George Njeru

Detail-oriented and results-driven Finance & Accounting professional with a Bachelor of Commerce in Finance and progressive hands-on experience across microfinance, SACCO, retail, and credit lending sectors. Skilled in end-to-end financial reporting, budgeting & forecasting, account reconciliation, statutory tax compliance, internal controls, and audit support. Proven ability to process high-volume loan applications, prepare IFRS-compliant financial statements, optimise cash flow, and deliver accurate reporting using QuickBooks and Advanced Excel.

Recognized for strong analytical thinking, meticulous attention to detail, cross-functional collaboration, and delivering exceptional client service. Eager to contribute technical expertise, regulatory knowledge, and commitment to ethical financial practices in a dynamic accounting or finance role within a forward-thinking organization in Kenya or internationally.

Assistant Loans Officer 1 at Premier Credit Ltd Kenya (2026-02 – 2026-05)

• Processed and reviewed consumer and business loan applications by collecting, verifying, and organizing comprehensive client documentation, ensuring 100% compliance with internal credit policies and regulatory requirements.
• Served as the primary point of contact for loan applicants, clearly explaining product features, eligibility criteria, and documentation requirements, resulting in improved application completion rates and enhanced customer experience.
• Conducted preliminary credit assessments and eligibility checks, prepared detailed credit files, and presented recommendations to the Supervisor and Credit Committee, supporting faster and more informed lending decisions.
• Managed end-to-end loan file administration: organised physical and digital records, ensured audit-ready documentation, and maintained accurate data in the loan management system.
• Monitored active loan portfolios, tracked repayment performance, flagged early warning signs of default, and supported proactive collection and recovery efforts to minimise non-performing loans.
• Coordinated seamlessly with Sales, Customer Service, Finance, and Compliance teams to expedite loan approvals and disbursements, improving operational efficiency.
• Performed Know-Your-Customer (KYC) and due diligence checks, including credit reference bureau (CRB) searches and guarantor verifications, to mitigate lending risks.
• Supported loan disbursement processes by preparing payment instructions, verifying account details, and ensuring funds were released accurately and on time.
• Supported preparation of weekly and monthly loan performance reports for management review

Finance Intern at Thamani SACCO (2025-02 – 2025-11)

• Supported preparation, analysis, and review of monthly and quarterly financial statements and management reports in accordance with applicable financial reporting standards.
• Supported budgeting, forecasting, and cash flow projection processes through data collection, variance analysis, and report preparation.
• Performed daily transaction posting, account reconciliations, and ledger updates in QuickBooks, maintaining data integrity and reducing month-end closing time.
• Actively participated in month-end and year-end closing procedures, prepared supporting schedules for external audits, and contributed to strengthening internal controls and financial governance.
• Maintained the Fixed Asset Register, calculated and posted depreciation in line with IAS 16, ensuring accurate asset valuation and disclosure.
• Supported loan portfolio management by assisting in review of loan disbursements, tracking repayments, and calculating interest income.
• Reconciled member savings, share capital, and deposit accounts to ensure records matched the general ledger and resolved discrepancies promptly.

Junior Accountant at Waecon Supermarket (2024-12 – 2025-01)

• Prepared, reviewed, and submitted all statutory tax returns to the Kenya Revenue Authority on time, ensuring full compliance and avoiding penalties.
• Analysed accounts payable/receivable discrepancies, resolved vendor queries, reconciled supplier statements, and maintained accurate inventory and creditor records.
• Contributed to preparation of monthly management accounts and performed detailed budget vs actual variance analysis.
• Processed high volumes of daily transactions, prepared journal entries, performed bank reconciliations, and supported internal and external audit processes with well-organised documentation.
• Designed and implemented advanced Excel templates and financial models (Pivot tables, VLOOKUP, data validation, dashboards) that significantly improved speed and quality of financial reporting.
• Managed daily sales reconciliation by comparing point-of-sale records with bank deposits and cash receipts, identifying and resolving variances promptly.
• Oversaw petty cash management, including disbursement, expense verification, and periodic reconciliation.
• Supported inventory accounting by participating in stock counts and reconciling physical stock with accounting records.
• Supported in payroll processing by verifying employee sheets, calculating deductions, and preparing payroll-related journal entries.

Bachelor of Commerce in Finance – University of Embu (2020-09 – 2024-09)

Kenya Certificate of Secondary Education – Ibiriga Mixed Secondary School (2019)