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
