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Skills
Experience
Corporate Credit Sanctioning Manager
Absa Bank Kenya
2021-01 -
Ensured high credit quality across a wholesale portfolio that includes letters of credit, guarantees, short‑term loans, overdrafts, asset‑based financing, mortgages, trade finance and agribusiness facilities, driving a five‑fold asset growth and 10 % YoY increase. Reduced approval turnaround from five days to 24 hours while independently approving an average of three proposals per day (average ticket KES 20 million, KES 1.2 billion monthly). Contributed to a ten‑fold SME portfolio growth in 2021/22 and sustained 10 % YoY expansion despite macro‑economic pressure. Lowered impairment ratio by 5 % and kept non‑performing loans at 15 % against industry benchmarks through rigorous underwriting and proactive recovery. Embedded a risk‑appetite grid and post‑sanction reviews, achieving a satisfactory audit rating and eliminating policy breaches, while driving process automation through new credit software.
Finance Business Partner
Absa Bank Kenya
2020-01 - 2020-12
Analyzed cost estimates and budgets across all categories, generating monthly savings of KES 50 million through reductions in utilities, transport and data expenses. Prepared monthly performance, variance and cash‑flow forecasts, delivering timely reports for board meetings and regulatory submissions. Identified and mitigated internal fraud and cost‑escalation risks, avoiding potential losses and protecting revenue. Operationalized the 2021‑2023 cost mid‑term plan, keeping expenses within 5 % of the revised budget despite inflationary pressures. Presented cost‑driver analyses that informed outsourcing decisions and lease non‑renewal, contributing to the 5 % cost‑efficiency target.
Credit Underwriter
Absa Bank Kenya
2001-01 - 2019-12
Originated and sanctioned an average of five loan proposals per day (average ticket KES 8 million, KES 500 million monthly) within approved risk parameters, covering construction financing, asset‑based lending and trade finance. Monitored construction projects, achieving 95 % completion on schedule and keeping cost overruns below 5 %. Introduced a paperless credit application process and an in‑house background screening system, recovering KES 20 million annually from previously written‑off debts. Coordinated with external service providers for securitisation documentation, ensuring compliance with service level agreements. Maintained a diary system for overdue accounts, facilitating timely draw‑downs and adherence to sanction conditions.
Languages
English
fluent
Last updated: 2 hours ago