Henry Ng'ang'a Githuka
Senior Credit Risk Manager
Summary
Experienced professional with a successful track record of over 17 years in challenging Banking roles with several leading organizations. I am a dedicated credit professional with a history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
22
22
years of professional experience
Work History
Senior Manager
I&M Bank (K) Ltd
03.2017 - 05.2024
- Credit Risk Manager
- Analyze credit proposals and approve facilities up to the delegated limit
- Advise management on inward clearing exception report requests, Temporary Overdrafts and Excess over Limits as provided for in the discretionary policy
- Make recommendations on the credit line proposals enabling the next level of authority to make sound credit decisions
- Ensure that there is coordination between all units of the bank i.e
- Retail & SME Banking and Corporate Banking
- Daily reviewing and monitoring the loan portfolio to ensure compliance with company policies and approved limits
- Monitoring performance of facilities approved and recommending remedial action for non-performing facilities and ensuring timely renewal of expiring facilities in line with the Bank's policies & CBK prudential guidelines
- Continuous economic sector and industry analysis to ensure a balance in Bank's investment and consequently a healthy portfolio
- Continuously reviewing credit policies and procedures and proposing suitable amendments in line with global, national and banking industry developments
- Regular market research on the performance, new products, TAT, best practices etc from the competition
- Ensure that all credit proposals adhere to the laid down prudential guidelines
- Establish and agree performance targets for the credit analysts
- Being a member of product development team, ensuring that the new products add value to the existing products and develop processes and procedures for the same with a basis in credit
- Reviewing Excesses and temporary limits and recommending corrective actions
- Reviewing new procedures and policies for the newly introduced products
- Adviser of the credit analysis team on the outcomes in the market that would affect the business
- Risk analysis of any new entrants for service provision for the bank and any investments that the bank would want to invest
- Act as bridge between credit division and the bank in developing products that are suitable for the bank and ensuring that they are within the current policy and if not, seeking waiver of the same from the relevant authorities
- Liaising with the credit analysts at the service outlet to ensure quality proposals are provided to enable management reach a quality decision
- Ensure that service levels agreements are adhered to.
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Implemented and developed operational standards, policies and procedures.
- Held monthly meetings to create business plans and workshops to drive successful business.
- Provided strong leadership to enhance team productivity and morale.
- Consistently met or exceeded annual performance targets set by senior leadership.
- Collaborated closely with peers from other departments to drive organizational success jointly as one cohesive unit.
- Mentored junior staff members for skill development and career progression within the organization.
- Boosted team member productivity by enhancing performance monitoring and instituting motivational approaches.
- Reviewed and analyzed reports, records and directives to obtain data required for planning department activities.
- Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
- Demonstrated exceptional adaptability in navigating complex situations or rapidly changing environments with ease.
- Increased customer satisfaction with timely project deliveries and seamless communication.
- Achieved operational excellence by streamlining processes and implementing best practices.
- Implemented innovative solutions to overcome challenges, leading to enhanced productivity levels.
- Spearheaded change management efforts for seamless adoption of new systems or processes among employees.
- Utilized data-driven insights to make informed decisions that resulted in higher returns on investments.
- Brainstormed and developed sales strategies to achieve short and long term sales revenue objectives.
- Promoted a culture of continuous learning through regular workshops, seminars, and training sessions for staff.
- Balanced competing priorities efficiently while maintaining focus on critical tasks requiring immediate attention.
- Recommended and implemented successful strategies to maximize revenue.
- Enhanced company reputation by driving successful initiatives that addressed client pain points effectively.
