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<pre>Array ( [var] => cut_url ) </pre> Resume for Joel Mugambi M. for Business Analyst / Banking in Nairobi, Kenya. Search More Resumes for Business Analyst on #IFX8SZARA

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Resume for Joel Mugambi M. for Business Analyst / Banking in Nairobi, Kenya

Occupation: Business Analyst Industry: Banking
Country: Kenya City: Nairobi
State: Nairobi Area ZIP: 254

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                                                       JOEL MUGAMBI M.

                                                         CREDIT RISK ANALYST                                                            

Place of Birth  : Meru NorthKenya

Date of Birth  : //

Nationality   : Kenyan

Language  : English and Kiswahili  

P.O Box             : – Nairobi Kenya

Cell Phone:  :+

Email                : 

CAREER OBJECTIVE To maximize value and economically empower my clients through offering customer focused and timely services to them.
Job Description
  • To analyze credit applications by reviewing financial capacity, business profile, industry position, repayment capability, collateral adequacy, Account conduct etc.
  • Prepare Credit Risk Appraisal Summary / detailed notes with appropriate recommendations for approval, rejection or amendments based on credit analysis.
  • Credit monitoring & Followup of Regular / Irregular accounts. Monitoring, Updating & Checking of various portfolio and regulatory reports.
  • To ensure credit facilities have been properly structured, pricing and collateral is adequate & there isn't any violation of internal or external regulations/policies.
  • Proactively assist in the implementation of the strategies and plans to achieve all volume, revenue, and profit targets for the Credit risk Management Function.
  • Proactively support the Head of Credit Risk in the development of Key Performance Indicators for the purpose of systematic performance monitoring and quality measurement of business customers and monitoring their progress.
  • Coordinate and liaise activities with branches, Treasury, Legal, Retail, Head Office support functions to provide prompt decisions on Credit proposals.
  • Provide timely and accurate information to the external and internal auditors and the Group’s compliance function when required.
  • Maintain and conduct activities in compliance with policies and procedures, regulations and prevailing best practices.
  • Analyze assigned credit proposals on overall basis to ensure accurate decisions are made, corrective measures where necessary are implemented on timely basis and to systematically evaluate the quality the same.
  • Provide technical expertise and guidance to Relationship Officers to ensure their credit proposals adequately address all relevant risk factors and meet minimum acceptable standards.
  • Identify and timely report on all negative events and early signals of potentially problematic accounts / relationships that are managed by the business function.
  • Analyze periodic Management Information / Business Information reports to ensure that customers are within established credit limits and that post approval conditions are adhered to.
    Job Description
  • Review and ensure that credit applications are in compliance with the credit policy, regulatory requirements, and procedures of the bank and highlight exceptions if any.
  • Act as backup for all areas under Credit Risk Department and provide support to other areas i.e. Credit Monitoring and Administration Credit Development etc
  • As and when required provide input into credit process development; business and credit policy development Recommend ways to continuously improve the process & increase efficiency while reducing the turnaroundtime.
  • Assess the credit risks and financial strength of new & existing customers, while continually monitoring developments in the energy, agricultural, financial and other sectors. This requires comprehensive analysis of a company's financial statement and a solid understanding of the business risks at hand. Ensure credit files are current and credit information maintained supports the credit limit established.
  • Analyze customer accounts to further assess credit capacity and to further negotiate credit terms and conditions. Work with other credit managers and officers at the branch to assess and manage potential stress exposures relative to credit profile and terms.
  • Administer the exchange of corporate guarantees, Letters of Credit, or other instruments used to mitigate counterparty risk. Work with Legal, Compliance, and Trade Finance to ensure guarantees and other credit related documents meet the set standards. Assist in negotiating related credit terms of trading contract agreements and ensure customer approval process is completed within established turn around times.
  • Work with other team members on expanding the use of credit risk mitigation tool's that allows the business units credit portfolio and customer base to grow while managing the risk profile within acceptable parameters, drive credit exposures down to a small fraction of current levels and further enhance the branch’s overall liquidity profile within acceptable standards.
  • Monitor credit exposures on daily basis to ensure compliance with established credit limits. Communicate exceptions and instructions to marketers, and business unit managers to ensure trades are entered into within acceptable risk parameters and Prepare management credit reports.
    Job Description
  • Assist the Senior Credit Manager SCM in ensuring that the credit proposal is accurate and in good form, addressing both the concerns of the Credit Risk and business objectives of the branch.
  • Prepare credit proposals which are accurate and in good form – ably balancing both     credit and marketing objectives with the overall objective of forwarding a workable proposition to the Credit Committee.
  • Facilitate the work load among the Junior Credit officers JCO under his /her fold.
  • Coordinate well with marketing managers for the status of the credit proposals
  • Ensure that the structured work process and turnaround time are being adhered to from receipt of complete docs from Marketing to the discussion phase with the Credit Manager, credit proposal preparation all up to the decisionmaking stage.
  • Assist in mentoring and developing the Junior Credit Officers JCOs’ technical capabilities.
  • As an S.M.E officer I was in charge of a loan portfolio of million at a portfolio at risk of %.  
  • EDUCATIONAL BACKGROUND Currently  : University of Nairobi

    Qualification  : Master of Business Administration


      : University of Nairobi

    Qualification  : BA Economics 

      : Burieruri High School

    Qualification  : KCSE Certificate 

        : Saint Paul’s Primary School

    Qualification  : KCPE Certificate 

    PROFESSIONAL BACKGROUND   : Kenya School of Professional studies

    Qualification  : certificate in Information Systems Management 

      : Kenya School of Monetary Studies

    Qualification  : Certificate in Banking & Finance  

    Currently  : University of Nairobi Pursuing

    Qualification  : Master of Business Administration Strategic Management



  • Working knowledge of the Finacle and Equinox banking systems.
  • Research Skills
  • Managerial skills. 
  • Information Systems management.
  • Analytical Skills.
  • Was a head of credit at Equity Bank’s Mombasa branch.
  • Done a dissertation on the impact of finance Liberalization on the interest rate spread in Kenya.        
  • Blood donation with the Red Cross International.
  • Clean Driving License.
  • Was a Member of the Economic student association at the University of Nairobi.


  • An appreciation for Arts and passion for sports.
  • Part time writing on financial issues.
  • Doing research work on finance and Economics
  • Reading and watching financial news.
           Mr. John Kanai

                Credit Manager

                Equity Bank Limited

                Meru branch



      Peter Kanyi

                Credit Manager

                Equity Bank Ltd

                Mombasa Branch

                Cell Phone:


                     Charity Mwaura

                Corporate Risk Analyst

                Fina Bank Ltd

                Cell Phone:


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