- Heads Credit monitoring & controls and MIS reporting for Credit division - Responsible for statutory reporting to Central Bank for monthly and all credit related reporting - Review credit reporting to the executive committee and the board committee - Responsible for MIS reporting for all credit departments – Credit collections, credit analysis and all business segments - Liaison with finance reporting for provisioning data and finance reporting - Lead liaison with internal and external audit - Credit Reference Bureau (CRB) reporting and liaison with collections teams to address customer related issues - Review credit system upgrade and system requirements for all credit related automation and business intelligence (BI) tools - Conduct periodic credit policies and framework reviews

The role involves monitoring and implementing controls in credit portfolio across Corporate, Retail, Business and Islamic Banking segments. This involves;CREDIT MONITORINGa) Facilitate early alert meetings for all 4 business segments monthlyb) Manage provisions process in line with prudential guidelines which involves application of discounting of securities and gradingc) Implementation of a credit covenant tracking and risk triggers systemd) Prepare and review of Executive Credit Committee reports for monthly presentatione) Tracking valuation and insurance for renewalf) Ensuring Credit and Debit limits are managed and not violatedg) Manage utilization of limits and ensuring limits are reviewed in advance to avoid expiry and droppingh) Review returns to Central Bank with finance department including loan book, recoveries, write offs, (KBRR) returns and Local and Foreign Currency loan booki) Ensure accurate computation of delinquency, grading and Portfolio at Riskj) Ensure no unauthorised cheque paymentsk) Prepare and review delinquency reports for all business at BusinessesCREDIT CONTROLa) Track and review violations /deviations from the Credit Policy, processes andproceduresb) Ensure physical verification of facility agreements are according to the approvalsthrough reviewing Credit Applications, Letter of Offers and approval terms & conditionsc) Check exceptions on approval and disbursements e.g. interest rates, facility type, tenor and disbursed amountd) Review and confirm compliance checklist for disbursements of large facilities above Kes 50 millione) Ensure disbursements are strictly according to approval. e.g. opening of trading linesshould be against confirmed orders.f) Check First Instalment Defaults (FIDs) and ensure closure from the business withinthe first month of default.g) Ensure escrow accounts are opened as per approval terms and conditions.h) Ensure securities released are upon full settlement of the customer’s loans.

Basel II Corep ReportingPreparation, analysis and reporting on COREP on a monthly basis through liaisingwith the Basel II project team and Finance department for capital breakdown intoindividual components split between core and supplementary capital for the groupand subsidiaries and Risk Weighted Assets (RWA) for all asset classes.Risk Appetite and Sector Concentration PoliciesI was in the transformation team charged with the responsibility of developing,implementing, monitoring and reviewing Risk Appetite and Sector Concentrationpolicies for the bank. Analysing Bank’s strategic plan, business segment plans,portfolio performance and concentrations, business financials and strategies, portfolio outliers and key assumptions relating to lending risk.Stress Testing FrameworkI was charged with defining stress scenarios and sensitivity analysis for stress testingframework and indicating recommendations to mitigate risks that might arise from adverse scenarios.Economic FundamentalsMonitoring economic environment, earnings volatility and evolving capital regulationsfrom Central Bank, Basel II capital requirements and the Bank’s internal capitalbuffer and targets.ReportingReporting to the Head, Lending Risk and senior management on Group enterprisewide risks for all portfolio types, quality of loan book and identify specific risk itemsto be addressed and give recommendations and ensure alignment with Basel IIframework.Policy ReviewsReviewing Credit Risk Management Framework and credit policies annually

Basel II ReportingI was involved in brainstorming and requirements collection for Basel II Calculation &Reporting Solution (BCRS) project in South Africa for Credit RiskMaintaining mappings for Basel II reports for South Africa as advised by the Basel teamRunning procedures in SQL to spool data from surrounding TPS for Basel ReportingAssisted South African Reporting Manager in reporting Basel II dataRecnciliationof each TPS balances and report any inconsistencies to Africa Finance Systems DepartmentAsset Liability Management Analysis ToolI developed an ALM (Asset Liability Management) analysis and presentation tool for14 countries across Africa.This was an automated data extraction and analysis report developed on SQL server database and Excel macros. The tool analyzed the sources and uses of funds at panbank level and automatically presented in graphs and charts the top localand foreign depositors, loans and advances, and month on month movements andtrends indicating new entrants and exitsMIS for Finance Hub – Reporting DepartmentI extensively used SQL for queries and Macros for report design and generation and automating processesI was involved in process review and automation of repetitive processes and workedclosely with Africa Finance System (AFS) department and Africa Region Office (ARO)I designed and maintained financial templates for management actual reporting,budget and forecast reporting for Consumer Banking, Wholesale banking and Costsreporting across Africa in 14 countriesI maintained mappings for Costs, P&L and Balance sheet as advised by country financeI assisted Reporting Managers during monthly actual reporting, forecast and statutoryreporting.I run daily integrity checks to ensure data from the surrounding TransactionProcessing Systems (TPS) was correctly spooled to the SQL data warehouseI assisted in validating and loading actual, forecast and statutory reports to groupfinance

I worked as a contractor on financial reporting projects at Standard Chartered Bank inAfrica Region Office (ARO)I was a member of a team charged with responsibility of designing Tax Returns systemfor Standard Chartered Country FinanceI was in a team at Coca Cola with the responsibility of designing Financial Reportingand Budget templates for Finance DepartmentI was in a team at Nation Centre - Business Daily - in redesigning their website toinclude real time data feed from Nairobi Stock Exchange