BRIAN OTIENO OMONDI

• Demanding and enforcing repayment of the assigned problem accounts.
• Collecting and writing back to profit and loss from assigned accounts within set targets.
• Monitoring arrangements for payments from problem account holders.
• Attending public auctions as Credit Bank's representative.
• Monitoring, collecting and managing problem account portfolio within all customer segments and returning the accounts to performing status, reducing slippage into NPL and/ or recover entire outstanding accounts.
• Liaising with Legal Department on recovery litigations and where legal interpretations are required.
• Conducting detailed negotiations with customers, obtaining commitment to implement appropriates strategies and actions to cure accounts as well as collect overdue payments.
• Analyzing and recommending for approval turnaround/cure propositions and strategies.
• Managing customer relationships where turn around strategies has been activated to ensure cure of accounts as well as managing the Banks credit risk exposure.
• Proactively managing relationships with key stakeholders, internal and external including service providers, potential off takers of assets held as collateral, etc.
• Preparing and submitting required reports to the BCC, NPA & CRMC Committees in a timely manner and working on provisions.
• Management of write off accounts and making sure the accounts are paid to help generate more profit to the company.
• Preparing and submitting regular and problem account reports as required.
• Maintaining proper Debt Recovery documentation. Ensuring timely issue of relevant notices to customers that form the debt recovery process, ensuring that all 90+ days past due files are properly maintained and have up to date file notes and ensuring data integrity for all 90+ days past due is maintained.
• Improved team morale and performance with consistent feedback and recognition of achievements.
• Increased operational efficiency by conducting regular training sessions for junior officers.
• Conducted regular reviews of operations and identified areas for improvement.
• Helped meet changing demands by recommending improvements to business systems or procedures.
• Provided reporting for forecast analysis and ad-hoc reporting in support of decision-making.
• Mentored junior staff members, helping them develop their skills and advance in their careers.
• Coordinated cross-functional teams to address complex issues, leading to more efficient problem-solving processes.
• Delivered high-quality training programs, enhancing employee skill sets and contributing to professional development efforts.
• Streamlined report writing processes, allowing for quicker turnover and more accurate record-keeping.

Demanding and enforcing repayment of the assigned problem accounts.

• Management of write off accounts and making sure the accounts are paid to help generate more profit to the company.
• Management of collection firms and monitor the accounts allocated to them so that maximum collections is achieved and help them with all needed information on the customers
• Collecting and writing back to profit and loss from assigned accounts within set targets.
• Monitoring arrangements for payments from problem account holders.
• Attending public auctions as Credit Bank's representative.
• Monitoring, collecting and managing problem account portfolio within all customer segments and returning the accounts to performing status, reducing slippage into NPL and / or recover entire outstanding accounts.
• Liaising with Legal Department on recovery litigations and where legal interpretations are required.
• Conducting detailed negotiations with customers, obtaining commitment to implement appropriates strategies and actions to cure accounts as well as collect overdue payments.
• Managing customer relationships where turn around strategies has been activated to ensure cure of accounts as well as managing the Banks credit risk exposure.
• Proactively managing relationships with key stakeholders, internal and external including service providers, potential off takers of assets held as collateral, etc.
• Preparing and submitting required reports to the BCC, NPA & CRMC Committees in a timely manner and working on provisions.
• Preparing and submitting regular problem account reports as required.
• Maintaining proper Debt Recovery documentation. Ensuring timely issue of relevant notices to customers that form the debt recovery process, ensuring that all 90+ days past due files are properly maintained and have up to date file notes and ensuring data integrity for all 90+ days past due is maintained.
• Worked closely with credit bureaus to update debtor credit reports accurately after successful collections or settlements.
• Utilized skip tracing techniques to locate hard-to-find debtors, increasing the likelihood of successful collections efforts.
• Managed a large caseload of diverse accounts, prioritizing tasks to maximize recovery rates and maintain client satisfaction.
• Assisted in the development of new policies and procedures to increase overall efficiency within the department, leading to improved team performance.
• Analyzed portfolio trends to identify potential risks or areas requiring improvement within the department''s operations, contributing to proactive strategy adjustments.
• Established positive working relationships with external agencies such as courts, lawyers, and bailiffs to facilitate smoother execution of legal actions towards debt recovery.
• Developed a keen understanding of debtor motivations and behaviors through active listening skills, enabling more effective negotiation tactics.
• Streamlined internal processes for faster results by optimizing workflows and prioritizing high-impact cases.
• Minimized company risk exposure by adhering strictly to federal regulations and industry best practices during all collection activities.
• Increased debt recovery rates by implementing efficient collection strategies and maintaining strong communication with clients.
• Conducted thorough research on debtor financial situations, enabling more targeted and effective collection strategies.

