Periz Ochang

Accomplished and results-driven finance and banking professional with over 18 years of progressive experience in credit management, business banking, and customer relationship management within leading financial institutions. Proven expertise in credit risk assessment, underwriting, and portfolio management with a strong focus on regulatory compliance and operational efficiency. Demonstrated ability to lead credit committees, drive financial analysis, and implement effective debt recovery strategies.

Adept at building and maintaining client relationships, delivering tailored financial solutions to SMEs, corporates, and salaried customers. Strong leadership in staff training, credit operations, and stakeholder coordination.

Relationship Manager - Credit - Equity Bank Limited

(2025-03)

• Leading the credit underwriting process and chairing the Branch Credit Committee to ensure timely and sound credit decisions
• Monitoring the lending process to ensure full compliance with internal procedures and regulatory requirements
• Working closely with Commercial teams to implement and track credit approval conditions for seamless disbursement
• Acting as the liaison between the branch and regional credit office to align credit operations and resolve escalations
• Preparing and submitting credit reports including PAR analysis, portfolio distribution, and monthly performance updates
• Coordinating the perfection of securities by liaising with the legal team and head office to ensure timely processing
• Enforcing adherence to credit policies, regulatory guidelines, and Service Level Agreements with stakeholders
• Supporting staff training on credit products, lending processes, and portfolio quality management as a subject matter expert

Credit Administrator - Equity Bank Limited

(2021-01 - 2025-03)

• Managed and optimized the branch's credit portfolio, ensuring sustainable growth and profitability
• Conducted comprehensive credit risk assessments and appraised loan applications for large-scale financing
• Enforced compliance with credit policies, procedures, and regulatory guidelines
• Oversaw loan processing, disbursement, and recovery strategies to minimize non-performing assets
• Established and nurtured client relationships, providing tailored financial solutions for SMEs and corporate clients
• Performed portfolio analysis and reporting, including credit risk monitoring and income leakage prevention
• Spearheaded marketing initiatives to promote bank products and attract new clientele
• Collaborated with stakeholders, including government agencies, legal teams, and valuation experts, to facilitate seamless business operations

Relationship Officer – Business Banking (SME) - Equity Bank Kenya Limited

(2018-01 - 2021-01)

• Managed business segment customer relationships, driving revenue growth through personalized banking solutions
• Developed and executed client acquisition strategies via networking, referrals, and digital marketing campaigns
• Led financial literacy and business training programs for MSMEs and SMEs to enhance financial inclusivity
• Conducted credit underwriting, ensuring adherence to banking policies and risk mitigation measures
• Monitored portfolio performance, proactively managing potential delinquencies and restructuring credit facilities
• Cross-sold banking products and services to maximize customer value and increase bank revenue streams
• Ensured exceptional customer service delivery, aligning with service-level agreements (SLAs)
• Analyzed financial statements to evaluate loan feasibility and support informed lending decisions

Relationship Officer – Personal Banking - Equity Bank Kenya Limited

(2008-01 - 2018-01)

• Managed salaried segment customers, offering tailored banking and financial solutions
• Prospected and maintained a strong customer pipeline through referrals, cold calls, and institutional partnerships
• Conducted MOU sensitization programs to strengthen employer-bank relationships and increase product uptake
• Facilitated loan origination, credit documentation, and end-to-end processing for personal and salary-based loans
• Performed risk assessments and ensured compliance with credit policies before loan approvals
• Led marketing initiatives for personal banking and insurance products to enhance customer retention
• Delivered exceptional customer service, ensuring seamless banking experiences
• Analyzed borrower financials and creditworthiness, optimizing the bank's risk exposure

Credit Officer - S.M.E.P (Small & Micro Enterprise Program)

(2006-01 - 2008-01)

• Conducted community outreach and group mobilization for microfinance lending programs
• Marketed financial products and facilitated business management training for clients
• Assessed loan applications, conducted appraisals, and ensured proper loan disbursement and recovery
• Monitored portfolio performance, reducing default rates through proactive follow-ups
• Managed financial reconciliations, petty cash, and monthly ledger reporting
• Assisted in regulatory compliance, ensuring adherence to microfinance lending policies
• Implemented collection strategies, resolving customer delinquencies effectively
• Evaluated credit reports, financial statements, and property appraisals for lending decisions

Intern - Teleposta Sacco

(2005-07 - 2005-08)

• Assisted in bookkeeping, loan servicing, and cash office transactions
• Audited financial records to ensure compliance with regulatory standards
• Provided customer consultations, guiding clients on financial products and services

Bachelor's Degree - Finance - Cooperative University of Kenya - Karen

Diploma - Co-operative Management - Cooperative University of Kenya - Karen