Experience

KIMISITU SACCO LTD

• Financial Services
• 1 - 100 Employee

• Sinior Credit Officer

  • Jul 2016 - Present

  • Review of business and Check off loans applications and proposals to ensure that the loans are in line with the society’s financial policy guidelines and procedures.• Appraising applicant’s financial status and credit evaluations to determine feasibility of granting loans.• Ensuring timely loan disbursements, accounts reconciliation and monitoring of business loans repayment.• Security perfection of both property and Motor vehicle and ensure safe custody of the charged securities.• Preparing timely and accurate departmental reports and supervision of loans staff team.• Member loans applications approvals.• Ensuring that the staff follow the organization’s policies and procedures and in all credit applications.• Liase with service providers to ensure accuracy and efficiency. Ie Lawyers, Valuers, debt collectors and tracking companies. • Follow up of insurance claims for time payments.• Marketing Sacco products to both prospective and existing customers.• Handling customer complaints and take appropriate action to resolve them.



Faulu Microfinance Bank

• Banking
• 700 & Above Employee

• Credit Administration Officer

  • Jun 2013 - Jul 2016

  Roles and Responsibilities• Management of one day arrears for all disbursed loans within the institution. • Continuously track and report on the loan recovery progress for all loans in arrears. • Prepare weekly arrears reports for all the branches and follow with them to ensure full repayment. • Verify all loan applications with the employers to confirm the authenticity and ability.• Posting of all customer refunds for excessive deductions within the required timelines.• Ensure that all consumer loans disbursed are fully recovered in order to maintain a quality portfolio.• Collect payment schedules from relevant employers in time to facilitate loan recovery for all disbursed loans.• Reconcile payments received against expected installments and re-advice the employers in case of discrepancies immediately.• Follow up with the branches to ensure fulfillment of ALL Consumer MOU sanction conditions and other covenants prior to disbursement of the facilities• Recommend policy reviews for customer service and risk management improvement based on experiences and industry trends



KCB Bank Group

• Kenya
• Banking
• 700 & Above Employee

• Direct Sales representative

  • Jan 2013 - Jun 2013



Ministry of industralization

• Kenya
• Government Administration
• 1 - 100 Employee

• Finance Department Intern

  • May 2011 - Sep 2011



Mutonguni ADP

• World Vision Kenya

  • Jul 2008 - Aug 2008