Michael Gitari, Mba Email & Phone Number

Nairobi County, Kenya

Nairobi, Kenya

Create high quality credit risk assets for the Bank while minimizing the incidence of non-performing loans and advances for the Bank with strict adherence to the Banking Act, Regulator's Prudential Guidelines and the Bank's internal policies.Increase the Bank’s financial performance by creating and maintaining profitable credit risk assets

Nairobi, Kenya

Head of Credit Risk

Nairobi, Kenya.

Senior Manager - Credit Risk

1.Make Decisions on the Corporate, SME and Retail Credit applications, Temporary Overdrafts and Excess over Limits requests as provided for in the Bank's Discretionary Policy.2.Develop and implement policies and procedures for new advance products & enhancement of existing products. 3. Risk analysis of any new entrants for service provision for the bank and any investments that the bank would want to invest4. Ensure that Service Levels Agreements are adhered to.5. Make recommendations on the credit applications enabling the higher levels of Credit Authority to make sound credit decisions.6. Ensure that all credit proposals adhere to the laid down procedures, policies, Banking Act, prudential guidelines.7.Training Credit Analysts & Relationship Team overall credit analysis and on Bank’s Credit & Trade Finance Products.

Westlands, Nairobi Kenya.

1.Effectively process, appraise and make recommendations on all business obtained by Head of Business Development teams (Corporate, SME and Personal banking credit applications).2.Ensure all credit applications approval comply with the credit policy and procedures and are processed within the service level agreement.3.Continuously reviewing Credit policies and procedures ensuring their compliance.4.Working closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with lending5.Monitor and evaluate the performance of the team’s portfolio6.Preparation of management Credit and statutory reports7.Ensure compliance with both internal and external regulatory requirements8.Participate in Credit products review and development 9.Preparation of Risk Management, MANCO, MCC, EXCO, and Board credit line papers.10.Regularly analyze the risk profile of the bank’s loan portfolio by product & sector

 Analyze the SME Credit requests against all the canons of lending (Character, Capacity , Conditions , Capital , and Collateral ) as a basis for making approval / decline recommendations  Prepare the Sanction sheets and offer letters based on the above and ensure accuracy , completeness and neatness of the same for further approval by relevant Head office Credit Committees  Prepare draft board papers for facilities requiring approval by the Risk Management Committee of the board for further review by management at Credit Administration departments  Follow up with the branches to ensure fulfillment of ALL sanction conditions and other covenants prior disbursement of the facilities Submission of securities to security perfection officer within 12 hours of receipt from branches for further advise to legal department Recommend policy reviews for customer service and risk management improvement based on experiences and industry trends

Management of the loans portfolio to ensure qualityTimely follow up with the credit officers for arrears management and timely payments Loan application appraisal – Screening, Business visits and assessment of loan applicantsReporting on the business activity and the book qualityAggressive sales and marketing for business development Conduct training on credit officers on portfolio quality and growth

Provide primary system administration and day to day operational support, data management, provision of standard and adhoc requests for applications. Develop, implement and conduct user training for all the applications to maintain high levels of user competence, Provide PC usage training to all new staff and job changesPlan, document, implement and test backup, and test fall back procedures for business applications. Install, configure and maintain IT Firmware, software, hardware and Networks in order to meet business needs

Procurement, Installation and monitoring of Computer software, Designing, Establishing and Maintaining Computer networks (LANs), Installation and Troubleshooting of new and existing hardware, Organizing the Laboratory for practical lessons, Drafting reports on the attendance and progress of practical sessionsInstitution: J.K.U.A.TPost: Librarian

Bachelor Of Science (Bsc), Mathematics And Computer Science

Bsc. Mathematics & Computer Science.

Master Of Business Administration (Mba), Finance, General

MBA Finance