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.
