Elizabeth Wanja

As seasoned and well rounded professional with over 14 years of experience in the banking and Finance sector, I am an analytical thinker and passionate problem solver who has excelled in mitigating risks, monitoring finances, management of staff and analysis of credit. Through experience, successfully gained skills in; credit management, risk analysis, financial management, accounting and operations management. I possess the experience necessary to develop and implement policies, procedures and programs that will ensure compliance with existing regulations and best practices.

Moreover, I have also provided support for both internal and external audit, prepared yearly company budgets, strategic plans and prepared monthly and quarterly regional reports. I believe in making positive contribution and provide the required level of leadership and guidance needed to ensure that best practice is always followed as per industry and company standards.

Finance and Credit Administration Manager at Kenya Women Microfinance Bank (2021-09 – Present)

In charge of all the administration, finance and credit risk at the Nairobi regional office

• Ensure that proper books of accounts are maintained at any given time within the region.
• In charge of fixed asset management at the region.
• In charge of preparing monthly and quarterly reports for the regions such as quarterly cash flow projections and rent schedules.
• In charge of preparing the yearly regional budget.
• Loan analysis appraisal, approval and recommendation
• Handling of all customer related issues pertaining to their loan payment and accounts maintained at the bank
• In charge of ensuring that portfolio quality within the region is maintained through credit risk mitigation.
• Providing support to both internal and external audit.
• Handling all customer complains in relation to CRB related issues.
• Ensuring that the credit application approval are within the sustainable financing framework and guidelines.

Assistant credit analyst at Kenya Women Finance Trust (2017-09 – 2021-08)

• Providing quality service to internal customers through undertaking risk assessment analysis of various types of lending proposals.
• Analyzing financial information such as statement, business assessments, management accounts and cash flow statements of the loan applications.
• Continuous monitoring of the assigned portfolio and providing feedback on the emerging trends.
• Applying the models of credit information to predict patterns and trends using specialist statistal software.
• Assessing the credit worthiness of clients, companies and business.
• Ensuring that procedures comply with credit policy.
• Staying informed about the legal, compliance and market risk related issues involved in approval of credit.
• Staying informed about institutions current procedures.
• LGD refund verification and processing.
• Handling Unit /branch queries related to loans and refunds.
• Preparation of offer letter, addendum, variation, disbursement and variation forms.
• Security release i.e. logbooks, titledeeds.
• Control of insurance IPF applicatin termination and sticker issuance.

Unit Accountant at Kenya Women Finance Trust (2009-02 – 2017-08)

• In charge of ensuring that the unit operations are running smoothly and ensuring effective and efficient controls are maintained at the unit.
• Providing support to both internal and external audit.
• Ensuring that proper books of account are maintained at the branch level including ensuring that timely reconciliation of the branch accounts is done.
• Ensuring that proper work flow within the branch operations is coordinating.
• Control and réconciliation of stationery, cheques and Petty cash accounts.
• Maintaining fixed asset register, coding and asset management.
• Providing support to both internal and external customers.

Assistance Finance and Credit Administration Manager at Kenya Women Finance Trust (2021-05 – 2021-09)

I was tasked with handling all aspects of finance and credit administration

• In charge of all the administration, finance and credit risk at the South Nyanza regional office
• Ensure that proper books of accounts are maintained at any given time within the region.
• In charge of fixed asset management at the region.
• In charge of preparing monthly and quarterly reports for the regions such as quarterly cash flow projections and rent schedules.
• In charge of preparing the yearly regional budget.
• Loan analysis appraisal, approval and recommendation
• Handling of all customer related issues pertaining to their loan payment and accounts maintained at the bank
• In charge of ensuring that portfolio quality within the region is maintained through credit risk mitigation.
• Providing support to both internal and external audit.
• Handling all customer complains in relation to CRB related issues
• Ensuring that the credit application approval are within the sustainable financing framework and guidelines.

Assistant Accountant at PERIPHARAL ENTERPRISES (2007-03 – 2008-12)

• Follow up debtors who exceed their credit period
• Petty Cash handling and administraton
• Bank reconciliation
• Marketing of the company.
• Computation of VAT and yearly returns
• Interpreting and analyzing financial statements
• Preparing and submitting weekly reports for evaluation.
• Assisting in payroll preparation
• Meeting with complainants and respondents for amicable solutions to complaints.
• Raising of internal requisition for approval
• Creditors payment and creditors account reconciliations
• Fixed asset coding and asset management.
• Keeping daily record of transactions

Certificate in Training of trainers (TOT) program – Impact Africa consulting Limited (2024-12)

Certificate in Customer relationship and credit management training – Impact Africa consulting Limited (2024-11)

Certificate in Environmental social and governance – Impact Africa consulting Limited (2024-10)

Certificate in Leadership development programme – Impact Africa consulting Limited (2024-10)

Certificate in Problem credit and portfolio Management – International leadership university (2023-02)

Certificate in Customer Experience, Selling technique and Business Etiquette training – Royalle international (2021-09)

Certificate of proficiency in insurance (COP) in Insurance – College of insurance (2021-09)

Certificate in Credit appraisal & Management (2013-09)

Certified Public Accountant (C.P.A Part 2 section 4) in Accounting (2006 – 2008)

Certificate in Information Technology – ST.John Riruta computer college (2004-06)

Kenya Certificate of Secondary Education – Ithanga Secondary School (1999 – 2002)