- Reviewing loan proposals above branch limit prepared by branch credit officers. - Providing the Head Office Credit & Control Committee with a ‘second opinion’ and directing the Committee’s attention to key issues.- Analyzing risks and checking compliance to policies and procedures on all cases above branch limit loan proposals before loans are recommended for either approval/rejection to the Credit Committee.- Participating in implementation of credit aspects of the risk function, including implementation of processes and tools to identify, assess, manage, monitor and report risks.- Enhancing the Sacco’s visibility through partnering with various Public, Private Sector and Institutional clients through MOU arrangement.- Verifying details on cases maintained in the system for sanctioning purposes before disbursement is done.- Preparing monthly reports.

Credit Risk Analyst -: Equity Bank Ltd April 2012 – Oct 2014Responsibilities:- Reviewing loan applications prepared by branch credit officers in SME & Micro lending sectors.- Providing the Head Office Credit Committee with a ‘second opinion’ and directing the Committee’s attention to key issues.- Analyzing risks and checking compliance to policies and procedures on SME & Micro appraisals before loans are recommended for either approval/rejection to the Credit Committee.- Member of Head Office Credit Committee responsible for taking and filing minutes of credit committee meetings.- Participating in implementation of credit aspects of the risk function, including implementation of processes, tools and systems to identify, assess, manage, monitor and report risks.- Conducting system end users’ compliance on all SME and Micro lending applications.- Providing induction training and refresher courses to new Credit Risk Officers and demonstrating own activities.- Assisting in preparing of induction training materials in collaboration with sector head.

Credit Project Officer -: Equity Bank Ltd Sep 2008 – March 2012.Core Team member of Credit automation projects tasked with implementing and supporting various credit information technology platforms.Key achievements:- Successful roll-out and implementation of Credit automation system (Finnone suite) composed of; Customer Acquisition System, Loan Management System, Collateral Management System, Credit scoring and Forecaster Module and Collection Management System both in Equity bank Kenya and Uganda.- Successful roll-out and implementation of Credit Temporary over draft system- CATODAPP and Business Intelligent suite.Responsibilities:- Evaluating and selecting of software that meet the bank’s objective of automating the entire credit processes.- Requirements and historic data collating on system modules from business end users. - Analyzing business needs and articulating them in the systems.- Participating in finalization and approval of system scope and priorities.- Mapping Business solutions in the system.- Developing User Acceptance Test scenarios and applying them to test system functionalities to ensure adherence to company specifications.- Involved in system customization processes to ensure that systems developed concur with product Service Level Agreements (SLA).- Reviewing Project deliverables, milestones and initiating action items on regular basis.- Carrying out system integrations with other running and upcoming bank systems.- Developing and implementing processes and procedures on the systems roll-out and implementation.- Training end users on the new systems implemented within the Bank.- Involved in System Configuration, Application setup and parameterization.- Scripting and Creating regular reports on the status of the project for review by the project manager.

Credit Relationship Officer -: Equity Bank Ltd Oct 2007- Aug 2008.Responsibilities:- Responsible in developing and implementing outreach and promotion plan.- Carrying out loan applications, credit appraisals, loan disbursement and overall portfolio management.- Managing relationships in order to protect the bank from exposure to delinquency.- Preparing and monitoring reports to assist in taking corrective actions to non-performing loans.- Securities/collateral auditing and documentation.- Offering customer services.