About Me
Expert Credit Risk Analyst and administration professional with 12 years in the banking industry in both commercial and retail loans administration. A result driven banker with invaluable experience in lending and a strong acumen in credit risk analysis, risk mitigation and overall loan disbursement process.
I have also been involved in delivering key and robust projects in the bank including the core banking as well as the trade finance system onboarding as the subject matter expert Credit administration. Effectively handling complex assignments and managing team members.
Skills
Loan adjudication, covenants, SME and corporate credit structuring.
Risk assessment, early-warning indicators, NPL reduction strategies and compliance checks.
Requirements gathering, vendor onboarding, process re-engineering and automation training.
Disbursement document checks, lending policy review, and credit operations governance.
Leadership · Stakeholder Management · Training · Analytical reporting · MS Excel · SPSS · Credit systems · Communication
Services
Credit Advisory
Policy review, covenant drafting, credit scoring and pricing recommendations.
Risk Assessment
Early-warning system design and NPL reduction plans.
Project Implementation
End-to-end implementation support — from requirements to user training and go-live support.
Training & Capacity Building
Credit & lending best practices training for branch staff and operations teams.
Experience
Subject Matter Expert — Trade Finance System Project Implementation
Co-operative Bank, Nairobi · Jan 2024 — PresentLead requirements gathering, vendor selection and onboarding for trade finance systems. Documented as-is processes, drove product design decisions, and implemented solutions aligned to economics and risk appetite. Managed change, trained users and improved process efficiency.
Credit Risk Control Analyst
Co-operative Bank, Nairobi · Jan 2015 — Dec 2023Delivered observations and recommendations to improve risk posture. Ensured compliance of disbursement documents, advised management on lending policy adjustments. Trained branch staff on best lending practices.
Electronic Banking Relationship Officer
Co-operative Bank, Nairobi · Aug 2013 — Jan 2015Maintained and grew client relationships, promoted e-banking solutions and trained corporate & retail customers on online banking platforms.
Business Development Officer
I&M Bank, Nairobi · May 2011 — Aug 2013Generated revenue through client acquisition, negotiated long-term agreements, and developed strategies to grow territories and upsell services.
Research Assistant / Data Entry
University of Nairobi & Ministry of Tourism · 2009 — 2013Collected and edited survey data for the Tourism Satellite Account projects; used SPSS for analysis and reporting.
Intern — Senior Credit Officer
Family Debtors Microfinance · May 2009 — Aug 2009Managed debtor accounts and negotiated repayment plans.
Education
Referees
1. Robert Koech Cheruiyot
Head Credit Administration
National Bank of Kenya, Nairobi, Kenya.
Cell: 0722 423532
Email: cheruiyotkoech2@gmail.com
2. Stella Kanyeke
Head Credit Operations
NCBA Bank, Nairobi, Kenya.
Cell: 0726 605671
Email: stellakanyeke@gmail.com
3. Slyvia Momanyi
Head - Card Sales
I&M Bank, P.O Box 30238-00100, Nairobi.
Cell: +254-722997690
Email: smomanyi@gmail.com
Languages & Interests
English (C2) · Swahili (C2) · Meru (C1)
Hobbies: Learning new skills, basketball, mentoring young professionals, travelling and networking.
Contact
Quick message
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