Senior Manager
ABC Bank Kenya Ltd
07.2014 - 03.2017
- Financial Analyst
- Preparation and analysis of credit proposals for onward submission to credit risk committee and to the board
- Conduct and present timely analysis of periodic reports from Finance and other departments and recommend actions to the Manager, Strategy and Corporate Performance and the Group CEO (GCEO)
- Conduct periodic cost analysis, monitoring and suggest actions to be taken on identified cost drivers that need to be managed for better bank performance
- Continuously monitor bank performance and expenditures in relation to the budget and recommend corrective actions to the immediate supervisor, the GCEO and the business team and or department heads
- Analyze periodic bank performance against peer banks and the industry and recommend actions to be taken to improve performance
- Continuously monitor progress and report on the recoveries of non-performing loan accounts in liaison with the debt recovery unit within the Credit Administration Department
- In liaison with Credit Administration Department, proactively monitor the loan book to identify the health of the loan book and to identify accounts showing signs of default for early corrective actions
- Review and give recommendations to the Group CEO on all credit papers from departments and group companies for the attention of the Group CEO or those meant to be presented to the Board of Directors
- Review Credit Committee papers and give recommendations to the GCEO
- Closely monitor and analyze movement of credit proposals and offer letters between branches, head office departments, the business team and customers to ensure TATs are met
- Coordinate implementation of Board Credit Committee recommendations within ABC Bank and ABC Group Companies and preparation of the Board papers
- Conduct appropriate “benchmarking” initiatives including carrying out appropriate surveys and preparing relevant reports
- Follow up with departments and group companies as assigned by immediate supervisor and the GCEO
- Continuously conduct global scanning of regulatory impacts on the business environment to ensure that compliance requirements are identified, translated and effectively operationalized, ensuring that strategic and regulatory requirements are current, provided for in governance processes, controlled and performed on a regular basis.
Assistant Manager
I&M Bank (K) Ltd
- Credit Analyst – Corporate Banking
- Detailed analyses of financial statements to allow approvers take appropriate decisions
- Identification of key risks, offering mitigating factors and reporting ways of controlling such risks
- Preparation of industry statistics such as financial ratios, any new developments through research
- Monitoring of any downgraded account to assess the same for potential weaknesses in the financial structure of the account and recommend remedies to the Relationship Manager
- Managing preparation and issuance of bank guarantees
- Follow up on the fate of overrides for all accounts on a day to day basis
- Providing daily/monthly reports for follow up of allotted accounts
- Management of Bill Discounting Facilities
- Managing records for various security documents
- Compilation & provision of override reports on excesses required by the bank and other departments
- Compilation and provision of various reports to Central Bank of Kenya
- Preparations of Audit Confirmations
- Preparations of Offer Letters.
Clerk
Bank of Baroda (k) Ltd
07.2005
- ADVANCES DEPARTMENT
- Handling all customer queries at branch level regarding credit matters
- Regular site visits to keep abreast of client's key developments and performance
- Preparation of regular returns to the Head office and Central Bank (CBK) at Branch level
- Issuance of bank Guarantees
- Preparation of customer Proposal's
- Preparation of letters of offer on sanctioned funds to the customers
- Disbursement of sanctioned funds by the Head Office
- Maintenance and updating security and stock registers
- Audit confirmations to various auditing firms on request
- FOREX DEPARTMENT
- Processing inward and outward remittances of foreign funds
- Processing applications and payments of Letter of credit documents
- Preparations and payments for direct imports by telegraphic transfer (swift)
- Issuance of Demand Drafts and Money transfers
- Processing Real –Time-Gross-settlement (RTGS)
- Documentation, Processing and Payments of Usance and Sight Bills
- Lodging documents in the system
- Filing
- TELLER(CASH/CLEARING)
- Receiving and paying cash
- Reconciliation of cashbook
- Receiving and posting Cheques into the system
- In charge of preparation of regular returns to the Head Office and Central Bank (CBK) at Branch level
- Preparation of transaction support vouchers, charging expenses and crediting incomes, monthly and annual statements, reconciliation of bills, handling general ledger entries, issuance of bank guarantees, and assisting in bank clearing, customer service and preparation of financial statements among others.
Accounts assistant
Golden Tulip (K) Ltd
01.2004 - 12.2005
- Computation of VAT and Income tax calculations, cash flow projections preparation, application of accounting policies, book-keeping, checking internal control systems, Maintaining debtor's accounts, supervision of stock taking, and preparation of financial statements using Quick Books.
