Elizabeth Karanja Email and Phone Number

• Oversee the development and implementation of strategy for vehicle asset and Insurance Premium finance (IPF)of the business. • In charge of the revenue generation for the bank this includes setting up budgets and targets for the team and facilitating the delivery of the targets.• Manage the marketing to existing and potential clients the full complement of products and services offered by the Bank. • Train and offer advisory services to the Relationship Managers and other… Show more • Oversee the development and implementation of strategy for vehicle asset and Insurance Premium finance (IPF)of the business. • In charge of the revenue generation for the bank this includes setting up budgets and targets for the team and facilitating the delivery of the targets.• Manage the marketing to existing and potential clients the full complement of products and services offered by the Bank. • Train and offer advisory services to the Relationship Managers and other departments.• Maximize the productivity of the Asset and Insurance team whilst minimizing portfolio risk through active portfolio credit management and support/coaching on complex transactions.• Develop and implement promotion programs to accelerate business growth. • Liaise with key operational functions to ensure client service delivery on agreed benchmarks.• Prepare sector reports as part of market assessment/business screening.• Follow up with Insurance Companies to ensure timely payment of refunds on cancellation of Insurance Premium Finance facilities.• Implement processes and procedures that ensure on-going compliance with requirements of relevant risk management systems and policies for Asset Finance and Insurance Premium Finance line of business. Show less

• Maximize and meet the banks projected revenue by strengthening dealer and customer relations.• Ensure comprehensive credit analysis and adherence to the lending standards set by the bank before signing loans off to the credit department.• Maintain and enhance relationships with key customer accounts and prospective customers to ensure business continuity and growth. • Collate and resolve customer problems and act as a liaison with other departments, divisions and subsidiaries in… Show more • Maximize and meet the banks projected revenue by strengthening dealer and customer relations.• Ensure comprehensive credit analysis and adherence to the lending standards set by the bank before signing loans off to the credit department.• Maintain and enhance relationships with key customer accounts and prospective customers to ensure business continuity and growth. • Collate and resolve customer problems and act as a liaison with other departments, divisions and subsidiaries in managing the customer’s relationship with the bank. • In consultation with the human resource department recruit, train, coach, mentor and manage the team members.• Monitor risk and actively ensure compliance with the Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures.• Liaise with the credit officers and foresee that the structures are in line with the banks standards while working closely with the internal and external legal counsels on facility and documentation.• Manage relationships with Corporate Relationship Managers, Business Development Managers and branches to drive adoption of asset finance products and offer the necessary support.• Provide training to dealers on a regular basis on various aspects of asset financing such as processing and documentation. Show less

• Provide direct (specialist/professional) credit evaluation advisory service to business functions and branch sales staff.• Identify credit, risk and compliance requirements during deal negotiation/business proposal.• Credit review and approval/decline of Retail loans (Asset Finance, Retail Mortgage loans, Unsecured personal loans, Credit and Salary Advance cards, Term loans, Unsecured Business Loans, Micro Loans and Overdrafts.) • Conduct credit evaluation interviews during… Show more • Provide direct (specialist/professional) credit evaluation advisory service to business functions and branch sales staff.• Identify credit, risk and compliance requirements during deal negotiation/business proposal.• Credit review and approval/decline of Retail loans (Asset Finance, Retail Mortgage loans, Unsecured personal loans, Credit and Salary Advance cards, Term loans, Unsecured Business Loans, Micro Loans and Overdrafts.) • Conduct credit evaluation interviews during appraisal to obtain sufficient and appropriate information to evaluate business risk, and deal variability, from a credit risk perspective.• Decline non-viable deals, however, works in partnership with Relationship Manager and client to identify alternatives that could bring the deal/proposal within acceptable parameters relative to profitability.• Recommend facilities above own limit in line with risk evaluation.• Monitor relationships on a day to day basis to ensure good customer service and the maintenance of Service Level Agreement (SLA).• Network and run support from relevant departments/functions supported to ensure high customer service standards. Show less

• Set up the asset finance department and ensure that it is operational i.e develop the concept paper, strategy, policy, procedures and processes, budgets, products and training of staff.• Comprehensively appraise and review secured and unsecured loans, overdrafts and other loans above Kshs.3 Million.• Develop and review asset finance products in liaison with the other National banks products and periodic competitor analysis.• Promote a customer-centric culture through systems… Show more • Set up the asset finance department and ensure that it is operational i.e develop the concept paper, strategy, policy, procedures and processes, budgets, products and training of staff.• Comprehensively appraise and review secured and unsecured loans, overdrafts and other loans above Kshs.3 Million.• Develop and review asset finance products in liaison with the other National banks products and periodic competitor analysis.• Promote a customer-centric culture through systems, collaborations with other departments and management of employee performance to ensure customer satisfaction.• Make certain that the risk and compliance policies are adhered to.• Prepare credit reports for board presentation and compile reports for follow-up by the debt management team. Show less

• Perform portfolio risk assessment analysis –analyze risk, determine asset quality and identify asset credit concentration.• Make certain that the department and team members are compliant with all credit processes and procedures applicable to the bank and regulatory framework.• Problem solve queries and complaints ensuring that, when necessary, corrective action is taken by the credit department.• Complete necessary monitoring and reporting as required.• Ensure the smooth and… Show more • Perform portfolio risk assessment analysis –analyze risk, determine asset quality and identify asset credit concentration.• Make certain that the department and team members are compliant with all credit processes and procedures applicable to the bank and regulatory framework.• Problem solve queries and complaints ensuring that, when necessary, corrective action is taken by the credit department.• Complete necessary monitoring and reporting as required.• Ensure the smooth and efficient workflow within the credit department. Seek out more efficient processes and workflows.• Effectively communicate bank philosophy, strategic plan and goals with department staff. Show less