Loan/Credit Officer/ Relationship Officer/ Collection Officer- Operation Department With two year I have gained experience and skills in Credit Section like I have over two year experience at Agricultural Finance Corporation in Loan making, Calculating financial ratios (e.g. credit scores, 5C’s and interest rates), preparing weekly and monthly reports, Monitoring of loan progression and Arrears Management as per credit policy. Conduct client follow-ups for loan renewals, manage a quality portfolio. Review loan requests, Assessing clients’ financial status, Evaluating creditworthiness and risks analysis, setting up payment plans, Maintain updated records of loan applications, Monitor progress of existing loans, presenting to the Credit Committee meetings further review & recommendations and regular calls and visits to customers to ensure effective relationship management. Collection Section-Conduct proper follow-ups on all arrears, ensuring that delinquency is below the organization standard, Ensuring debts are recovered on time,regural phone calls to clients to remind them the payment date to prevent the loan falling into arrears, sending arrears notice, demand notice and statutory notices, recovery field visits, restructuring the loan, debiting clients for field visits and mileage costs and recommending for CRB listing. Business Growth, Area sales representative through sales and marketing and contacting of potential customers both new and existing clients. presenting our products and services to potential clients, identifying specific consumer characteristics and recommending ways to promote and sell our products, Answer customer questions about features, pricing and additional services and Collaborate with sales representatives from different territories to share best practices and support a cohesive sales approach.

INTERNSHIP PROGRAM AT AGRICULTURAL FINANCE CORPORATION – 6 MONTHS Credit section- in Loan making, Calculating financial ratios (e.g. credit scores, 5C’s and interest rates), preparing weekly and monthly reports, Monitoring of loan progression and Arrears Management as per credit policy. Conduct client follow-ups for loan renewals, manage a quality portfolio. Review loan requests, Assessing clients’ financial status, Evaluating creditworthiness and risks analysis, Accounting in handling general accounting principles such as bank reconciliations, petty cash management, the general ledgers, processing transaction in the system reconciliations,handling the preparation of monthly management reports, preparation of financial statements, Updating and maintaining procedural documentation, Ensuring payments, amounts and records are correct, budget projections and analysis and handling the management of cash flows. Teller/Clerical Officer, Like Recording transactions, which involves logging checks and preparing transaction reports. Counting and packaging currency. Reconciling cash drawers. Opening new accounts and helping with loan applications and promoting the bank's products and services. Customer services in customer relations having successfully resolved customer complaints by identifying problems and taking appropriate corrective action and demonstrated professional etiquette and manners when interfacing with customers. Administration like filling of documents, maintaining accounts records, preparing reports, handling of customers and interview prospect clients.

I have over three year in both auto spare sales and mechanics, being an influential auto spare sales team leader at Nyeri town at Nyeri auto spares and mechanics. I was responsible for:-  As a Sales executive and sales team leader was responsible for finding and supplying spare parts for automobiles, mechanical equipment, electronics and other consumer products for the safe and profitable operation of the dealership or retail store and customers.  Calling customers to advise them about service changes or car pick-up times. Maintaining positive customer relationships to ensure repeat business. Organizing sales visits to new and existing customers. Ensuring all details on services rendered and costs are related to customers and processing their payments.  Managing the stock/inventory, ensuring smoothing running of business.