Grace Karanja
Banker
Nairobi,30
The way to get started is to quit talking and begin doing.
Walt Disney
Summary
An Experienced, Efficient and detail oriented Credit Administrator with high knowledge about credit policies and operations. Currently seeking a part time job.
Overview
6
6
years of professional experience
8
8
years of post-secondary education
Work History
Credit Administrator
Equity Bank (k) Limited
Nairobi
08.2023 - Current
- Receiving over 30 inbound customer calls related to credit and accounts receivable.
- Processing recurring automated payments and credit card payments.
- Assisting with reconciliations and customer communications.
- Working with customers to answer questions, resolve disputes and research discrepancies.
- Reducing past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Reviewing and analyzing loan procedures.
- Analyzing applicants' financial status and credit and property evaluations to determine loan feasibility.
- Attending ongoing professional training to facilitate accurate and productive credit management.
- Investigating and evaluating customers for creditworthiness and potential risk factors.
- Obtaining and reviewing credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Devising collection recovery strategies to resolve customer issues and delinquent cases.
- Obtaining and interpreting financial statements to assist in credit limit reviews.
- Negotiating settlements and payment terms with customers and delivered customized payment plans.
Credit Officer
Equity Bank (k) Limited
Nairobi
11.2018 - 07.2023
- Answered over 20 customer questions per day and explained available services such as deposit accounts, loan requirements, loan products, bonds and securities.
- Recommended approval or disapproval of credit loans.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Checked appraisals, title information and insurance documents for each property.
- Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Kept records of customers' charges and payments.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Worked with clients to define and implement terms for approved credit requests.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
Office Administrator
Hotspot Motors Limited
Nairobi
08.2017 - 10.2018
- Coordinated communications, financial processing, registration, recordkeeping, and other administrative functions.
- Applied advanced administrative and analytical skills in overseeing day-to-day operational activities.
- Interacted with customers by phone, email, or in-person to provide information.
- Tracked office supplies and restocked low items to keep team members on-task and productive.
- Answered over 25 calls per day,routing calls, delivering messages to staff and greeting visitors.
- Assisted in preparation and processing of payroll to facilitate prompt staff payments.
- Reconciled account files and produced monthly reports.
- Maintained electronic and paper filing systems for easy retrieval of information.
- Monitored and oversaw general cleaning of office in line with company cleanliness standards.
- Managed and properly accounted for petty cash issued to facilitate general office activities.
- Successfully managed budgets and allocated resources to maximize productivity and profitability.
Corporate Planning Intern
Kenya International Convention Centre(KICC)
Nairobi
05.2017 - 08.2017
- Assisted in Strategic Planning
- Assisted in Business planning
- Assisted in Performance contracting
- Assisted in Monitoring and evaluation
- Assisted in Handling public complaints
- Assisted in Coordination of over 5 management meetings per week
- Assisted in Preparing and analyzing Performance reports
Education
Bachelor of Arts - Economics Major Sociology Minor
09.2013 - 08.2017
High School Diploma -
01.2009 - 12.2012
Skills
Credit reports
Proficient in [Language]
Performance monitoring
Risk mitigation
Financial statements expertise
Credit programs
Credit risk
Credit decisions
Commercial and consumer clients
Lending regulations
Verbal and written communication
I love outdoor activities like hiking and road trips
It makes me have a feeling of accomplishment once I have successfully gone up a hill,a mountain and interacted with nature and the environment
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Credit Administrator - Equity Bank (k) Limited
08.2023 - Current
Credit Officer - Equity Bank (k) Limited
11.2018 - 07.2023
Office Administrator - Hotspot Motors Limited
08.2017 - 10.2018
Corporate Planning Intern - Kenya International Convention Centre(KICC)
05.2017 - 08.2017
Kenyatta University - Bachelor of Arts, Economics Major Sociology Minor
09.2013 - 08.2017
Kiriani Girls High School - High School Diploma,
01.2009 - 12.2012