Judy Karanja Email and Phone Number
Judy Karanja work email
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Judy Karanja personal email
➡️ WHO I AM:I am a dedicated and successful banker with over 8 years of counterparty credit risk management experience combined with strong business acumen gained through working in different sections in a bank. I have been active in Credit Operations and Credit Risk Management for the largest part of my career, complemented with business development & general management. This makes my experience re-usable in other business environments.I am well known for delivering direction and vision as well as understanding the value of developing and maintaining strong internal and external relationships. ▶️ WHAT I DO:Throughout my career, I have cooperated with business colleagues from the Retail, SME and Corporate Banking segment. Instilling risk culture as a key sustainability pillar of all the sections of the bank I have worked for has been a core focus. Risk culture remains a topic that I am intrigued & passionate about.▶️ HOW I DO IT: My previous professional roles have focused on corporate lending and hedging solutions across a variety of business models, including commodity product trading as well as specialized lending and asset finance products to corporate clients. I possess a proven track record for providing delivery of key projects and independently assess credit worthiness including due diligence of other banks and trading counterparties. I have experience of developing entire programs of work being made of several projects. ▶ HOW I CONTRIBUTE TO TEAM GOALSIn my way of working, I put great emphasis on working in a partnership approach with my business colleagues, whilst keeping an independent view. I am a strong team player with a focus on helping and developing others. I am an excellent communicator with a well humored and responsible attitude.▶️ THE BOTTOM LINE . . . I DELIVER.☛ Managed to get a loan book growth of 46.24% by close of 2022.☛ Appointed analyst of the high value ticket cases, effectively analysing limits above Kes 200M.☛ Recognized as the best business banker by Regional Manager- Central Region in 2018.▶️ SPECIALTIES:✏️ Credit Applications ✏️ Risk Reviews ✏️ Operations Management ✏️ Credit Policies ✏️ Collections Management ✏️ Financial Performance ✏️ Profitability & Cost Analysis ✏️ Lending Policy Reviews ✏️ Portfolio Management ✏️ Process Implementation ✏️ Analytic Analysis ✏️ Quality Control.🏫 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-📧 karanjanjerij@gmail.com-or-👉 Shoot me a message
Co-Operative Bank Of South Sudan
View- Website:
- co-opbankss.com
- Employees:
- 35
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Corporate Relationship OfficerCo-Operative Bank Of South SudanNairobi County, Kenya
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Credit Quality ChampionCo-Operative Bank Of Kenya Oct 2021 - PresentNairobi, Kenya▶️ Key Contributions & Results✦ Reviewing annually, the Business Impact Analysis for the Credit Management Department to ensure proper and efficient Business Continuity Plans are in place in line with CBK regulations.✦ Reviewing the MSME product during regular Bank strategy forums to ensure its capabilities to meet customer needs and ensure it remains competitive.✦ Volunteering as support personnel for Internal Audit Department where I was part of the personnel sent out to do audit on Branch Credit teams.✦ Monitoring the implementation of the Chief Internal Auditor's recommendations as obtained in the audit report and lending activities across the banks network. ✦ Recommending areas of improvement for the personnel within the department.✦ Sampling of processed applications to ensure compliance to policy guidelines. -
Assistant Credit Manager; Business Banking Credit AnalysisCo-Operative Bank Of Kenya Sep 2021 - PresentKenya▶️ Key Achievements:🏆 Reviewed the Bank MSME product program with a target to achieve quality loan book growth. Managed to get a growth of 46.24% by close of 2022.🏆 Conducted trainings to Branch Managers and Business Bankers in 2022 on product knowledge, financial analysis, Credit documentation and Policy changes that saw reduction of deferral & declinesfrom 64% to 20%.🏆 Defended the Business Banking Analysis Unit Audit report and managed to get closure of issues at85%.🏆 Effectively worked on closing Internal Audit report issues from the 2022 report and attained animproved rating from Satisfactory to Good in the 2023 report.🏆 Consistently reviewed the team’s quality of work output that ensured that error rate was below 2% onapproval memos. This reduced the high rework rate experienced in the past.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results✦ Spearheading comprehensive and detailed analysis for both new to bank and existing customers covering both qualitative and quantitative measures covering the customer's business.✦ Assessing, analyzing, interpreting financial information and undertaking credit assessment in compliance with credit policy guidelines and in keeping with the credit acceptance and set risks bearing limits.✦ Identifying, evaluating and understanding risk associated with individual transactions, products and borrowers and recommending appropriate mitigants.✦ Independently and accurately preparing the Credit Risk rating (CRR) of a borrower and assign to Head of Credit Analysis for Approval.✦ Ensuring that all credit proposal are properly rated through the application of the Environmental & Social Risk management policy ,standards and models.✦ Following up facilities approval with requisite unit as well as continuous follow up with SME RMs,BMs and ROs with regard to credit applications,documentations and timely renewal of customer facilities.
