Rhodah Chepchumba Sirma
Credit Manager
Nairobi
Summary
Degree in Commerce with more than 10 years of professional experience working as a Credit Manager and 25 years overall in the Banking Industry.
Overview
28
28
years of professional experience
Work History
Manager Remedial & Recoveries-MSME& Corporate
National Bank of Kenya Ltd
07.2016 - Current
- A management position that carries full responsibility for Remedial Recoveries and management process in respect of the asset portfolio.
- Develop and maintain co-operative relationships between all stakeholders in the recoveries value chain.
- Provide leadership to other credit managers.
- Continuously monitor the key recovery outcomes and adopt creative recovery strategies.
- Proactively provide feedback to the business on products which need to be reviewed.
- Optimize recovery costs.
- Reduce and maintain the bank’s Corporate & MSME non-performing book within the acceptable ratios.
- To undertake and follow-up clients for timely remediation of allocated portfolio by taking appropriate recovery actions in line with policy guidelines.
- To effectively communicate and negotiate with customers on their past due facilities while ensuring that subsequent actions on the facilities, if required, are not unduly delayed.
- Identification and escalation of recovery exceptions on own portfolio to reporting line that require approval or consideration of alternative recovery actions.
- Ensure adherence to all credit recovery processes in the course of working out/managing the assigned portfolio.
- Raising red flags on performance trends and forecasts of certain facilities, or industry sector and initiating pro-active strategies and recommendations of credit policy changes.
Manager Recoveries – Personal Credit
National Bank of Kenya Ltd
01.2015 - 06.2016
- Provide visible leadership to the Personal Banking recovery team.
- Reduce and maintain the bank’s personal Banking non-performing book within the acceptable ratios.
- Continuously monitor the key recovery outcomes and adopt creative recovery strategies.
- Proactively provide feedback to the business on products which need to be reviewed.
- Optimize recovery costs.
Manager-Personal Credit
National Bank of Kenya Ltd
01.2011 - 06.2014
- Appraise and approve credit applications in line with Credit Policy.
- Ensure compliance with credit policies.
- Develop credit risk policies.
- Supervise Credit Risk Management team in reviewing applications under Personal Credit lending.
- Implement credit risk policies relating to personal Credit.
- Conduct portfolio risk analysis.
- Provide recommendations on product pricing.
- Profitability and risk analysis.
- Monitor Credit TAT.
- Provide a point of contact for branches on personal credit risk policies.
Officer -Credit Department
National Bank of Kenya
01.2008 - 12.2011
Advances Officer -Hospital Branch
National Bank of Kenya
01.2005 - 12.2008
Officer-Personal Banking -Hospital/Kenyatta Avenue
National Bank of Kenya
01.2003 - 12.2005
Cashier- Kenyatta Avenue
National Bank of Kenya
01.2001 - 12.2003
Clerk-Kenyatta Avenue
National Bank of Kenya
01.1997 - 12.2001
Education
Diploma - Psychology
Presbyterian University of East Africa
Kikuyu, Kiambu District, KenyaDiploma - Business Administration
Kenya Polytechnic
Bachelor of Science - Commerce
University of Nairobi
Nairobi 04.2001 -
Skills
- Ability to adapt to any environment
- Good organization and management skills
- Good communication skills
- Excellent team player
- Self-motivated
- Honest
- Reliable
- Microsoft Office like Word,Excel,Powerpoint and Outlook
- Operations management
- Decision-making
Accomplishments
- Managed to turn around and upgrade several NPL accounts.
- Managed to be a among the top performers in departmental NPL recoveries dashboard over the past 5 years.
- Managed to single handedly source a corporate deposit of Kshs 200M to boost the bank’s liquidity in 2014.
Personal Information
- Gender: Female
- Nationality: Kenyan
Hobbies
During my personal time, I like immersing in all things art. I love decorating my home and going out to the garden to plant trees and exotic plants.
I also have a passion in cooking and discovering different recipes around the world.
These hobbies allow me to open up my mind and develop my hands-on skills
Timeline
Manager Remedial & Recoveries-MSME& Corporate
National Bank of Kenya Ltd
07.2016 - Current
Manager Recoveries – Personal Credit
National Bank of Kenya Ltd
01.2015 - 06.2016
Manager-Personal Credit
National Bank of Kenya Ltd
01.2011 - 06.2014
Officer -Credit Department
National Bank of Kenya
01.2008 - 12.2011
Advances Officer -Hospital Branch
National Bank of Kenya
01.2005 - 12.2008
Officer-Personal Banking -Hospital/Kenyatta Avenue
National Bank of Kenya
01.2003 - 12.2005
Bachelor of Science - Commerce
University of Nairobi
04.2001 -
Cashier- Kenyatta Avenue
National Bank of Kenya
01.2001 - 12.2003
Clerk-Kenyatta Avenue
National Bank of Kenya
01.1997 - 12.2001
Diploma - Business Administration
Kenya Polytechnic
Diploma - Psychology
Presbyterian University of East Africa
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