Daniel Nderitu Email and Phone Number
➡️ WHO I AM:With over 17 years as an underwriter, finance, analyst, credit manager and risk director in a range of business sectors, always driven to balance solid risk management with supporting commercial growth. My results show that I advance organizations to exceed their financial goals by executing credit operations, leading teams of diversity, and facilitating superior customer relationships of complexity. ▶️ WHAT I DO:I add value to an organization as a versatile team builder with an exceptional ability to plan and implement cash and credit management procedures that achieve department-unique and organization-wide goals. My relationship management and communication proficiency help me interface closely with Sales to help regional and branch managers determine account worthiness, risk, account activity, escalation issues, etc.▶️ HOW I DO IT: I am proficient with a wide range of transaction sizes & types, be that small-ticket / SME flow business, mid-range commercial funding, multi-national facilities, public sector lending, structured finance, scorecard driven, new start ventures or high-risk investments. I have a proven history of solid analysis and concise reporting in individual counterparties, business portfolios, market sectors or country level risk. ▶ HOW I CONTRIBUTE TO TEAM GOALSI am team oriented, and can provide leadership or take a senior role in a team. I am flexible, reliable and have a good sense of humour, all of which I believe are essential for success especially in today's "new" working environment. ▶️ THE BOTTOM LINE . . . I DELIVER.☛ Introduced key monitoring covenants and redesigned monitoring rhythms for some key NPL customers. This has resulted to more collections into the escrow accounts and better account planning by the RM, and consequently, upgraded NPL accounts to performing category.☛Revised the Leasing/Asset Finance financing structure for PSV matatus Saccos and Companies, resulting in enhanced monitoring and quality loans, consequently reducing the subsector PAR from over 20% to below 5%.▶️ SPECIALTIES:✏️ Corporate Finance✏️ Risk Management✏️ International Trade✏️ International Management✏️ Project Management ✏️ Account Management✏️ Insurance solutions ✏️ Project Management▶️ Technical Skills🔷 Microsoft Office 365, SAP R/3, MFG PRO, Oracle 11i, Getpaid, CVG, Sharepoint, Visio.🏫 Integrity and ethics are non-negotiable core values.Why do tomorrow, what you can do today?☑ Let's Connect🤝 Send me a connect request-or-📧 lilianwanjiku93@gmail.com-or-👉 Shoot me a message
Co-Operative Bank Of Kenya
View- Employees:
- 2807
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Acting Head, Corporate Credit AnalysisCo-Operative Bank Of Kenya May 2023 - Present▶️ Key Achievements:🏆 Introduced key monitoring covenants and redesigned monitoring rhythms for some key NPL customers. This has resulted to more collections into the escrow accounts and better account planning by the RM, and consequently, upgraded NPL accounts to performing category.🏆 Championed the formation of cross-functional sandbox/task force which developed Open Tender System (OTS) financing structure and product program for the importation of refined petroleum products through a Government to Government (G2G) Framework.🏆 Identified training needs for my team and successfully managed facilitation of 2 trainings - ESG Risk identification and mitigation and leasing product financing.🏆 Growing a quality corporate banking and Co-operatives asset book with a PAR >1%.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results✦ Reviewing credit proposals analyzed by the analyst, supporting and making a decision as per the delegated authorities.✦ Presenting the approved cases above the divisional delegated authority to the weekly BOM credit committee for consideration and approvals.✦ Chairing and co-ordinating Early Alert meetings in discussion of accounts showing early warning signs of deterioration to ensure candid actions(Short term, Medium term and Longterm Levers) are taken early before the account go bad.✦ Participating in credit-war room particularly for NPL accounts (Grade 3, 4 and 5) to provide the best remedial structure and actions toward ensuring account is performing or recommend recovery/realization measures.✦ Providing oversight on implementation of Project Kilele quick wins within the departments which includes Implementation of end-to-end Loan origination and covenant tracking system/Peripheral system & utilization of NPV model for credit decisioning.
