Lewis Too

Results-driven Credit Controller and Senior Credit Risk Professional with over 15 years of progressive experience in credit management, accounts receivable control, debt recovery, and portfolio risk monitoring. Proven expertise in evaluating creditworthiness, setting credit limits, reconciling complex accounts, and optimizing cash flow through proactive collections strategies. Strong background in high-volume reconciliations, dispute resolution, financial analysis, and process improvement.

CPA Finalist with advanced analytical, reporting, and credit risk mitigation capabilities.

Senior Credit Analyst - Letshego

(2023-01)

• Lead credit risk assessment for high-value customer facilities, ensuring prudent credit limit allocation and exposure management.
• Review and validate credit evaluations to maintain quality and consistency in credit decisions.
• Conduct advanced financial statement analysis and cash flow forecasting to support credit limit reviews.
• Monitor portfolio performance and proactively manage delinquent accounts to minimize default exposure.
• Analyze aged debt trends and recommend corrective collection strategies.
• Prepare detailed credit performance and debtor analysis reports for senior management.
• Drive continuous improvement in credit evaluation and debt monitoring processes to enhance efficiency and reduce risk.

Credit Analyst - Letshego

(2019-01 - 2022-12)

• Reviewed credit applications to assess client creditworthiness and ensure policy compliance.
• Conducted risk analysis to identify potential issues and recommend solutions.
• Monitored credit portfolios to track loan performance and detect early signs of default.
• Developed and refined credit policies and procedures to enhance efficiency and align with industry best practices.
• Provided guidance to clients on debt management, credit repair strategies, and sustainable financial planning.
• Prepared comprehensive reports on credit performance, portfolio health, and risk analysis for management decision-making.
• Conducted market research to uncover new lending opportunities and support business growth initiatives.
• Ensured strict adherence to KYC and AML regulations, minimizing financial and operational risks.

Relationship Officer Micro Credit - Equity Bank (K) Ltd - Nyamira & Kilgoris Branches

(2013-01 - 2019-12)

• Evaluated loan applications, assessing creditworthiness and recommending loan amounts.
• Coordinated loan disbursement and ensured timely repayments through follow-ups.
• Prepared regular reports on loan portfolio performance for management.
• Conducted risk assessments and helped restructure loans when necessary.
• Built and maintained strong relationships with clients to ensure satisfaction.
• Worked with other departments to resolve issues and ensure smooth processing.

Credit Collection Officer - Equity Bank (K) Ltd - Nairobi Head Office

(2010-01 - 2013-12)

• Loan portfolio monitoring to ensure timely repayments & proper documentation.
• Analyzing loan applications and assessing the creditworthiness of potential borrowers.
• Managing the risks associated with the bank's loan portfolio.
• Preparing regular reports on the bank's loan portfolio performance for all the branches.
• Worked with branch managers to ensure proper loan documentation and minimize errors.

Accountant - Korso Company Ltd - Eldoret

(2009-01 - 2010-12)

• Maintained accurate records of all financial transactions, ensuring proper documentation and compliance with accounting standards.
• Prepared financial statements, including balance sheets, income statements, and cash flow reports, to summarize the company's financial position.
• Managed accounts payable and accounts receivable processes, ensuring timely payments and receipts.
• Conducted internal audits and implemented internal control systems to ensure the accuracy and integrity of financial information.
• Provided regular financial updates and reports to management for informed decision-making.

Bachelor of Business Management - Finance and Banking Option - Moi University (2005-01 - 2008-12)

Certified Public Accountant (CPA) - Accounting - Kenya Institute of Professional Accountancy

Kenya Certificate of Secondary Education (KCSE) - Kericho High School