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Work Background
Stima saccoCredit Officer
May. 2015Kenya• Credit Analysis: Assessing the creditworthiness of loan applicants by analyzing financial statements, credit reports, and other relevant documents to determine the borrower's ability to repay the loan. • Risk Assessment • Underwriting: Reviewing loan applications and making decisions regarding loan approval, including setting loan terms, interest rates, and repayment schedules, while adhering to the organization's lending policies and procedures. • Financial Statement Analysis: Analyzing financial statements, cash flow statements, income statements, and balance sheets to evaluate the financial health and stability of borrowers. • Credit Monitoring: Monitoring and managing existing loan portfolios, reviewing borrower performance, ensuring timely repayments, and identifying early warning signs of potential defaults or delinquencies. • Compliance: Ensuring compliance with regulatory requirements, internal policies, and industry best practices, including anti-money laundering (AML) and know-your-customer (KYC) guidelines. • Documentation and Record Keeping: Maintaining accurate and complete loan documentation, including loan agreements, collateral documents, and any required legal or regulatory paperwork. • Relationship Management: Building and maintaining strong relationships with borrowers, colleagues, and stakeholders, including conducting periodic borrower meetings, site visits, and negotiations. • Portfolio Analysis and Reporting: Analyzing credit portfolio performance, preparing reports on loan quality, delinquencies, defaults, and overall portfolio risk for management review. • Collaboration: Collaborating with internal teams, such as sales, risk management, and legal, to ensure efficient credit processes, streamline operations, and mitigate risks. • Continuous Learning: Staying updated on industry trends, regulations, and best practices related to credit analysis and risk management through professional development and training opportunities.
Kcb bank group ltdCredit analyst
Aug. 2009 - May. 2015nairobiGenerally related to loan appraisals, documentation, customer advise and debt management.
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