JOEL MUGAMBI M.
CREDIT RISK ANALYST
|Place of Birth :
Date of Birth : //
Nationality : Kenyan
Language : English and
: – Nairobi Kenya
Cell Phone: :+
value and economically empower my clients through offering customer
focused and timely services to them.
CREDIT RISK ANALYST FINA BANK LIMITED
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
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
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.
ASSISTANT CREDIT MANAGER – EQUITY BANK LIMITED
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.
S.M.E RELATIONSHIP OFFICER EQUITY BANK LIMITED|
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
University of Nairobi
Qualification : Master
of Business Administration
Qualification : BA Economics
Qualification : KCSE
Saint Paul’s Primary School
Qualification : KCPE
|| : Kenya School
of Professional studies
Qualification : certificate
in Information Systems Management
School of Monetary Studies
Qualification : Certificate
in Banking & Finance
Currently : University
of Nairobi Pursuing
Qualification : Master of Business Administration
Working knowledge of the
Finacle and Equinox banking systems.
Information Systems management.
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
Doing research work on finance
Reading and watching financial
Mr. John Kanai
Equity Bank Limited
Equity Bank Ltd
Corporate Risk Analyst
Fina Bank Ltd