• Monitor all bank deposits and payments.
• Ensure financial records are kept up-to-date with the latest transactions and changes.
• Perform periodic financial analysis to detect and resolve problems.
• Financial monitoring and reporting.
• Set loan recovery targets collaboration with the supervisor and submit reports on performance against targets on a monthly basis.
• Reconciling daily, monthly and yearly transactions.
• Create a repayment plan in agreement with the debtor based on the company policy. This will include setting up monthly payments or an agreed -upon settlement.
• Ensure that debtors receive timely reminders and statement on their accounts status. Create monthly and quarterly reports providing details regarding payments received outstanding accounts.
• Keep records and reports bi -weekly on the interactions with various clients.
• Monitor payment of various debtors so that collection target is reached on monthly basis.
• Ensure that debtors follow the repayment schedule as outlined and follow upon prompt and timely repayment of the loan.
• Correct customer misunderstandings on product policies and terms..
• Managed to process loans to over 100 customers within one month in 2022.
• Minimized risk exposure by performing comprehensive financial analysis to make well-informed credit decisions.
• Demonstrated excellent problem-solving abilities, addressing complex credit-related challenges and developing viable solutions to minimize potential risks.

• Achieving set annual and monthly targets for multimedia advertising sales.
• To increase advertising opportunities for KTN which will translate to higher revenues.
• I managed to onboard over 30 customers to the institution within 2 months.
• Develop strategy to increase sales volumes and market share.
• Maintaining close and effective contact with clients, and carrying out necessary public relations initiatives to ensure customer satisfaction.
• Attending daily sales review meetings for updates and feedback.
• I managed to bring new business with a turnover of 200 million.
• Championed organizational change initiatives, resulting in improved employee engagement levels and workplace culture improvements.
• Cultivated a high-performance culture rooted in accountability, transparency, trustworthiness, and continuous learning to drive company success.
• Implemented data-driven decision-making to optimize resource allocation, driving revenue growth for the company.
• Developed in-depth knowledge of each client's business through research and regular on-site meetings.
• Consistently exceeded sales targets through diligent tracking of leads, systematic follow-up strategies, and excellent closing skills during negotiations.
• Drove continuous improvement within the organization by establishing performance metrics and monitoring progress toward goals regularly.
• Developed strategy to combat increased competitive presence within territory.

• Manages the day -to-day collections and or recovery to ensure losses are minimized by the effective implementation of collections and Recoveries strategy.
• Highlights and analyses credit failures to identify ways of improving the credit approval process.
• Understand and explain benefits of repayment and credit history to customers.
• Correct customer misunderstandings on product policies and terms.
• Educate customers on consequences for late payments and help them to come up with payment plan.
• Apply the best skills in customer approach and payment negotiations to ensure optimum results.
• I Managed to collect over 60 million in one month and helped to improve the general book and collections.
• Set up payment plans and follow-up schedule.
• Engage customers to a friendly conversation to establish reasons for nonpayment and provide best way forward and suggestions that result to collections.
• Monitor the payment plans for individuals and companies and follow up to ensure that Payments are adhered to within timeframe set.
• Prepare weekly progress report to the collection manage; call customers with overdue accounts to ensure that they repay their loan.

Collection of debts for and on behalf of Organization's Clients while maintaining utmost level of professionalism.

• Train other Account Managers as necessary to ensure operation efficiency in debt management.
• Administrate full and scheduled payment plans and resolve any valid disputes whilst tracking and monitoring the progress of independent legal firms used, as required, to recover debt through legal action.
• Assist Individuals or a company to repay their outstanding financial obligations in order to retain good credit standing in the business community.
• I managed to call approximately 80 customers on daily basis and prepare reports.
• Identifying suitable techniques for the collection of a Debtors relevant information including contacts and income.
• Monitor the payment plans for individuals and companies and follow up to ensure that payments are adhered to within timeframe set.

• Generating new business through systematic visiting of potential customers to prospect for business.
• I managed to be the best sales person in the year 2016 by meeting all my set targets and surpassing the target.
• Actively support product development and sales initiatives by branch through the identification of potential SME business and coordinating joint marketing activities and cross-selling bank products.
• Obtaining timely, relevant market intelligence feedback useful for product development.
• Obtain all customer information and documents required to open an account and ensure KYC compliance.
• Preparing regular sales activity and performance reports as required.
• Participating in shows, golf, exhibitions, golf tournaments and other marketing events to leverage on sales opportunities arising from such events.
• Marketing of SME loans, mortgages and ensuring they are disbursed on time.
• Active portfolio management and development by maintaining existing income sources.
• Developing and managing customer relationships with target customers through active and measurable call visit plans with all assigned customers and prospects.
• Active portfolio management and development by maintaining existing income sources.
• Provide outstanding relationship management and advice to a varied and challenging mix of business customers.