ERICK OPIYO
Mombasa,Mombasa District
Summary
A dedicated professional with expertise in mortgage lending principles and lending guidelines familiarisation. Demonstrates strong communication efficiency and adeptness in risk assessment techniques, debt recovery strategies, and customer relationship management. Proficient in Microsoft Excel and skilled in credit analysis, aiming to leverage these competencies to enhance financial operations and client satisfaction.
Experienced Credit Administrator known for streamlining processes and enhancing client relationships. Skilled in managing credit portfolios, resolving disputes, and ensuring compliance with regulatory standards. Successfully improved credit approval times and reduced overdue balances by implementing strategic policies.
Overview
15
15
years of professional experience
5
5
years of post-secondary education
Work history
Credit administrator
KCB Bank Kenya Limited
Mombasa, mombasa
2021.07 - 2026.09
- Monitored industry developments continuously; provided valuable insights for strategic planning.
- Served as primary point of contact for all matters related to credit control, providing clarity and streamlined communication channels across departments.
- Achieved faster turnaround times with meticulous documentation review.
- Used appropriate action to deal with bounced direct debit and cheque payments.
- Identified most pressing client debt cases to pursue.
- Monitored and responded immediately to messages and phone calls regarding credit control issues.
- Collaborated with sales team to ensure seamless credit approval process.
- Managed daily administrative tasks, ensuring smooth operations within the credit department.
- Tracked outstanding debtor balances and collected incoming cash on accounts whilst maintaining good customer relationships.
- Reviewed and submitted applications to management with recommendations.
- Documented client applications for personal, business and mortgage loans.
- Prepared documentation on loan repayment feasibility.
- Conveyed terms and conditions to applicants to inform about loan rates, repayment requirements and potential actions in case of default.
- Improved efficiency by streamlining credit administration processes.
Mortgage advisor
KCB Bank Kenya Limited
Mombasa, Mombasa
2011.05 - 2020.12
- Ensured compliance with regulatory standards throughout all procedures.
- Produced accurate documentation promptly, minimising delays in the lending process.
- Offered insightful advice on remortgaging possibilities based on market trends.
- Educated clients on various mortgage products to aid informed decision-making.
- Reduced application processing time with effective document management strategies.
- Promoted variety of insurance products relevant to mortgages, adding value to customer service.
- Developed personalised mortgage plans, enhancing client trust and loyalty.
- Explained payment terms and conditions for loans, offering one-on-one appointments for clients with complex loan needs to aid understanding.
- Adhered to all compliance guidelines for retail mortgage lending.
- Maintained up-to-date knowledge on mortgage market trends to develop robust business development strategies and accurate revenue forecasting.
- Consistently exceeded monthly sales targets using exceptional negotiation skills.
- Drove a culture of high productivity and continuous improvement by establishing KPI metrics across all sales operations.
Education
Bachelor of Arts - Economics, Political Science and Public Administration
The University of Nairobi
Nairobi,Kenya 2005.06 - 2010.06
Skills
- Mortgage lending principles
- Lending guidelines familiarisation
- Communication efficiency
- Risk assessment techniques
- Debt recovery strategies
- Customer relationship management
- Microsoft Excel proficiency
- Credit analysis
Languages
English
Advanced
C1
Affiliations
- Travelling
- Reading Novels/Journals
- Watching soccer
Timeline
Credit administrator
KCB Bank Kenya Limited
2021.07 - 2026.09
Mortgage advisor
KCB Bank Kenya Limited
2011.05 - 2020.12
Bachelor of Arts - Economics, Political Science and Public Administration
The University of Nairobi
2005.06 - 2010.06