Achievements• Preparation of offer letters and related documents in line with approved terms and conditions.• Securities advisor, providing support to the business in negotiating, structuring and documenting all credit-related and specialized transactions.• Managing of letters of offer, term sheets, mandate letters and facility agreements for approved facilities in line with the approved lending conditions, applicable laws, regulations and bank policies.• Providing Legal opinions and research in respect of securities matters including legal awareness training.• Scrutinizing and controlling all collateral-related documents ensuring compliance with the set guidelines, and banking policy.• Reviewing terms and conditions of sanction and issuing compliance certificates paving way for disbursements. • Seeking requisite approvals for deferred documentation and preparing requisite reports on the same with the follow-up measures taken. • Overseeing, maintaining and /or holding custody of security files.• Liaising with and tracking the performance of service providers such as valuers, Car track device providers.• Overseeing discharge and release of collaterals as per the bank’s policy.• Ensuring service providers comply with the requisite regulatory framework. • Overseeing joint registration of logbooks, discharges, in charges and MPRS agreement registration.• Liaising with business partners including NTSA to ensure logbook processing are done in timely manner and reconciliation are in order to avoid delays.

• Reviewed all disbursed facilities to ensure accuracy of the booking and compliance with approval terms and conditions and adherence to approval covenants.• Maintained all requisite collateral monitoring diaries and monitored the validity and expiry dates of collateral and/or related documentation.• Reviewed performance all the performing accounts from time to time to ascertain their health, identify any early warning signs for effective and timely remedial action to ensure sustenance of a healthy portfolio.• Reviewed, monitored and followed up facility covenants as well as review of financial health of borrowing accounts under the performing portfolio.• Reviewed collections comments from time to time and intervene on sensitive accounts in terms of exposure or progression of DPDs.• Prepared and coordinated preparation of and presentation of monthly Portfolio Review Report to PRC during monthly portfolio review meeting.• Prepared and coordinated presentation of Loan Arrears and collection reports to during monthly Early Alert committee (EAC) meetings for all the business segments.• Monitored construction projects financed by the Bank and conducting joint site visits before tranche disbursements to facilitate onsite review.• Reviewed and ensured compliance with specific covenants meant to ensure sustenance of quality portfolio and favourable returns from specific relationship managers.• Carried out review of the dairy and track follow up of any approved exceptions as well as renewal of periodic covenants.

• Met with applicants to obtain information for loan applications and to answer questions about the process. • Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. • Continuously identified new businesses for the bank products at the branch while ensuring active cross selling in retail and corporate business development areas and participating in marketing drives • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial Information.• Immediate analysis / appraisal of business loans including lodgment for approval of business loan applications. • CDS Account Opening. • Monitored loan accounts to ensure repayments were up to date. • Advised customers on safe custody and ensured annual charges were paid. • Monitored and liaised with Head Office to ensure defaulters were held accountable for the outstanding liabilities. • Lodged and discharged securities charged to the Bank.