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Business Credit Analyst/ Lending Policy Analyst.Co-Operative Bank Of Kenya Feb 2019 - Sep 2021NairobiAs a Credit Analyst, I ensured that risk profile of customers was appropriately identified, assessed and mitigated by being highly adaptable to the lending environment in the Banking industry.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Achievements:🏆 Appointed analyst of the high value ticket cases, effectively analysing limits above Kes 200M.🏆 Emerged the best Credit Analyst for two consecutive years. This saw me represent the team in majorforums in the Bank due to the great performance.🏆 Exceeded the target TAT by above 11% year on year.🏆 Maintained the target PAR at 1.6 % against a target of 2.5%.🏆 Conducted trainings and mentorship to four new Credit Analysts to ensure they did quality analysis toeliminate errors and rework rate by 20%.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results✦ Undertook reviews of the bank lending policies, amended them in accordance with changes in dynamics related to risks in lending within Kenya and for South Sudan above country limit.✦ Diligently advised and trained Branch Lending Teams on quality credit appraisals for the over 160 branches in Kenya.✦ Trained and Coached new staff on KYC, Anti-Money Laundering and Prudential Banking Guidelines stipulated by the Central Bank and Banking Act. ✦ Facilitated an accurate analysis of applications and ensures timely preparation of accurate decision sheets plus complete documentations, within 24 hrs of receipt. ✦ Carefully applied all provisions of risk mitigation during loan evaluation, as provided within the credit lending policy, thus leading to improved quality of loans issued.✦ Facilitated continuous training of branches countrywide to ensure they conduct quality appraisals on their customer applications thus reducing bad loans.
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Business BankerCo-Operative Bank Of Kenya Jun 2017 - Jan 2019Kenya▶️ Key Achievements:🏆 Recognized as the best business banker by Regional Manager- Central Region in 2018.🏆 Surpassed sales target by 56 % having loans sold loans worth Ksh 61M.🏆 Maintained PAR at 1.65% against a target of 5%.🏆 Using excellent relationship management on customers, maintained a healthy deposit growth for theBranch from 2017 to 2019.🏆 Maintained a loan book growth from 2017 to 2019 by 40%.🏆 Successfully reduced the Branch's Portfolio at Risk to under 1 by proactively conducting proper KYC (Know Your Customer) and following appropriate recovery measures on loan clients.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results✦ Interviewed, analyzed and evaluated applicants with emphasis on risks including Business Risk, Financial Risk, Market Risks with emphasis on Repayment Risk.✦ Participated in regular staff training sessions and was a branch trainer to improve on customer servicedelivery and sales performance.✦ Proactively pursued and engaged doubtful loan accounts so that all avenues are explored before marking the loan as poor performing or bad or doubtful (Grade4 and 5).✦ Championed and delivered excellent customer experience by ensuring quality service delivery for customers within the bank’s Service Level Agreements.✦ Developed strategies for maintaining and further penetrating existing client base and executed strategies through calls, visits, needs assessment, customer qualification and follow up meetings to maintain, enhance and expand customer relationships.✦ Prepared renewal and modification documentation for loans, mortgages, lines of credit, and other products and services.✦ Reviewed loan agreements to ensure they were complete and accurate according to policy and computing loan payment schedules.✦ Collected Non performing loans by contacting the customers and escalating the delinquent loans to collections and remedial units.
