Edna Wanjiru Mwangi

A Credit Management Consultant & Corporate Trainer, partnered with a range of institutions to strengthen their credit, lending, and recovery frameworks. Offering training sessions that are highly practical and results-oriented, tailored to empower frontline staff and management teams.

• Ensure compliance with internal Recovery policies and procedures, best practices and SASRA prudential guidelines to facilitate management of credit risks within tolerable levels.
• Ensure that ALL disbursed loans are fully repaid as stipulated in the terms and conditions to prevent loss to the institution due to prompt non-repaymentImplement performance management for direct reportsManage Non performing Loan accounts and discuss with customers on credit solutions as per the Collections and Recovery Process, and credit policy to reduce the loan.
• Ensure that documentations relative to the debts are up-to-date (Security documents, property valuation reports)
• Ensure legal recovery is done within a reasonable timeframe as defined in the Credit Recovery policy
• Actively participate in various credit/board committees and ensure execution of agreed actions
• Provide management on regular basis trend analysis of the portfolio and recommend credit measures to be applied
• Identify and monitor all risks associated with debt recovery
• Drive the team relentlessly to deliver as per agreed business objective and beyond
• Training and Consultancy 2018 to 2021
• Credit Management Consultant with Sacco’s and Microfinance institutions
• Credit Risk and Debt Management Trainer to both financial and non-financial institutions
• Consultant with debt collection companies where I offer consultancy on debt collection techniques and offer training to the debt collectors
• Trainings Conducted
• Credit Risk & Debt Management Training – The Kenya Bankers Lending staff
• Credit & Risk Management Training - Choice Microfinance Bank Lending staff
• Successful Collection & Debt Recovery Techniques – ECLOF managers & supervisors
• Credit Analysis & Appraisal Process. Security Management – credit controllers of various institutions in the service sector
• Strategic Credit & Debt Management – ECLOF debt recovery staff
• Loan monitoring & Portfolio Management – Unaitas Lending staff
• Efficiency in Credit Risk Management – Unaitas lending staff

• Company Overview: A financial lending institutions offering credit to both formal & informal businesses, personal lending, Agri-business lending and salaried persons.
• Accountable for operational and day to day deliverables to support recovery of overdue debts for the institution with 20 branches and a loan portfolio of 13b. Devised and executed the Debt Recovery strategy of the institution. Responsible for identifying and mitigation of risks associated with debt recovery; identifying training needs and building capacity in the unit. Technical advice on debt recovery matters to the executive and board management reporting. Responsible for initiation of foreclosures, debt negotiations and restructuring. Responsible for leadership that instilled a high performance culture on debt collection and recovery in the organization. Management of problem loans including loan workouts. Monitored credit quality by highlighting early warning signs of credit deterioration.
• Credit Head Risk & Recovery (march 2014-2015)
• Monitored credit trends in relation to business objectives and analyzed performance data. Generated opportunities for new business growth by drafting policies that drove improved compliance and risk protocols that complied with changing environment. Designed and instructed a training program to educate credit officers on cash flow analysis and loan structuring enabling the institution to improve the quality of its lending staff. Responsible for strategies and initiatives that ensured attainment of financial targets as per the business plan. Responsible for locating loan risk factors and giving solutions to the Executive for decision making. Liaising with key stakeholders to minimize portfolio losses.
• Credit Manager (nov 2011 – 2013)
• Developed and implemented the Credit policy and Credit strategy of the institution. Managed loan requests and made approval decisions. Ensured that loan standards were applied. Co-ordinated with team members to ensure customers received timely responses. Performed internal compliance checks of the credit procedures.
• Highlights
• Identified skills gap in the institutions lending process and gave recommendations for a new credit structure
• Introduced and Set up the institution’s Debt Recovery Unit from scratch
• Championed and oversaw the implementation of credit information sharing strategy in the institution
• Championed the SMART Campaign strategy in partnership with OIKO Credit
• Championed the review and implementation of the Credit Policy
• Instituted a culture of zero tolerance to loan arrears that saw delinquency reduced from 35% to 13% in a period of two years.
• Trained and mentored the Credit staff of loan appraisals and right targeting of borrowers
• Team leader of a team that grew disbursements by 100% in a period of 12 months
• Championed a campaign on loan portfolio ownership that brought a reduction in risks associated with lending.

• Company Overview: A Microfinance targeting women in the informal sector of the economy with both group lending as well as individual lending.
• Managed the Microfinance lending function in order to maintain a quality and profitable portfolio.Developed, monitored and made regular reviews of the institutions budget in order to achieve the annual business plans. Developed and implemented the operation’s policies and procedures. Devised and managed the strategic plans of the Credit business in order to align with the strategic plan of the institution.Risk management of the institutions portfolio. Cross-selling of institutions services and products to clientele.Participated in community events to position the institution as a leader within the territory.
• Highlights
• Built capacity in order to have an efficient and effective workforce
• Implemented risk control measures that reduced delinquency by 50% within a period of six months
• Developed and implemented a Youth Empowerment Program in Kiambu
• Introduced value adding credit products for the clientele.
• Launched and coordinated the value chain finance programs targeting farmers in Nyandarua &Kiambu
• Implemented credit policies and procedures that saw a reduction in the institutions operational risks as well as improved work flow.

• Managed the bank’s loan portfolio consisting of a wide variety of credit facilities to individuals, institutions and companies in the SME sector.Developed new loan products and new business relationships in the bank. Monitored the credit facilities in the bank’s SME sector; PAR management, staff recruitment and training in the sector. Developed and successfully launched the Asset finance and Insurance Premium finance products in the bank. Structured financing deals with the motor vehicle dealers
• Branch Credit Manager - Directed daily operations of the branch credit business with a portfolio of 1.2bn, business development, customer service, and credit analysis.Branch portfolio management, debt recovery, negotiation of settlements of debts and debt rescheduling.Managed a staff of 10 credit officers.Offered advisory services to bank customers i.e. micro, sme clients and high net-worth individuals with regard to their borrowing needs.Cross-sell banking services and products to clientele

• Administrative and support function of the Asset Finance Dept. Credit appraisals, Loan disbursements and loan recoveries. Debt negotiations with debtors and liaison with bank lawyers in respect to credit files. Board Management reports. Bills & Invoice discounting. Security bonds and issuance of bank guarantees
• Customer Service Officer - Customer service ensuring customer satisfaction; banking hall management. Liaison between the departments, front office and other branches on issues relating to deposits, funds transfer and customer queries.

• Bills discounting; Preparation of credit application proposals and collateral management. Issuance of bank guarantees and attending to various correspondences relating to credit