🚪 Welcome! I am an experienced credit proffessional with comprehensive insight and in-depth knowledge of the process of risk analysis in any bank or financial institute. I have Proven capabilities in conducting an analysis of worthiness of the clients applying for the credits.☀️ I have a proven ability to respond and proactively manage credit risk including that resulting from bank and market failures. I have developed extensive experience working with emerging and developed markets, identifying key and emerging risks and putting in place appropriate measures to mitigate. 💪 Known for extensive background keeping the cash flow records and managing the accounts of the firm. Highly proficient in solving legal issues related to credits of the firm and capable enough to adapt to the new procedures that are carried out in a firm.📢 I have presentable personality, strategic planner, teachable and quick to adopt to changing situations. I find challenge in tasks that entails analytical thinking interesting and I work well with people and can communicate with all levels of management and stakeholders.▶️ THE BOTTOM LINE . . . I DELIVER.☛ Successfully managed to reduce SME PAR from 29% to 15% within the first year at work.☛ Enhanced customer service through processing transactions with 100% accuracy in a timely and cordial manner.☛ Successfully managed to achieve a target of Ksh 25m per month.▶️ SPECIALTIES:✏️ Portfolio Management✏️ Credit Risk Analysis✏️ Financial Statement Analysis✏️ Cash flow Statement Analysis✏️ Credit Risk identification✏️ Risk Mitigation✏️ Client account management✏️ Credit scoring✏️ Remedial and Loan Recovery Strategy✏️ Relationship Management✏️ Data Gathering and Analysis✏️ Audit Controls✏️ Financial Reporting💥💥 If you have any questions, need assistance, or feel like I would be a great fit for your organization, please feel free to reach out to me.💥💥🤝 Send me a connect request-or-📧 karimipatrick19@gmail.com-or-👉 Shoot me a message
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Credit Officer - SmeFortune Sacco Ltd Oct 2020 - Dec 2022Kerugoya▶️ Key Achievements:🏆 Successfully managed to reduce SME PAR from 29% to 15% within the first year at work.🏆 Became member of SME product review at barely less than 6 months in the organization.🏆 Became a member of consumer product review at barely less than 6 months in the organization.🏆 Devised and implemented a credit control department and processes to meet credit control functions.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results:✦ Reviewing business and Check off loans applications and proposals to ensure that the loans are in line with the society’s financial policy guidelines and procedures.✦ Appraising applicant’s financial status and credit evaluations to determine feasibility of granting loans.✦ Ensuring timely loan disbursements, accounts reconciliation and monitoring of business loans repayment.✦ Security perfection of both property and Motor vehicle and ensure safe custody of the charged securities.✦ Preparing timely and accurate departmental reports and supervision of loans staff team.• Member loans applications approvals.✦ Ensuring that the staff follow the organization’s policies and procedures and in all credit applications.✦ Liasing with service providers to ensure accuracy and efficiency such as Lawyers, Valuers, debt collectors and tracking companies. ✦ Following up of insurance claims for time payments.✦ Marketing Sacco products to both prospective and existing customers.✦ Handling customer complaints and take appropriate action to resolve them.✦ Collaborating with stakeholders to design tools that enhance the vendor financing ecosystem. -
Relationship Officer - Personal BankingEquity Bank Limited Jan 2018 - Sep 2020Garissa, Kenya▶️ Key Achievements:🏆 Identifying key revenue growth opportunities based on clients’ investment objectives and risk tolerance resulting in a client investment portfolio growth.🏆 Identified and acquired high value new clients for the bank.🏆 Knowledge on credit analysis and documentation.🏆 Enhanced customer service through processing transactions with 100% accuracy in a timely and cordial manner.🏆 Successfully managed to achieve a target of Ksh 25m per month.🏆 Maintained an average PAR of less than 3 with a loan book of Ksh 373m.🏆 Become the Garissa County champion incharge of county government booking.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▶️ Key Contributions & Results:✦ Escalated new products through trainings to the staff members.✦ Cross sold the banks products to customers and made follow ups on the uptake.✦ Gathered customer feedback on a continuous basis, responding to issues and closing them accordingly.✦ Demonstrated high quality experience through exceptional product knowledge.✦ Offering assistance to customers in a professional and efficient manner.✦ Reduced footfall by offering digitised platforms to customers.✦ Ensured compliance with banks risk framework as well as security and AML for all financial transactions. -
Hr, Finance And Administration InternKirinyaga County Government Jan 2016 - Dec 2017▶️ Areas of Exposure:✦ Preparation of the payment vouchers.✦ Preparation of payment sheets.✦ Compiling the health returns.✦ Capturing the payment vouchers, L.S.O., L.P.O. in the vote book and updating the vote book.✦ Preparation of Health casual employee’s payroll and Preparation of contract letters for casual employees.✦ Assisting in office administration and maintaining files.
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Finance InternKirinyaga County Government Jan 2015 - Apr 2015Kirinyagacomplying returns,office administration assistant,cashbook analysis and updating, votebook updating
Patrick Karimi Skills
Patrick Karimi Education Details
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2Nd Class Honours Upper Division
Frequently Asked Questions about Patrick Karimi
What is Patrick Karimi's role at the current company?
Patrick Karimi's current role is ▶️ Credit Risk Analyst ⭐ Credit Management ⭐ Risk Assessment ⭐ Portfolio Monitoring ⭐ Customer Service Management ⭐➡️ Passionate with drive to bring solutions and add value.
What schools did Patrick Karimi attend?
Patrick Karimi attended Moi University.
What skills is Patrick Karimi known for?
Patrick Karimi has skills like Microsoft Office, Office Administration, Report Writing, Reporting And Analysis, Microsoft Excel, Customer Service.
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Patrick Karimi
Md Africa @ Atlantis - Outsourcing Services And Artificial Intelligence Security TechnologiesNairobi County, Kenya -
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