Mayaka Margaret

A highly talented accounting professional with demonstrated experience in maintaining highly sensitive business transactions and performing accounting functions with expertise. Demonstrated proficiency in prospective loan analysis and establishing borrowers' worthiness. Superior analytical skills with expertise in financial statements, bank reconciliation, and general bookkeeping.

Excellent communicator, presenter and works well with individuals at all levels. Ability to integrate technology and best practices to increase accuracy and efficiency of company practices.

Credit Underwriting Analyst at Aventus Technology Ltd (2023-05 – Present)

Fintech Company - Responsible for underwriting loans and preparing presentations, decision-making on credit applications, and credit portfolio management.

• Responsible for Underwriting loans and preparing presentations
• Takes decisions on credit applications under supervision of senior underwriting team
• Utilizes provided software to score credit applications
• Establishes rapport, maintains and grows important relationships with the clients and portfolio
• Performs annual reviews on clients to determine credit worthiness of visibility to granting loans
• Assesses credit opportunities, identify key risks and structures alternative working with relationship manager and underwriting team
• Responsible for conducting research on borrowers and industries ideal candidates
• Responsible for preparing in-depth credit packages
• Undertakes the analysis, evaluation and underwriting of proposed credit facilities for customers and prospects
• CRM management

Accountant at Wakenya Pamoja Sacco (2022-05 – 2023-04)

Responsible for posting head office cash journals, preparing non-cash documents, updating head office books, and managing statutory deductions and reconciliations.

• Posting head office cash Journal and controlling cash journals of various branches
• Prepare non-cash documents and dispatch them to branches
• Update of head office books
• Filling statutory deductions, NHIF, NSSF, VAT, WHT and PAYE
• Reconcile branch current Accounts and Resolving branch General Ledger Discrepancies
• Receiving Trial balance from Branches and Reconciling them
• Cheque posting and Cheque controlling and filling them
• Compilation of trial Balance and extraction of Consolidated trial balance
• MPESA Reconciliation
• Petty cash management
• Posting supplier invoices
• Payroll processing
• Running daily reports, GL and listings
• Handling reports discrepancies in both the Branches and at the Headquarter
• Providing audit team with the required information/documentation

Credit Officer at Wakenya Pamoja Sacco (2021-05 – 2022-05)

Business development and relationship management for credit products, loan processing, credit analysis, collection management, and reporting.

• Generates revenue through consistent delivery of customer, disbursement, and collection targets
• Drives repayment behavior by lending only what the business can afford, consistent follow-up, maintaining accurate records, negotiating repayment schedules, and setting discretionary limits
• Scouts markets for activation and develops referral networks to locate prospects for Sacco products
• Establishes, develops, and maintains a positive relationship with Sacco Customers, Partners, Area Leaders, and relevant local authorities
• Obtains information from loan applicants and answers questions about the loan process
• Analyses and verifies applicant's financial status, personal and business information to determine the feasibility of granting loans
• Ensures efficient and prompt recovery of loans disbursed and interest accrued
• Negotiates payment arrangements with customers who have delinquent loans
• Maintains clear customer records, recording times and dates that contact has been made and noting information that customers have received about Sacco products
• Supplies the business with reports on customer needs, problems, interests, competitive activities, and potential for new products and services
• Prepares monthly financial statements, reports, and records by collecting, analyzing, and summarizing account information
• Handles customer complaints and takes appropriate action to resolve them
• Identifies and provides strategic work solutions to improve the operational efficiency

Intern at Wakenya Pamoja Sacco (2020-10 – 2021-04)

Internship role involving account reconciliation, transaction processing, and customer service.

• Verified the existence of all deposits, withdrawals, and imprest issued vouchers and balanced the figures on the same
• Posted monthly salary payments
• Opened new accounts for customers in the system
• Reconciled accounts
• Approved transactions using Microsoft dynamics nav system
• Endorsed payment vouchers to customers
• Posted M-Pesa transactions, encashment, and manual vouchers
• Made payments using POS
• Filled salary advance forms, answered inquiries, and checked loan forms to customers
• Recorded loan balances on excel sheet
• Recorded cheques

Content Supervisor at KNBS (2019 – 2019)

Content supervision role

Bachelor of Commerce in Accounting – Kenyatta University (2018)