JOYCE NYAMBURA
CREDIT/LOAN OFFICER
Ol-kalou
Summary
Results driven Senior Loan Officer with over three years of experience in the financial industry, specializing in asset,secured and unsecured lending. Proven track record in originating, processing, and closing high-volume loans, while maintaining compliance with regulatory standards. Adept at building and maintaining strong client relationships, leading teams, and delivering exceptional customer service. Expert in credit analysis, risk management, and loan structuring, with a deep understanding of financial products and market trends. Committed to helping clients achieve their financial goals through tailored loan solutions and strategic guidance.
Overview
7
7
years of professional experience
7
7
years of post-secondary education
Work History
SENIOR LOAN OFFICER - CARS
MOGO AUTO LTD
02.2023 - Current
- Loan application processing(apply all underwriting rules,identify and eliminate fraud)
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Proactively identified solutions for customers experiencing credit issues.
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Maintained strict confidentiality of bank records and client information.
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Utilized risk management strategies to attain high loan approval rates.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Streamlined internal processes for increased productivity by implementing time-saving tools and best practices within the team.
LOAN OFFICER - CARS
MOGO AUTO LTD
03.2022 - 02.2023
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Examined customer loan applications for loan approvals and denials.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
LOAN OFFICER - Boda Boda
MOGO AUTO LTD
07.2020 - 02.2022
- Providing accurate, detailed and comprehensive product presentation to clients
- Process customer loan application ensuring quick disbursement
- Prepare and submit report to supervisors
- Entering customer information into the company's IT system
- Created strategies to develop and expand existing customer sales, resulting in increase in quarterly sales.
- Answering customer questions regarding loan application and processing conduct proper KYC operate as the lead of contact for all matters relating to Boda Boda financing
CUSTOMER CARE REPRESENTATIVE
CANDY FLORA LTD
09.2019 - 12.2019
- Assisted call-in customers with questions and orders.
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues.
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Navigated multiple computer systems and applications to find information.
- Maintained and managed customer files and databases.
- Sought ways to improve processes and services provided.
- Collaborated with staff members to enhance customer service experience and exceed team goals through effective client satisfaction rates.
INTERN
TOWER SACCO SOCIETY LTD
10.2017 - 12.2017
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments.
- Gained valuable experience working within a specific industry, applying learned concepts directly into relevant work situations.
- Sorted and organized files, spreadsheets, and reports.
- Gained hands-on experience in various software programs, increasing proficiency and expanding technical skill set.
- Developed organizational skills through managing multiple tasks simultaneously while adhering to strict deadlines.
- Interacted with customers by phone, email, or in-person to provide information.
Education
Bachelor of Science - BACHELOR OF BUSINESS MANAGEMENT(FINANCE &BANKING)
Moi University
Eldoret, Uasin Gishu, Kenya 04.2015 - 04.2019
Kenya Certificate of Secondary Education - undefined
Wanjohi Girls Secondary School
01.2010 - 04.2013
Skills
Problem solving
CRM - ERP
Analytical Thinking Strength
Credit Analysis Proficiency
Attention to Detail Precision
Customer service-focused
Data Analysis
Due diligence
Business Development
MS Office Suite
Compliance
Referees
Pius Mbugua Njaramba
Mogo Auto Ltd
Branch Manager
+254 722 476030
njarambapius@gmail.com
Pius Chege Kimani
Mogo Auto Ltd
Branch Manager
+254 723738450
pius.kimani@mogo.co.ke
Timeline
SENIOR LOAN OFFICER - CARS
MOGO AUTO LTD
02.2023 - Current
LOAN OFFICER - CARS
MOGO AUTO LTD
03.2022 - 02.2023
LOAN OFFICER - Boda Boda
MOGO AUTO LTD
07.2020 - 02.2022
CUSTOMER CARE REPRESENTATIVE
CANDY FLORA LTD
09.2019 - 12.2019
INTERN
TOWER SACCO SOCIETY LTD
10.2017 - 12.2017
Bachelor of Science - BACHELOR OF BUSINESS MANAGEMENT(FINANCE &BANKING)
Moi University
04.2015 - 04.2019
Kenya Certificate of Secondary Education - undefined
Wanjohi Girls Secondary School
01.2010 - 04.2013
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