George Mwangi Wanjeru
Credit Risk Manager
Nairobi,30
Summary
Dynamic Senior Officer with extensive expertise in credit administration and process optimization at UBA Kenya Bank Limited. Successfully enhanced credit performance and compliance through strategic financial analysis and strong team leadership. Recognized for exceptional report writing skills and a commitment to mentoring, fostering a high-performance culture aligned with organizational objectives.
Overview
24
24
years of professional experience
Work History
Senior Officer Credit Administration, Disbursement, Monitoring and Processing
UBA Kenya Bank Limited
06.2019 - Current
- Process optimization involves developing and implementing scalable processes to streamline loan issuance, from the approval application, ensuring efficiency and compliance with regulatory requirements and bank policy.
- Provide quality analysis to inform management on the credit performance of the bank portfolio, products, and customers, and provide regular reports and updates on credit performance, trends, and key insights to management and relevant stakeholders.
- This includes regular portfolio and product-level reporting, as well as managing ad-hoc investigations, causal diagnoses, and escalation of potential credit issues to management and the credit monitoring team at Head Office.
- Investigate and resolve credit-related issues, disputes, and delinquencies in a timely and professional manner and carrying out recovery measure for the various non performing accounts
- Keeping abreast of the industry specific knowledge and key development while staying attuned to industry and market risk development and trends in relation to customers and impact on underlying portfolios
- Review all credit accounts recommended for classification and facilitate eventual classification and provisioning as appropriate
- Design and implement initiatives and experiments geared towards improving and maintaining healthy credit performance across the Bank’s customer base
- Consolidate, analyse, and maintain economic and market data to be used in portfolio analysis, portfolio stress testing, and other departmental objectives as assigned
- Developing, reviewing, and updating the Bank's various credit related policies
- Leading transformative efforts in bad debt provisioning and adjustments, Interventions to improve credit performance contributing to the development of credit and financial models used by the bank, including but not limited to Expected Credit Loss (ECL) under the IRSR 9 provisioning and bad debt modelling and predictive loss rate models
- Monitor and report on key performance metrics on Bank’s core products including standard and non-standard forms of portfolio health and delinquency reporting and repayment rates
- Challenge and critically review the existing Core Banking system related to credit and implement improvements in all areas of Credit management
- Lead the development of reports to key stakeholders including Bank management to Regulatory bodies by utilizing relevant templates and written communications
- This includes preparation of the quarterly Board Credit Committee report for the Board of Directors
- Analysing portfolio performance at a granular level on an ongoing basis
- Identify trends and conduct root-cause analysis to isolate key performance driver
- Undrawn commitment Management: Implement and manage a summary to track approved but undrawn credit conversions, and customer interactions
- Ensure the undrawn approved facilities are eventually drawn to improve on the Bank performance
- Stepping in for the Chief Credit Offer when he was on leave and running the Credit Department in absence of the CCO (May 2021 to January 2022)
- Maintain a highly motivated team through effective leadership, coaching, and mentoring
- Foster a collaborative and results-oriented environment
- Managed annual budgeting process, including forecasting and financial analysis to optimize resources.
- Monitored operations and reviewed records and metrics to understand company performance.
- Monitored compliance with industry regulations and company policies to mitigate risk.
- Wrote and submitted reports on industry trends, prompting managers to develop business plans.
- Delegated tasks as needed to ensure successful outcomes.
Corporate Service Officer
UBA Kenya Bank Limited
12.2011 - 05.2019
- Sourcing suppliers and carrying out the prequalification exercise according to the UBA Kenya Bank Ltd policies, tracking and updating the suppliers' database, preparing suppliers' performance evaluations, and identifying and taking appropriate action regarding suppliers who repeatedly fail to comply with the terms and conditions of their contracts.
- Carrying out procurement functions for the bank and staff members promptly, and in accordance with the approved procurement policies and framework.
- Engagement in continuous development and improvements of the bank’s procurement process to save costs, ensuring timely delivery of goods and services.
- Ensuring all relevant procurement-related documents are in place and properly filed, as expected.
- Analyzing and evaluating information regarding vendors' performance concerning quality, prices, delivery, and equipment, concerning the organization's requirements.
- Support the preparation and distribution of invitations for bids and requests for quotations to qualified suppliers.
- Review offers and provide input on contract awards in compliance with the UBA Group policies, standards, and procedures, and also support the evaluation and negotiation with suppliers to ascertain their commitment and ability to meet specific requirements and accept new contracts.
- Prepare audit responses, review, and follow up on any outstanding audit recommendations related to the procurement of goods or services.
