Credit/ Collection/ Relationship Officer, Sales
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A motivated, adaptable,responsible Economics graduate,
Credit/ Loan Officer ,Auto spare sales and mechanic seeking a new challenging career which will utilize the professional and technical skills developed through past work experiences. I have a methodical, creating a client base from scratch, Start-up projects; develop an incentive program,
customer-focused approach to work and a strong drive to see things through to completion. In my previous job, I have managed to grow the branch portfolio by 20% this financial year through introduction of new market strategies and good team work that increase our customers from by 25%. I have an active and dynamic approach to work and getting things done and produce high standard work, I am an excellent team worker and am able to take instructions from all levels and build up good working relationships with all colleagues
With two year I have gained experience and skills in Credit
Section like I have over two year experience at Agricultural
Finance Corporation in Loan making, Calculating financial ratios (e.g. credit scores, 5C’s and interest rates), preparing weekly and monthly reports, Monitoring of loan progression and Arrears Management as per credit policy. Conduct client follow-ups for loan renewals, manage a quality portfolio.
Review loan requests, Assessing clients’ financial status,
Evaluating creditworthiness and risks analysis, setting up payment plans, Maintain updated records of loan applications, Monitor progress of existing loans, presenting to the Credit Committee meetings further review &
recommendations and regular calls and visits to customers to ensure effective relationship management.
Collection Section-Conduct proper follow-ups on all arrears,
ensuring that delinquency is below the organization standard, Ensuring debts are recovered on time,regural phone calls to clients to remind them the payment date to prevent the loan falling into arrears, sending arrears notice,
demand notice and statutory notices, recovery field visits,
restructuring the loan, debiting clients for field visits and mileage costs and recommending for CRB listing.
Business Growth, Area sales representative through sales and marketing and contacting of potential customers both new and existing clients. presenting our products and services to potential clients, identifying specific consumer characteristics and recommending ways to promote and sell our products, Answer customer questions about features, pricing and additional services and
Collaborate with sales representatives from different territories to share best practices and support a cohesive sales approach.
INTERNSHIP PROGRAM AT AGRICULTURAL FINANCE
CORPORATION – 6 MONTHS
Credit section- in Loan making, Calculating financial ratios
(e.g. credit scores, 5C’s and interest rates), preparing weekly and monthly reports, Monitoring of loan progression and Arrears Management as per credit policy. Conduct client follow-ups for loan renewals, manage a quality portfolio.
Review loan requests, Assessing clients’ financial status,
Evaluating creditworthiness and risks analysis,
Accounting in handling general accounting principles such as bank reconciliations, petty cash management, the general ledgers, processing transaction in the system reconciliations, handling the preparation of monthly management reports,
preparation of financial statements, Updating and maintaining procedural documentation, Ensuring payments,
amounts and records are correct, budget projections and analysis and handling the management of cash flows.
Teller/Clerical Officer, Like Recording transactions, which involves logging checks and preparing transaction reports.
Counting and packaging currency. Reconciling cash drawers.
Opening new accounts and helping with loan applications and promoting the bank's products and services.
Customer services in customer relations having successfully resolved customer complaints by identifying problems and taking appropriate corrective action and demonstrated professional etiquette and manners when interfacing with customers.
Administration like filling of documents, maintaining accounts records, preparing reports, handling of customers and interview prospect clients.
ACHIEVEMENTS.
I come up with marketing strategies that improves our portfolio by 20%.
Arrears reduction from 8 million to 1.2 million.
Increased our customers’ base by 25% through customers’
induction strategies and marketing our products.
2018 to 2021 and 2022 june- Auto spare sales and mechanics.
I have over three year in both auto spare sales and mechanics, being an influential auto spare sales team leader at Nyeri town at Nyeri auto spares and mechanics. I was responsible for:-
As a Sales executive and sales team leader was responsible for finding and supplying spare parts for automobiles, mechanical equipment, electronics and other consumer products for the safe and profitable operation of the dealership or retail store and customers.
Calling customers to advise them about service changes or car pick-up times. Maintaining positive customer relationships to ensure repeat business.
Organizing sales visits to new and existing customers.
Ensuring all details on services rendered and costs are related to customers and processing their payments.
Managing the stock/inventory, ensuring smoothing running of the business.
2015-2019: Egerton University
Bachelor of Economics and History
Jan 2015-june 2015: Zim Computer College
MS suite, internet and emails. MS Office application, Corel,
MS Excel, SPSS, email and easily navigate the Internet.
2011-2014: Kagonye Secondary School
Kenya Certificate of Secondary Education
2019 JAN-2019 APRIL: Sale and Marketing
