Key Achievements:●Successfully increased loan book growth by 10% (2023) and 15% (Q1 2024) above previous annual growth rates, contributing significantly to institutional financial performance.●Implemented a robust Debt Collection policy, effectively reducing delinquency rates and minimizing potential loan losses.●Successfully harmonized system settings with credit policy, preventing income loss due to discrepancies and ensuring accurate loan product appraisals.●Efficiently… Show more Key Achievements:●Successfully increased loan book growth by 10% (2023) and 15% (Q1 2024) above previous annual growth rates, contributing significantly to institutional financial performance.●Implemented a robust Debt Collection policy, effectively reducing delinquency rates and minimizing potential loan losses.●Successfully harmonized system settings with credit policy, preventing income loss due to discrepancies and ensuring accurate loan product appraisals.●Efficiently trained two new credit department staff members, enhancing operational efficiency and ensuring seamless service delivery.●Loan Book Growth Strategist: Spearhead research and implemented innovative loan book growth strategies, contributing to a 25% growth in 2023 and 10% in Q1 2024, fostering business expansion and profitability.●Developed and implemented a simplified single joint loan form for all sacco loan products, streamlining the loan application process and improving customer experience.●Actively participates in championing for Credit Union Recognition as a facilitator in rural area development with WYCUP, contributing to community empowerment and financial inclusion.RESPONSIBILITIES●Loan Portfolio Manager●Credit Risk Assessor●Loan Committee Member●Delinquency Management Specialist●Financial Analyst●Regulatory Compliance Officer●Credit Policy Advocate●Debt Collection Policy Champion●System Settings Harmonizer●Client Relations and Financial Educator●Customer Retention Specialist Show less

Key Achievements:●Introduced monthly credit team meetings for performance review, resulting in improved performance tracking and achievement of credit targets.●Achieved 100% payroll update with regards to staff loans, ensuring accurate deductions and seamless coordination with the HR DEPARTMENT●Updated and maintained a comprehensive collateral register, facilitating increased loan accessibility for members and contributing to loan book growth.●Successfully reconciled loan… Show more Key Achievements:●Introduced monthly credit team meetings for performance review, resulting in improved performance tracking and achievement of credit targets.●Achieved 100% payroll update with regards to staff loans, ensuring accurate deductions and seamless coordination with the HR DEPARTMENT●Updated and maintained a comprehensive collateral register, facilitating increased loan accessibility for members and contributing to loan book growth.●Successfully reconciled loan listings against ledger entries dating back to 2016, ensuring data accuracy and consistency for informed decision-making.●Consistently prepared timely and accurate credit reports, providing valuable insights into credit performance and enabling effective performance reviews.RESPONSIBILITIES●Loan Application Processor●Credit Underwriter●Loan Disbursement Officer●Customer Service Representative●Financial Advisor●Loan Documentation Specialist●Recovery Officer Supervisor●Payroll Liaison Officer●Collateral Register Manager●Loan Entry Reconciliation Specialist●Credit Reporting Analyst Show less

●Focused on expanding reach to underserved communities by recruiting an umbrella group specializing in life-impacting product loans, enabling access to financing for essential items like water tanks, chaff cutters, and iron sheets.●Coordinated cross-functional teams to address complex issues, leading to more efficient problem-solving processes.●Delivered high-quality training programs, enhancing employee skill sets and contributing to professional development efforts.●Loan… Show more ●Focused on expanding reach to underserved communities by recruiting an umbrella group specializing in life-impacting product loans, enabling access to financing for essential items like water tanks, chaff cutters, and iron sheets.●Coordinated cross-functional teams to address complex issues, leading to more efficient problem-solving processes.●Delivered high-quality training programs, enhancing employee skill sets and contributing to professional development efforts.●Loan Origination: Identified potential borrowers, collected loan applications, assessed creditworthiness, and processed loan requests.●Disbursement and Recovery: Disbursed approved loans, monitored repayment schedules, and followed up on overdue payments.●Client Relationship Management: Built and maintained strong relationships with clients, providing financial education and support to ensure responsible borrowing and repayment.●Portfolio Management: Monitored and managed the overall loan portfolio, identifying and addressing potential risks, and ensuring healthy portfolio performance.●Financial Analysis: Analyzed financial data, including income statements, balance sheets, and cash flow statements, to assess clients' financial health and repayment capacity.●Product Development: Contributed to the development of new loan products and services tailored to meet the needs of the target market.●Market Research: Conducted market research to identify potential clients, assess demand for financial services, and analyze competitor offerings.●Marketing and Outreach: Promoted the institution's products and services through various channels, including community outreach programs, presentations, and workshops.●Reporting: Prepared and submitted regular reports on loan portfolio performance, client data, and other relevant information to management and stakeholders. Show less

●Identified and acquired new clients through targeted outreach and relationship building, driving membership growth and expanding the customer base.●Conducted comprehensive training programs for new groups and individuals●Actively participated in group meetings, delivering engaging presentations and training sessions on savings and loan products, fostering member engagement and promoting product uptake.●Conducted thorough pre-assessment visits to new group members, new loan… Show more ●Identified and acquired new clients through targeted outreach and relationship building, driving membership growth and expanding the customer base.●Conducted comprehensive training programs for new groups and individuals●Actively participated in group meetings, delivering engaging presentations and training sessions on savings and loan products, fostering member engagement and promoting product uptake.●Conducted thorough pre-assessment visits to new group members, new loan applicants, and repeat loan applicants at their businesses and homes, evaluating their financial capabilities and creditworthiness.●Efficiently prepared and submitted loan forms for approval, ensuring adherence to internal policies and regulatory requirements, and facilitated loan disbursement processes to meet member needs.●Processed savings request forms for withdrawing members, ensuring timely and accurate settlements while maintaining positive member relations.●Collaborated with internal teams to develop and implement targeted marketing and sales strategies to attract new members and increase product adoption.●Provided ongoing support and guidance to existing members, addressing their concerns, offering financial advice.●Represented the institution at community events and networking opportunities, promoting its brand and fostering positive community relations.●Regularly analyzed and reported on sales and membership growth data, identifying areas for improvement and contributing to the development of effective business strategies.●Developed and maintained relationships with key stakeholders, including community leaders, business partners, and industry influencers, to expand the institution's network and create new business opportunities.●Conducted market research to identify potential target markets, analyzed competitor offerings, and developed strategies to differentiate the institution's products and services to gain a competitive edge. Show less

ATTENDING TO CLIENTS THROUGH:- CASH SALES EXECUTION- INTRODUCTION AND EXPLANATION OF PRODUCTS AND THEIR USE- PRODUCT PROMOTION

worked in the Personnel Licensing Office

as a Customer attendantthe cyber dealt with such services as internet for browsing, paper work including printing, photocopies, lamination...other services included; fax services, type setting