- Work closely with the Group Corporate Travel, Group Corporate Services, and Regional Office teams to facilitate convenient travel for the staff members, board of directors traveling across the subsidiary, and managing the Group Chairman of the Bank's travel to the country.
- Managing the bank's facilities and fleet from end to end over their lifecycle, in line with the bank’s operations framework, within the annual budget, and by regulatory requirements.
- Assist all staff and requisitioning department officers regarding technical specifications for services procurement, and provide advice regarding relevant templates, approaches, and policies.
- Prepare and conduct tender exercises for renovation works.
- Review offers and provide input on contract awards in compliance with the Bank’s standards, policies, and procedures.
- Managed the processing of facilities and fleet relevant licenses, business registration, insurance covers, and facilitated inspection.
- Negotiated vendor proposals and maintained contact with vendors to arrange logistics of all inbound and outbound goods and services (e.g.,
- Placing orders for goods and services, resolving billing discrepancies, correcting orders, mode of transportation, and customs for corporate gifts received from the Group office in Lagos, Nigeria.
- Knowledge of procurement and logistics policies and procedures to meet project demands promptly, and prepare proper records.
- Implemented and managed workforce planning, learning and development, performance management, and employee relations for the team to ensure an optimal working environment.
- Through this Corporate Services department, recognition was awarded as the best-performing support department for the bank for two consecutive years, 2016 and 2017.
Senior Operations Officer- Procurement and Administration
K-Rep Bank
04.2005 - 12.2011
- Implement procurement strategies tailored to K-rep Bank's needs, with a strong focus on lean transactional operations, process management, and low-value purchases.
- Handle day-to-day procurement activities, including onboarding new vendors, conducting tactical-level purchases, collecting relevant information for business stakeholders and procurement team members, handling procurement channels, and redistributing tasks to relevant team members.
- Formulated plans that captured the milestones and priorities of the bank's projects to deliver on operational objectives.
- Maintained and updated procurement records and documentation, ensuring accuracy and compliance with the Bank’s policies.
- Provided regular reports on procurement activities and performance metrics.
- Running routine safety inspections, corresponding with subcontractors, planning maintenance work, and maintaining records as per policy requirements.
- Developed and implemented strategic supply chain initiatives aligned with organizational goals, ensuring optimal procurement, production, and distribution strategies.
- Built and maintained relationships with suppliers, negotiated contracts, and managed supplier performance to ensure quality, cost efficiency, and timely delivery of goods.
- Analyzed inventory levels, demand forecasts, and led efforts to optimize inventory management, minimizing excess or obsolete stock while ensuring sufficient supply.
- Oversee transportation and logistics, storage, and distribution processes to streamline logistics operations, reduce lead times, and optimize costs.
- Identified inefficiencies and bottlenecks within the supply chain, and led process improvement initiatives, enhancing operational efficiency, reducing costs, and increasing customer satisfaction.
- Established and updated the Bank's standard operating framework for optimal management of the Bank's facilities, pool cars, and monitoring adherence to the framework.
- Anticipated and mitigated supply chain risks, including disruptions, shortages, and quality issues, by implementing robust risk management strategies and contingency plans.
- Managed the processing of facilities and fleet relevant licenses, business registration, insurance covers, and facilitated inspection.
- Cross-functional Collaboration: Collaborate with internal teams such as the business development team, marketing, finance, and legal to align supply chain strategies with business objectives and customer demand.
- Developed and tracked key performance indicators (KPIs) to evaluate supply chain performance, analyze trends, and implement corrective actions as needed.
- Provided organizational leadership and collaborated with executive partners to establish long-term goals, strategies and company policies.
- Coordinated with IT department to implement new technologies and systems enhancements.
- Communicated regularly with stakeholders regarding progress updates on projects.
- Executed on-time, under-budget project management to adhere to project road map.
Accountant
Minlet Insurance Brokers
01.2002 - 03.2005
- Preparing and maintaining all books of accounts, from the day book journals to the profit and loss account, as well as the balance sheet and trial balance.
- Bank reconciliation and insurance firms account for the reconciliation of the insurance companies that held our customers' business across the country.
- Summarizing and analyzing receipts and payments collected for specific insurance companies, and facilitating payments of the same before falling due.
- Applying effective customer service and administration strategies to enhance efficiency, promote customer satisfaction, and ensure that their issues are addressed within the agreed TAT.
- Guided other departments regarding accounting policies and procedures.
- Monitored balance sheets and income statements to evaluate financial performance.
- Oversaw full accounting cycle and prepared applicable financial statements.
Accountant
Lillian Njuguna & Company Advocates
01.2002 - 03.2005
- Analyzing customer statements, a clientele that included insurance companies, other law firms, banking institutions, as well as individuals, to identify possible misunderstandings and undertake to clarify the same.
