Manager Trade Finance - Bank of Africa
(2025-01 - 2025-06)
Bank of Africa (BOA) is a pan-African banking and financial group with a presence in 19 countries. It operates through a network of 18 commercial banks.
- Growth of trade finance portfolio across the 21 branches in Kenya through branch support. This includes growth of the bank's trade finance business and hence growth of income.
- Training staff on various trade finance products in order to increase better understanding of trade finance space.
- Increase FI business through increasing trade lines with various financial institutions and commercial banks across the region.
- Help in structuring trade deals on behalf of customers.
Relationship Manager Trade Finance and Corporate Banking - Sidian Bank
(2023-01 - 2024-12)
Sidian Bank, formerly known as K-Rep Bank, is a commercial bank in Kenya with tier 3 status. The bank has 43 branches spread across the 47 counties with an asset and liabilities book of over 47B and 24B respectively. Expanded corporate customer base through targeted acquisition of corporate entities and high net worth individuals, increasing market share and portfolio diversity.
- Achieved business growth by managing strategic client plans and facilitating increased product volume, client acquisition, and product range expansion.
- Implemented comprehensive credit application processes, including analyzing financial documents and presenting loan applications to the Credit Committee.
- Managed portfolio performance through continuous monitoring and ensuring compliance with bank policies and regulatory requirements.
- Facilitated compliance with bank policies and regulatory requirements, collaborating with risk and compliance units to mitigate operational and business risks.
- Initiated and managed AML/CFT and environmental social management procedures, reporting directly to the Head of Corporate and Trade Finance.
Relationship Manager Corporate Banking - Consolidated Bank of Kenya Limited
(2013-01 - 2023-12)
Consolidated Bank is fully owned by the Government of Kenya with the majority shareholding of (93.4%) held by the National Treasury through the Deposit Protection Fund. The remaining shareholding is spread over twenty-five parastatals and other government related/controlled organizations. Maintained a Portfolio at Risk (PAR) below 5% and non-performing loan rate at 1% through rigorous risk assessment, proactive management, and early intervention strategies, ensuring a healthy and profitable loan book.
- Managed corporate customer relationships and facilitated business growth by marketing assets and liabilities, while providing timely information on bank products to boost customer businesses.
- Implemented rigorous loan evaluation processes and achieved efficient credit management by preparing and presenting submissions for Head Office approval within strict deadlines.
- Initiated and maintained a strong network of long-term professional connections, effectively expanding the bank's corporate client base.
- Achieved full compliance with credit policy by implementing thorough security perfection procedures, ensuring all securities were properly vetted before the disbursement of approved facilities.
Credit Officer - Consolidated Bank of Kenya Limited
(2010-01 - 2012-12)
Reporting to the head of credit, responsibilities included:
- Managed non-performing loans by analyzing and evaluating loan restructure proposals, facilitating solutions for customers struggling with monthly installments.
- Implemented rigorous security management processes, ensuring current insurance on held securities, maintaining proper documentation, and safeguarding perfected securities.
- Achieved effective loan portfolio monitoring and initiated recovery measures for defaulting clients, while maintaining positive customer relationships.
- Facilitated a balanced approach between the bank's interests and client needs, reporting directly to the head of credit to ensure alignment with organizational goals.
Credit Officer - Equity Bank
(2005-01 - 2010-12)
This is a tier 1 bank with subsidiaries in Kenya, Uganda, South Sudan, Rwanda, Tanzania, DRC, and a Commercial Representative Office in Ethiopia; with additional non-banking subsidiaries engaged in the provision of investment banking, custodial, insurance, philanthropy, consulting, and infrastructure services. The position involved comprehensive management of client accounts, focusing on establishing and maintaining effective relationships while providing advisory support on products, contract negotiations, and risk analysis. Maintained a Portfolio at Risk (PAR) below 5% and non-performing loan rate at 1% through rigorous risk assessment, proactive management, and early intervention strategies, ensuring a healthy and profitable loan book.
- Managed the full loan lifecycle, from appraisal to disbursement, for new and existing credit facilities, while serving as a key member of the branch approval committee to facilitate loan approvals and recommend service providers.
- Implemented rigorous follow-up procedures and debt collection strategies, with a particular focus on maintaining and optimizing the Portfolio at Risk (PAR) for corporate clients.
- Achieved compliance with statutory requirements through diligent credit management analysis and generation of comprehensive audit reports, ensuring the integrity of the credit portfolio.
- Initiated and executed recovery measures for defaulting clients, including the strategic realization of securities, balancing the need for debt recovery with maintaining client relationships.
- Achieved full compliance with credit policy by implementing thorough security perfection procedures, ensuring all securities were properly vetted before the disbursement of approved facilities.
