- Managing a team of six credit administration staff.- Reduced portfolio at risk from 12% to 3% by introducing credit analysis, and grew loan book from KES 800,000 in 2016 to KES 2.1 billion in 2019.- Accelerated loan processing turnaround times from a week to a day after booking into the system, eliminated errors, and cut costs by piloting the digitization of the loan/credit lending process.- Broadening competence levels of staff by facilitating regular trainings to 230 loan officers across 48 branches.- Fostering an ethical and compliant organization through introduction of social performance management, with heavy emphasis on protecting client interests and sustainability of the institution.- Maintaining robust credit administration and control structures with oversight on the implementation of credit administration policies, processes, and procedures. - Handled collections by profiling loans in accordance with the delinquency policy, successfully bolstering collection efforts and minimizing loan loss provisions.- Keeping credit policies and practices current by reviewing and refining the credit lending policy manual to adhere to emerging market issues and government regulations.- Strengthening customer relations through efficient management of inquiries and issues from internal and external customers.- Developing and generating routine, periodic, and ad hoc reports for submission to the Chief Credit and Risk Officer. - Raising overall output through talent development and management – coaching, mentoring, and motivating staff, with a staff member successfully securing promotion from Credit Analyst to Senior Credit Analyst.- Serving as Secretary to the Board Credit Committee, presenting loans over KES 3M to the Committee.- Deputizing the Chief Credit and Risk Officer, managing staff (Legal Officer and Collection Manager) and loan approvals.

- Maintained and updated the credit lending policy and procedures manual in compliance with emerging market and regulatory trends.- Introduced individual loans which accounted for 40% of OLB (online banking) revenues.- Strengthened loan portfolio quality with thorough analysis of loan applications, client site visits, and assessment of charged/pledged collateral to determine clients’ creditworthiness.- Enhanced strategic lending-related decisions by participating in key credit committees and presenting credit proposals to the committee.- Served as key liaison to branches, providing timely feedback on files presented to the Head Office for credit approval.- Revised performance by training and reviewing performance of branch credit committees and delivering credit trainings to two interns.

 Providing quality service to internal customers through undertaking assessment,analysis of various types of lending proposal Analysing financial information,such as statement,business assessments,management accounts and cash flow statements of the loan application Continous monitoring of the assigned portfolio and providing feedback on the emerging trends Assessing the credit worthiness of client ,companies and business Ensuring that procedure comply with credit policy Handling unit/branch queries related to loans and refunds Loans and savings reconciliation Assisting in other jobs assigned in the company

 Updating the cashbook i.e the receipts of bank deposit and creditors payment using pastel Bank reconciliation Preparing cash dash board for various deports Preparing of creditors payment plan Updating stock on a daily basis Writing cheques