John Ng'eng'e

My name is John Ngugi Ng’eng’e, a holder of a bachelors of commerce banking and Finance (Second Upper) degree from

Kenyatta University and am currently pursuing an MBA (Finance) in the same

University. Am a former Head of Credit Administration at Co-operative bank of

Kenya. I hold extensive experience in Credit Management having worked for most of my banking career (with Co-operative bank-15 years)

in credit. The last six were been in Head office in Credit Administration supporting over 140 Branches and a portfolio of over KES 180 Billion.

(2014-2015) Head of Credit Administration department (Co-op Bank) with a team of 37 staff rendering service to a hundred and forty branches in the country

• Crafting plans and implementing plans for Credit Administration transformation within co-operative bank.
• Crafting Departmental policy manuals, securing sign offs by all stake holders and

Board of management Approvals.

• Operationalizing new units within credit Administration; creating Key Performance indicators and daily Monitoring staff performance.
• Creating workflow management tools to enhance efficiency and effectiveness in service delivery.
• Creating robust credit control mechanisms that do not hamper turnaround time.
• Creating Quality Assurance mechanisms and performing quality assurance checks to ensure that there is an excellent balance between quality and speed.
• Holding meeting and discussion with various stake holders to secure buying in, while imbedding process changes; ironing out areas of challenges; receiving feedback for process enhancement and communicating our expectations for more fruitful relationships.
• Representing the department in fortnight Credit Management Divisional Meetings to review and update on performance progress and assignment closure.
• Creating an effective, very highly motivated and cohesive credit administration team.
• Exposure to all Credit Management department (Retail and Corporate Analysis, Credit

Administration, Collection, and remedial through regular participation in divisional and committee meetings where credit management plans and decisions were made.

(2008-2014) Head of collateral Management managing Co-operative banks securities for over 5 years

• Leading and supervising a team of five staff.
• Management of all securities held by the bank.
• Custody of securities for Head office departments, that is, Corporate, Co-operatives,

Agribusiness, Mortgage finance, Asset Finance, Stabex and all Non-performing loan accounts.

• Ensuring insurance, payment of rates and rents and securities revaluation diaries are maintained and honored.
• Monitoring facilities to ensure that they are adequately covered throughout their credit life.
• Monitoring Structured and commodity finance and authorizing the release of commodities in conjunction with commodity finance department.
• Monitoring of securities input into the banks MIS by branches upon security perfection by legal Department.
• Undertaking securities audit for securities held in branches.
• Ensuring that the security release process remained robust, risk free and efficient.

(2000-2008) Micro Credit Business Development Officer with over 8 years’

experience

• Prospecting for new and repeat micro credit assets.
• Analyzing micro credit borrowing proposals and preparing micro credit loan documentation.
• Monitoring my micro credit loan portfolio to ensure performance as per contracts and

Micro Credit Policy.

• Recovery of a sizable loan portfolio.

Kenyatta University Master of Business Administration-(Completed course work and currently working on my project)-Expected year of completion 2023.

Kenyatta University Bachelor of commerce (Banking and finance option) Second Class Honours (Upper Division)

Advanced Diploma In Credit (The Chartered Institute of Bankers in Scotland)

Advanced Credit Risk Assessment (Culhan Consulting (SA)