About Me
Seasoned banking professional with over 14 years of experience in corporate and retail lending, specializing in credit risk analysis and credit administration within Kenya’s banking sector.
Experienced in evaluating complex credit proposals, making informed credit decisions, and ensuring compliance with bank lending policies and regulatory frameworks. Known for strong analytical capability, accuracy, and attention to detail when assessing credit risk.
I have also contributed to major banking projects including trade finance system implementation and core banking process improvements, serving as a subject matter expert in credit administration while supporting operational efficiency and team capacity building.
Skills
Analysis of complex corporate lending proposals and credit risk evaluation.
Identifying and mitigating credit risk while ensuring policy compliance.
Ensuring all lending proposals comply with bank policy and regulatory frameworks.
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
Corporate Credit Risk Analyst
Co-operative Bank of Kenya · Sept 2025 — PresentAnalyse corporate credit proposals submitted by business units and recommend appropriate credit decisions to senior credit management and Board Credit Committee based on delegated approval authority.
Ensure lending proposals comply with the bank’s credit policy and regulatory guidelines while identifying potential risk exposures and mitigation strategies.
Liaise with business units on credit queries, escalate unusual risk concerns, and support efficient credit decision turnaround.
Train business unit credit teams on credit appraisal procedures and highlight areas of weak proposal preparation to improve credit quality across the bank.
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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