owennganga65

DUTIES AND RESPONSIBILITIES
• Conducted comprehensive credit analysis by reviewing financial statements, bank statements, CRB reports, cash flows, and repayment capacity to assess creditworthiness and support lending decisions.
• Prepared credit appraisal reports, performed financial ratio and risk analysis, evaluated collateral, and recommended loan facilities in line with credit policies and risk appetite.
• Processed and verified loan documentation, coordinated the execution of loan agreements, offer letters, security documents, and KYC requirements, ensuring compliance before disbursement.
• Managed collateral documentation, including vehicle logbooks, insurance policies, valuation reports, and legal securities, while maintaining accurate physical and electronic credit records.
• Monitored loan portfolios, tracked post-disbursement conditions, prepared portfolio performance reports, identified high-risk accounts, and supported recovery initiatives.
• Collaborated with Relationship Managers, Legal, Finance, Operations, and Credit Risk teams to ensure efficient loan processing, regulatory compliance, and successful internal and external audits.

• Assisted in reviewing and processing loan applications, ensuring compliance with internal credit policies, regulatory requirements, and lending procedures.
• Conducted preliminary credit assessments by analyzing financial statements, bank statements, credit histories, and repayment capacity to support credit decision-making.
• Prepared and maintained accurate credit files, client records, and loan documentation while ensuring data integrity, confidentiality, and compliance with documentation standards.
• Monitored loan repayment performance, followed up on overdue accounts, prepared client reminders, and supported portfolio monitoring activities to minimize credit risk.
• Supported financial operations through transaction reconciliations, preparation of periodic financial reports, customer service support, internal audits, and management reporting while gaining practical experience in credit analysis and portfolio management.

DUTIES AND RESPONSIBILITIES
• Prepared and processed financial documents, including payment vouchers, invoices, claims, and Authority to Incur Expenditures (AIEs), ensuring accuracy and compliance with financial procedures.
• Verified and reviewed accounting documents, supported payment validation through the Integrated Financial Management Information System (IFMIS), and maintained proper financial records.
• Assisted in financial management activities, including vote book management, data capture, payroll reconciliation, cash management, and preparation of financial statements and books of accounts.
• Maintained accounting records, filing systems, and registries while developing technical accounting skills, attention to detail, and effective financial administration practices.