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Sales ExecutiveCo-Operative Bank Of Kenya Aug 2013 - May 2017Muranga▶️ Key Achievements:🏆 Charged with the function of deposit mobilization, I was able to grow the deposits in my portfolio from 30M to 140M in six months.🏆 Increased revenue generation through recruitment of new clientele, sales, cost cutting, and widening the market share by having good relationship with the clients and communities within the areas of my jurisdiction.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results✦ Ensured adherence to budgets, achievement of targets and reinforcing high motivation levels.Maximizing products sales to reach set targets by probing customer needs. ✦ Promoted the bank’s services and products through direct and cross selling to achieve the bank’s goals and increase its market share in those products. ✦ Maintained the relationship with the customers and worked constantly on improving it, and ensured that service quality exceeded customers’ expectations and fulfiled their needs on a level that ensured preserving those customers.✦ Represented the bank in the exhibitions & campaigns that the bank conducted to reflect the best image of the bank.✦ Helped individuals, businesses, and families select the most appropriate policies for health, life, and properties.✦ Offered property and casualty, life, health and long-term care insurance.✦ Sold policies that protected individuals and businesses from financial loss resulting from automobile accidents, fire, theft, storms, and other events that can damage property.
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Acting Personal Banking OfficerCo-Operative Bank Of Kenya 2015 - 2017▶️ Key Contributions & Results✦ Built and maintained relationships with clients to understand their financial needs and goals.✦ Conducted thorough credit assessments, including financial statement analysis and risk assessment, to evaluate creditworthiness.✦ Developed and presented customized credit solutions to clients, addressed their unique requirements and risk profile.✦ Collaborated with cross-functional teams, including credit risk, operations, and legal, to ensure timely and efficient credit processing.✦ Monitored credit portfolio performance, identified risks, and proactively mitigated potential issues.✦ Achieved sales targets and contributed to business growth through effective relationship management and credit solutions.✦ Developed and managed an exhaustive pipeline form existing clients, referrals and cold calls and capitalized on the database to grow sales and increase product uptake per customer.✦ Established relationship with the customer base of the branch through knowledge of account ownership, greeting customer by name and exhibiting on attitude of caring.
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Acting Personal Banking OfficerCo-Operative Bank Of Kenya 2015 - 2017Kenya▶️ Key Contributions & Results✦ Built and maintained relationships with clients to understand their financial needs and goals.✦ Conducted thorough credit assessments, including financial statement analysis and risk assessment, to evaluate creditworthiness.✦ Developed and presented customized credit solutions to clients, addressed their unique requirements and risk profile.✦ Collaborated with cross-functional teams, including credit risk, operations, and legal, to ensure timely and efficient credit processing.✦ Monitored credit portfolio performance, identified risks, and proactively mitigated potential issues.✦ Achieved sales targets and contributed to business growth through effective relationship management and credit solutions.✦ Developed and managed an exhaustive pipeline form existing clients, referrals and cold calls and capitalized on the database to grow sales and increase product uptake per customer.✦ Established relationship with the customer base of the branch through knowledge of account ownership, greeting customer by name and exhibiting on attitude of caring.
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Sales ExecutiveStandard Chartered Bank Apr 2011 - Sep 2011Nairobi
Judy Karanja Skills
Judy Karanja Education Details
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The Kenya Institute Of ManagementBusiness, Management, Marketing, And Related Support Services -
Muranga University CollegeFinance
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Co-Operative University CollegeDiploma In Co-Operative Management
Frequently Asked Questions about Judy Karanja
What company does Judy Karanja work for?
Judy Karanja works for Co-Operative Bank Of South Sudan
What is Judy Karanja's role at the current company?
Judy Karanja's current role is Corporate Relationship Officer.
What is Judy Karanja's email address?
Judy Karanja's email address is ka****@****k.co.ke
What schools did Judy Karanja attend?
Judy Karanja attended The Kenya Institute Of Management, Muranga University College, Co-Operative University College.
What skills is Judy Karanja known for?
Judy Karanja has skills like Credit, Loans.
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