In my previous role, I was tasked with finalizing all facility approvals, mitigating policy breaches, cultivating corporate client relationships, presenting engaging board proposals, approving corporate credit proposals, and offering technical advice to Credit Management Committee (EXCO-Credit). I also delivered strategic performance planning, coaching, and motivation for our team - supplying adequate tools for high-performance and customer satisfaction.I strategically fulfilled all audit requirements while maintaining transparency within Corporate Credit Department, such as instances of limits dropping, early vintage performance, migration, and PAR (Portfolio at Risk). The notable achievements in this role included:• Designed monitoring frameworks to continuously track corporate transactions, swiftly identify errors, and recommend corrections.• Co-developed risk appetite guidelines with credit discretion, sign off approval/signatory authority, and standardized risk measurement throughout bank.• Grew a quality corporate banking and Co-operatives asset book with a PAR >1%.• Accomplished 90% TAT of case submission to Board of Management within seven days.• Reduced deferral rate 15% through early engagement with corporate banking team.

Seconded by Co-operative Bank of Kenya to the National Treasury. I advised the successful setup of the first mortgage liquidity facility in Kenya. My technical expertise was instrumental in the formulation of an efficient operational framework, as well as KMRC Credit policy, operations, requisite processes, procedure manuals, and procurement consultancies. My notable achievements included:• Built rapport with Central Bank of Kenya to help define Mortgage Finance regulations and licensing of Kenya Mortgage Refinance Company.• Partnered with key stakeholders in affordable housing, Ministries, Banks, Saccos, DFI’s, and regulators to diversify offerings and maintain industry compliance.• Strengthened capacity building of primary lenders and Sacco’s to increase mortgages underwriting.• Recruited 11 Sacco’s, seven commercial banks, a microfinance entity, and two Development Financial Institutions as shareholder for KMRC.• Negotiated and secured World Bank & African Development Bank funding for Kenya Affordable Housing Finance Project.• Pioneered consultancy support of KMRC to influence institutional road mapping, a 5-year inaugural strategic plan, office premise configuration and fit-out, and commissioning of core Mortgage Refinance System.• Developed a novel KMRC Credit scoring and risk rating model to define limits for various financial institutions.• Teamed with senior staff of Tanzania Mortgage Refinance Company, Pakistan Mortgage Refinance company and CRHH-West Africa regional Mortgage Refinance system.• Obtained Environmental and Social Risk Management (ESRM) Training for participating Mortgage Lending Institutions by the World Bank.

In this role, I championed our bank-wide credit management improvement processes under the “5-Year Soaring Eagle Transformation Agenda.” The role called for the creation of an entirely new quality asset book, consultant relations, as well as an in-depth review of potential impact, internal procedures, and overall organizational structure. I coached a cross-functional team of leaders across the Credit Management Division, including the Head Credit Analysis, Head Credit Administration, Head Portfolio Management and Head Remedial. Our project teams executed numerous project work streams through to achievement based on my ability to zero in on targeted deliverables and milestones. My additional achievements included:• Revitalized overall role modeling, credit improvement processes and portfolio management measures to enhance turnaround time and customer experience.• Implemented Business Process Management System (BPMS) - MSE and Mortgage Loan track system-SME.• Introduced credit scoring, E-credit mobile-based lending for MSME, an Early Warning System, and E-collection tool enhancements, which increased bank wide utilization by 42%.

Previously principal lead mortgage contact for the bank’s Corporate Banking Division, Retail & Business Banking Division and Cooperatives Division. I proudly mentored 20 staff one-on-one to ensure mortgage facility approval, lending policy compliance, and mitigation of policy breaches as they arose. I also thoroughly evaluated and recommended loan disbursement requests, while offering the following achievements:• Originated winning business unit strategies to properly identify prospective customers, and initiate strategic partnerships purposed to drive revenue growth, increase product profitability, and penetrate new markets across co-op bank’s 148 branches.• Influenced Credit Committee meeting by offering technical advice. Collaborated with Risk Management and Compliance departments to formulate strategies and guidelines for portfolio growth.• Controlled non-performing loan remediation by brainstorming with relevant stakeholders.• Implemented departmental Business Continuity Plan and a new risk management framework.• Positioned bank as the leading year-on-year financier of real estate with an average growth rate of +30%.• Doubled growth of residential and commercial mortgage loans in three years, from KSh 20bn to KSh 47bn.• Originated major real estate greenfield projects, such as largest Mall in East and Central Africa USD 80 million; Commercial Office space KSh 3 billion; Residential development KSh 2 billion; Luxury hotel in Mara triangle KSh 1.6 billion; and Five Star Hotel KSh 1billion – all successfully completed with loans redeemed.

Able to accomplish the entire build of a project finance-construction unit from the ground up, in this role, I managed a mortgage project finance-construction offering to service Corporate, Co-operatives and Retail customers with a team of seven. I also provided the following achievements:• Strengthened project finance-approved commitments to KSh 15 billion in five years - positioning the bank as a leading player in property financing.• Spearheaded the first-ever real estate contractor guarantee financed deal and notably financed affordable housing projects, which included 400 apartments of the Madaraka Infill project by the National Housing Corporation in Nairobi.

Earlier in my career, I strategically identified, analysed and determined suitability of residential, hotels, and office block property developments. I offered engaging negotiation tactics to win clients, as well as produced detailed project evaluation reports/appraisal reports. As a proactive member of our Lending Committee/Board Credit Committee, I took pride in partnering with clients as well as internal Risk, Credit and Legal Units to ensure fulfilment of timely commitments and disbursements of approved projects. My notable achievements encompasse• Co-created project finance unit and grew finance book to KSh 4.1 billion in two short years.• Led a co-financed deal between Housing Finance and I&M bank to establish a green building.• Consistently surpassed performance targets as part of a new team in response to a new turnaround strategy.