistant Manager, Credit Analysis

  • Mar 2009 - May 2012

  Key Achievements; • Developed the Diaspora Lending Policy and Diaspora Products to address emerging trends.• Changed the SME Lending Policy to incorporate small business and defined how the analysis would be done.• Re-branded Housing Finance's children's account to Treasure account by signing in 4 new partners to extend discounts. This led to growth in the number of accounts opened by 25%.• Participated alongside senior managers in the development of Housing Finance's 5 year strategy by carrying out surveys on existing customers so as to redefine their needs with new services and products.Key role;• A key member of Lending Committee, Coordinate compiling of Management and CBK reports following prudential Guidelines issued by the Central Bank of Kenya.• Perform Training to staff on loan processing.• Credit Representative to the Innovate Team that reviews or sets up new products for the bank.• Approve recommended cases by analysts and support credit analysts in the appraisal process.• Regularly attended monthly lending committee meetings to defend recommended cases with a average success rate of 100% percent.• Reviewed significant amounts of credit analysts tasks while training and coaching them to improve performance.• Continuously reviewed and improved the appraisal process and systems as well as the lending policy and credit manual.• Performing mid-year and end year performance reviews for a team of 6 Credit Analysts.• Liaise with Risk Division to ensure the credit manuals and lending policy are within the prudential guidelines and regulatory requirements.• Perform continuous training of a team of 18 relationship managers on the appraisal process.• Deputizing and collaborating with the credit manager to assist in decision making and approving administration tasks in his absence Show less

• Senior Credit Analyst

  • Jan 2007 - Feb 2009

  • Appraised the ability of an average of 40 clients per month to service the mortgage loan.• Continuously reviewing and improving appraisal processes and systems to increase efficiency and turn around time.• Improved the loan application turn-around time by 2 days by ensuring the completeness of loan application forms by the relationship management and business development teams.• Instructed and liaised with advocates on perfection of security documents • Involved in the process of reporting insurance declarations, Disbursing funds, preparing management reports for Lending Committee.• Sending customer's instructions to their banks for standing orders and enforcement of the same.• Improved the performance of a team of 5 clerical Staff, which includes creation of loan in the system, registers, letters, and vouchers etc. by reviewing their tasks and giving prompt feedback.• Reviewed a mortgage portfolio worth Ksh. and ensured high mortgage performance.• I also prepared monthly report based on products, exceptional approvals and sector. Show less



Merrill Lynch

• United States
• Financial Services
• 700 & Above Employee

• Senior Fund Accountant

  • Sep 2003 - Jul 2006

  In this role I provided financial advice and services to private and corporate clients about a range of investment matters, including buying and selling investment trusts and shares or bonds, to help these clients invest their money in the best places.

• Accounts Service Representative

  • Jan 2002 - Sep 2003

  In this role I was tasked with attracting potential customers by answering product and service questions; suggesting information about other products and services. Process orders, prepare correspondences and fulfill customer needs to ensure customer satisfaction.



Northwood University

• Higher Education
• 500 - 600 Employee

• Administrative Assistant

  • Sep 2000 - Nov 2001

  I provided administrative support to ensure efficient operation of the office. I supported managers and employees through a variety of tasks related to organization and communication. I was responsible for confidential and time sensitive material. I provided administrative support to ensure efficient operation of the office. I supported managers and employees through a variety of tasks related to organization and communication. I was responsible for confidential and time sensitive material.



Kigathi & Associates

• Nairobi, Kenya

• Accounting/Audit Associate

  • Oct 1999 - Aug 2000

  I provided administrative support to accountants, undertaking clerical tasks such as typing, filing, making phone calls, handling mail and basic bookkeeping. ... Preparing statutory accounts. Calculating and checking to make sure payments, amounts and records are correct. I provided administrative support to accountants, undertaking clerical tasks such as typing, filing, making phone calls, handling mail and basic bookkeeping. ... Preparing statutory accounts. Calculating and checking to make sure payments, amounts and records are correct.