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Corporate Credit ManagerCo-Operative Bank Of Kenya Aug 2018 - May 2023Nairobi County, Kenya▶️ Key Achievements:🏆 Redesigned and improved Loan appraisal template for Corporates and Co-operatives. The new template captured critical risk elements to be evaluated which were missing in the previous one. This included Environmental & Social Risks-Currently ESG risks missing in the previous template.🏆 Revised the Leasing/Asset Finance financing structure for PSV matatus Saccos and Companies, resulting in enhanced monitoring and quality loans. This consequently reduced the subsector PAR from over 20% to below 5%.🏆 Championed and instituted a cross functional sandbox/task force which reviewed Agriculture lending products and review of lending process flow for specific Agri-products. This resulted to the growth of Agri-business Dept quality asset book by 100%, from Kes 2.5B to over Kes 5B.🏆 Trained over 100 Business bankers and Relationship Managers on credit risk evaluation. This culminated to quality loan origination and rework rate reduction by about 45%.🏆 Chaired Early Alert meetings for Co-operative Division which I championed clear action points to facilitate post approval monitoring and credit risk control which supported achievement of reduction in the PAR and NPL ratio to below 5%, as at March 2023.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results✦ Evaluated whether Business and Commercial Banking proposals met sound business criteria and credit risk falls within acceptable parameters.✦ Approved and recommended appropriate credit facilities including terms or conditions of facilities to Head-Corporate Credit Analysis Department.✦ Assessed and evaluated credit facilities (new and/or existing) based on sound credit & financial principles which supported the minimizing of risk to the bank.✦ Identified and mitigated risk and provided recommendations to the relevant credit authority forsanction/decisioning.
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Corporate Credit AnalystCorporative Bank Of Kenya Jan 2015 - Aug 2018Kenya▶️ Key Achievements:🏆 Developed Sacco Risk Grading/scoring matrix (CAMEL rating framework), which has supported in determining the stability of the Sacco and assisted in decision making in terms of pricing and security requirement.🏆 Designed specific Mortgage project risks analysis checklist, making it easier for other analysts to evaluate mortgage proposals.🏆 Championed efforts that culminated to the creation of credit reports to support credit analysis-eg. Transaction listing report and monthly account turnovers report. This resulted to increased efficiency and meeting set target in TAT.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results✦ Analyzed and structured Corporate and Trade Finance facility requests and Retail Business Banking applications and prepared credit decision recommendation summary for approval.✦ Assessed and evaluated credit facilities (new and/or existing) based on sound credit & financial principles which supports the minimizing of risk to the bank.✦ Identified and mitigated risk and provided recommendations to the relevant credit authority forsanction/decisioning.✦ Conducted regular market research on the new products, industry practices and any other developments with high potential impact on lending.✦ Reviewed segment product papers and highlighted risks and opportunities pertaining to thesame for sanction/decision.
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Credit Analyst- Co-OperativesCorporative Bank Of Keny Oct 2012 - Dec 2014Kenya▶️ Key Contributions & Results✦ Analyzed Saccos and Agribusiness Co-operatives credit proposals i.e term loans, Overdrafts, Leasing facilities, Mortgages, Asset Finances, Trade Loans etc.✦ Prepared credit approval summaries for consideration & approval by various delegated authorities based on limits.✦ Ensured compliance with Bank credit policies, prudential guidelines and other Governmentregulations.✦ Maintained accurate, timely & complete reports relating to Saccos and other Co-operativesloan applications, decisions, TATs, covenant tracking etc.
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Assistant Relationship OfficerCorporative Bank Of Kenya May 2007 - Sep 2012Kenya
Daniel Nderitu Education Details
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Bachelor’S Degree In Agribusiness Management -
The Chartered Institute Of Bankers In ScotlandDiploma In Credit
Frequently Asked Questions about Daniel Nderitu
What company does Daniel Nderitu work for?
Daniel Nderitu works for Co-Operative Bank Of Kenya
What is Daniel Nderitu's role at the current company?
Daniel Nderitu's current role is ▶️ Corporate Credit Manager ⭐ Head, Corporate Credit Analysis ⭐ Credit Risk Management ⭐ Credit evaluation Analysis ⭐➡️ Fueling business objectives through effective credit analysis & management processes.
What schools did Daniel Nderitu attend?
Daniel Nderitu attended Egerton University, The Chartered Institute Of Bankers In Scotland.
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Daniel Nderitu
Daniel Nderitu | Data Analyst | Data Entry Specialist | Data Visualization | Excel | Sql | TableauNairobi -
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