- Accounting for all expenses, from utilities to purchases, as well as other payments; income capturing and monitoring; maintenance; and analysis of all accounting information.
- Filling and submission of monthly deductions, which included statutory deductions such as PAYE, pension funds, and other deductions.
- Utilizing communication skills to deal with a wide range of clients, as well as to lead the entire team to the best practices of running and growing the business through taking the lead in the various staff meetings we undertook.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Prioritized and organized tasks to efficiently accomplish service goals.
Senior Accountant
Delsa Ltd
01.2002 - 03.2005
- Posted financial data in Excel spreadsheets and managed inventory.
- Reviewed financial information detailing assets, liabilities, and capital.
- Managed accounts payable and receivable, improving cash flow management.
- Oversaw full accounting cycle and prepared applicable financial statements.
Accountant
Pride International
01.2001 - 01.2002
- Processed journal entries to record transactions accurately.
- Reviewed financial documents for accuracy and completeness.
- Checked figures and postings for correct entry and proper codes.
- Collaborated with external partners to complete audits.
Education
Product Management Program Preview -
Stanford University
04.2024
Certificate in Financial Risk Analytics -
Great Learning Academy
04.2024
Certificate in Product Management - Learn the Skill and get the Job
Udemy, Inc.
03.2024
Certificate in Product Management - How to get a “User First” thinking
Udemy, Inc.
11.2023
Certificate in Product Management -
Great Learning Academy
10.2023
Customer Service Skills -
Customer Service Consultant
12.2011
Bachelor of Business Administration - Finance and Accounting Option
Kenya Methodist University
08.2009
Certified Public Accountant (K) -
KASNEB
12.2003
Office Suite Computer Skills -
ABC Computers
12.2002
Kenya Certificate of Secondary Education -
Ndururumo High School
12.1996
Kenya Certificate of Primary Education -
Mathenya Primary School
12.1992
Skills
- Team leadership
- Drive for Results
- Coaching and mentoring
- Planning and organization
- Analytical thinking
- Financial analysis
- Project management
- Team building
- Report writing
- Court appearances
- Financial administration
- Budget administration
- Logistics operations management
- Property storage management
- Reporting management
- Cross-functional collaboration
- Logistics support services
- Data analytics
Accomplishments
K-rep Bank Ltd
- Introduced centralization of the procurement function which resulted to economics of scales through batch procurement.
- Transformation of Procurement and Logistics department steering the department to high performance.
- Successfully negotiated the prices of several stationeries and bank equipment with the suppliers which resulted to over 20% cost savings.
- Successfully oversaw office relocation from K-rep Bank Kawangware office to the new K-rep Centre.
- Coordinated in liaison the Senior Manager Administration in the construction works of over 10 new branches.
UBA Kenya Bank Ltd
- Appointed champion head office cost cutting mission with 30% success.
- Successfully defended the Bank as a court witness in several delinquent facilities cases where the Bank won 90% of the cases including one where the Bank was awarded US$6M judgement in its favor.
References
- Geoffrey Kimani, Head, Risk Management, UBA Bank Limited, 3612025
- Raphael Omare, Human Resources Officer, UBA Bank Limited, 3612018
- Fredrick Njuki, Principal Finance Officer, Regional Centre on Groundwater Resources Education Training and Research, 0722989891
Personal Information
- Gender: Male
- Nationality: Kenya
- Marital Status: Married
Timeline
Senior Officer Credit Administration, Disbursement, Monitoring and Processing
UBA Kenya Bank Limited
06.2019 - Current
Corporate Service Officer
UBA Kenya Bank Limited
12.2011 - 05.2019
Senior Operations Officer- Procurement and Administration
K-Rep Bank
04.2005 - 12.2011
Accountant
Minlet Insurance Brokers
01.2002 - 03.2005
Accountant
Lillian Njuguna & Company Advocates
01.2002 - 03.2005
Senior Accountant
Delsa Ltd
01.2002 - 03.2005
Accountant
Pride International
01.2001 - 01.2002
Product Management Program Preview -
Stanford University
Certificate in Financial Risk Analytics -
Great Learning Academy
Certificate in Product Management - Learn the Skill and get the Job
Udemy, Inc.
Certificate in Product Management - How to get a “User First” thinking
Udemy, Inc.
Certificate in Product Management -
Great Learning Academy
Customer Service Skills -
Customer Service Consultant
Bachelor of Business Administration - Finance and Accounting Option
Kenya Methodist University
Certified Public Accountant (K) -
KASNEB
Office Suite Computer Skills -
ABC Computers
Kenya Certificate of Secondary Education -
Ndururumo High School
Kenya Certificate of Primary Education -
Mathenya Primary School
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