Ernest Mwaniki
ISHIARA
Summary
I seek a long-term career in socio-economics, planning and community development so as to empower and build the capacity of community members for structural development, with the aim of improving community livelihoods, environmental equity and sustainable development of the society as a whole. Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships.
Overview
6
6
years of professional experience
Work History
LOANS OFFICER
TOWER SACCO LTD
07.2022 - Current
- Delivered high levels of customer service to facilitate smooth processes.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Recommended loan approvals and denials based on customer loan application reviews.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
MICRO CREDIT ASSISTANT
TOWER SACCO LIMITED
07.2019 - 06.2022
- Reviewed credit applications and financial statements to assess risk and determine appropriate terms for customers.
- Maintained customer files, including credit histories, payment records and account status information.
- Monitored customer accounts to ensure timely payments were made in accordance with established terms.
- Assisted in the collection of delinquent accounts by following up on past due balances via telephone or mail correspondence.
- Generated monthly aging reports for management review of customer account status.
- Provided technical assistance to internal staff regarding credit policies and procedures.
- Developed strategies for reducing bad debt write-offs and increasing collections efficiency.
- Performed periodic reviews of existing customers' credit limits based on changes in financial condition or industry trends.
- Analyzed current market conditions to identify areas of opportunity for expanding sales through extended credit lines.
- Conducted detailed analysis of customers' financials prior to granting additional lines of credit.
LOANS OFFICER
ASA INTERNATIONAL KENYA LIMITED
06.2018 - 07.2019
- Developed and maintained relationships with potential customers to increase loan business.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Approved or denied loan applications based on established guidelines.
- Analyzed financial data to determine the feasibility of granting loans.
- Assisted in the development of new products and services for loan customers.
- Conducted risk analysis to identify potential losses associated with certain loans.
- Monitored changes in relevant federal regulations related to lending practices.
Education
Master of Science in Economic policy analysis and management-On Going -
MASAAI MARA UNIVERSITY
02.2024
Bachelor of Arts in Economics and Sociology and attained second class honours upper division. -
LAIKIPIA UNIVERSITY
01.2016
Kenya Certificate of Secondary Education and scored a B+. -
A.C.K GITII SECONDARY SCHOOL
01.2011
Kenya Certificate of Primary Education and scored 335 MARKS -
C.E.B KARUARI PRIMARYSCHOOL
01.2007
Skills
- Team player
- Facilitation skill
- Problem solving skills
- Proposal and Report writing
- Computer and SPSS skills
- Analytical skills
- Coordination and leadership skills
- Database Management
- Credit Analysis
- Financial Assessment
- Document Analysis
- Portfolio Management
Personal Information
- ID Number: 29159664
- Age: 31 YEARS
- Gender: MALE
County
EMBU
References
- Reuben Munene Kithinji, Winas Sacco Limited, P.O Box 699-60100 Embu-Kenya., 0725125333, reukithinji@gmail.com
- Brian Kinoti, Asa Kenya Limited Embu Branch, P.O Box 59-2420-00606, Nairobi Kenya., 0726456069
- Mr Ishmael Kingori, Relationship Officer, Bank Of Africa Ltd Embu Branch, P.O Box 69562-00400, Nairobi-, 0720421796, ishmael.kingori@gmail.com
Hobbies and Interests
- Travelling/exploring
- Reading
- Watching news
Timeline
LOANS OFFICER
TOWER SACCO LTD
07.2022 - Current
MICRO CREDIT ASSISTANT
TOWER SACCO LIMITED
07.2019 - 06.2022
LOANS OFFICER
ASA INTERNATIONAL KENYA LIMITED
06.2018 - 07.2019
Master of Science in Economic policy analysis and management-On Going -
MASAAI MARA UNIVERSITY
Bachelor of Arts in Economics and Sociology and attained second class honours upper division. -
LAIKIPIA UNIVERSITY
Kenya Certificate of Secondary Education and scored a B+. -
A.C.K GITII SECONDARY SCHOOL
Kenya Certificate of Primary Education and scored 335 MARKS -
C.E.B KARUARI PRIMARYSCHOOL
Similar Profiles
Jacinta Wandiri NyagaJacinta Wandiri Nyaga
Branch Manager at Tower Sacco LimitedBranch Manager at Tower Sacco Limited
BENSON NG'ANG'A NDUNG'UBENSON NG'ANG'A NDUNG'U
ICT Manager at Githunguri Dairy and Community Sacco Limited (GDC Sacco Ltd)ICT Manager at Githunguri Dairy and Community Sacco Limited (GDC Sacco Ltd)
Placide NsabimanaPlacide Nsabimana
Accounting Intern at SACCOAccounting Intern at SACCO