Nancy Mutahi

Finance and credit management professional with 10+ years' experience in loan appraisal, credit analysis, risk evaluation, and customer relationship management. Skilled in financial reporting, delinquency control, and process improvement to enhance efficiency and support organizational growth. Strong communicator with proven expertise in cooperative finance systems and business development.

Credit Officer - Nyati Sacco Society Limited - Nairobi, Kenya

(2023-11)

• Analyses and evaluates loan applications, financial statements, and supporting documentation to determine client creditworthiness.
• Assesses credit risks, calculates financial ratios/credit scores, and recommends approval or rejection decisions in line with policy.
• Structures repayment schedules and monitors loan performance, ensuring delinquency rates remain below organizational targets.
• Maintains accurate, compliant loan documentation and updates client records for audit readiness and regulatory reporting.
• Advises clients on financial products, loan options, and repayment strategies, enhancing financial literacy and customer satisfaction.
• Collaborates with cross-functional teams to implement credit management best practices, resulting in improved loan turnaround time.

Loans Assistant - Nyati Sacco Society Limited - Nairobi, Kenya

(2015-02 - 2023-10)

• Processed loan applications within approved limits and ensured compliance with lending policies.
• Conducted financial analysis of applicants, including credit history, guarantor verification, and income assessment.
• Negotiated repayment terms with delinquent clients, improving recovery rates.
• Educated clients on loan products, terms, and credit options to support informed borrowing.
• Entered and maintained accurate financial data in digital systems for reporting and decision-making.
• Resolved customer complaints and inquiries, ensuring timely and professional service delivery.

Registry Assistant - Nyati Sacco Society Limited - Nairobi, Kenya

(2011-08 - 2015-02)

• Managed document filing systems, ensuring secure storage, retrieval, and archiving of loan files.
• Processed and distributed incoming and outgoing mail to relevant departments efficiently.
• Updated, labeled, and organized customer loan files to improve accessibility and compliance.
• Retrieved financial records and documents for staff and management upon request.
• Maintained accurate records by removing inactive files and updating client information.
• Ensured regulatory compliance in documentation handling, storage, and archiving processes.

Bachelor of Co-operative Business - Finance Option - Co-operative University College of Kenya (2014-09 - 2016-12)

Diploma in Co-operative Management - Railway Training Institute (2009-05 - 2010-11)

Kenya Certificate of Secondary Education (KCSE) - Gataragwa Girls High School (2005 - 2008)