Festus Matere

Results-driven Credit Officer with practical experience in loan appraisal, portfolio management, client follow-up, and credit collections within microfinance institutions. Strong background in credit analysis, repayment monitoring, and customer engagement while ensuring compliance with credit policies and ethical collection standards.

Loan Officer – Credit & Collections at 4th Generation Capital (2024-02 – 2026-02)

• Conduct client assessments, loan appraisals, and credit analysis in line with institutional policy.
• Monitor repayments and follow up overdue accounts to improve on-time collections.
• Carry out field collections and negotiate repayment plans with delinquent clients.
• Deliver financial literacy and business training to enhance repayment behavior.
• Prepare weekly and monthly portfolio performance and collection reports.
• Ensure compliance with credit policies and support risk mitigation initiatives.

Human Resource Intern at Premier Credit Limited (2023-01 – 2023-11)

• Managed staff records and ensured accurate documentation.
• Supported recruitment, onboarding, and performance management processes.
• Assisted in payroll preparation, staff welfare, and HR compliance.

Human Resource Intern at Teacher Service Commission – Tongaren Sub-County (2022-01 – 2022-05)

• Time keeping and data management.
• Asset management and registry operations.
• Support of training procedures.

Diploma in Human Resource Management – Eldoret National Polytechnic (2019-03 – 2022-11)