Audit Assistant
Kigundu & Company (Certified Public Accountants)
01.2005 - 06.2005
- Responsible for preparation of cashbook and petty cash maintenance, bank reconciliation, preparation of ledger accounts, preparation of financial statements, preparing invoices and consolidating accounts for annual audit among other responsibilities for the various clients that the Audit firm had.
Intern Accounts Clerk
Municipal Council of Mombasa
09.2002 - 03.2003
- Reconciliation of land rent rates with the city council records, verification of parking fee vouchers upon cashier's receipts, checking arithmetical accuracy of all payable documents, filling statutory returns to the relevant Authorities (NHIF, NSSF and PAYE) among other duties.
Education
GED -
Memon College
Mombasa, Mombasa District, Kenya 04.2001 -
Skills
Banking- possesses hands on skills in banking acquired while working with Bank of Baroda, ABC Bank Ltd, and I&M Bank (K) Ltd
Analysis and Numeracy – Proficient at analyzing sets of accounts and financial reports Very good with numbers
Organization and Planning - A highly organized individual who approaches all his work in a methodical and professional manner
Accounting – Fully qualified in accounts with superb hands on experience gained in accounting roles with large organizations Excellent in all reconciliations, preparation of monthly and annual statements, auditing, Tax, office administration and all other accounting practices
Computers – Proficient in Windows, MS Word and Excel, Quick-books, Internet, e-mail and Core Banking Solutions
Communication- Communicates very well both orally and in writing Possess excellent presentation skills Fluent in English and Kiswahili Possess some knowledge in French
Interpersonal – Relates very well with people from different cultures and backgrounds
Results oriented
Good Team Player
High integrity
Numerate and Analytical
Able to work under pressure and meet deadlines
Academic And Professional Qualifications
- Professional Banker Certificate, Chartered Banker Institute, 2023
- Fundamentals of Credit Risk Management, Chartered Institute of Securities and Investments, 2021
- Corporate Banking and Credit Analysis, Institute of Banking and Business Communication, 2011
- Fully Certified as a member to the A.C.C.A, Association of Chartered Certified Accountant (BOARD OF GORVENORS), 2008
- Association of Chartered Certified Accountants (ACCA) –Affiliate status., Association of Chartered Certified Accountant, United Kingdom., 2004
- French, Alliance Françoise, Mombasa, 2002
- Computer courses, St. Joseph Training College, Nairobi., 2001
- Kenya Certificate of Secondary Education, Queen of Apostles Seminary, Nairobi, 1999
- Kenya Certificate of Primary Education, Gacege Primary School, Thika, 1995
References
- Ms. Winnie Hunja, General Manager, Corporate Credit, I&M Bank (K) Ltd, P.O BOX 30238 – 00100 NAIROBI GPO KENYA, 3221254 mobile 0722365900
- Mr. Boniface Kioko, Head, Credit & Legal, African Banking Corporation Ltd (abc Bank), P.O BOX 38610 – 00800 NAIROBI KENYA, 0723-433 207
- Mrs. Jacqueline Wambui Kimani, Manager, Bank of Baroda (K) Ltd, P.O BOX 18269 – 00500 NAIROBI KENYA, 2222219/2248402/12, 2226416 mobile 0722 820 021
Timeline
Senior Manager
I&M Bank (K) Ltd
03.2017 - 05.2024
Senior Manager
ABC Bank Kenya Ltd
07.2014 - 03.2017
Clerk
Bank of Baroda (k) Ltd
07.2005
Audit Assistant
Kigundu & Company (Certified Public Accountants)
01.2005 - 06.2005
Accounts assistant
Golden Tulip (K) Ltd
01.2004 - 12.2005
Intern Accounts Clerk
Municipal Council of Mombasa
09.2002 - 03.2003
GED -
Memon College
04.2001 -
Assistant Manager
I&M Bank (K) Ltd