Nature walk
Justine Kiplagat Kemboi
Kapcherop
Summary
Credit Administrator with more than 10 years of experience in Credit Administration, Collections and Financial analysis. Results-driven, reliable individual with a solid record of accomplishment of performing banking activities and related tasks. Track record of maintaining positive customer feedback by proper handling of all transactions in keeping with established procedures. Known for exercising discretion, judgment, and proposal about transactions problems and inquiries.
Overview
14
14
years of professional experience
10
10
years of post-secondary education
Work History
Branch Credit Administrator
Equity Bank Ltd
2 2023 - Current
- Deputize credit Manager and support in growth strategies and management of quality of the loan book
- Ensured branch credit processes are well documented and information presented is complete to aid in making good credit decisions
- Co-ordinate credit functions within the branch set up and monitor service level agreements to keep track on timelines
- Handle customer relationship management and ensure issues raised are handled professionally and timely resolved
- Ensure credit reports are generated, reviewed for accuracy and actioned promptly
- In charge of credit compliance and risk controls within the branch and closely work with the audit and compliance departments
- Staff management, training and mentorship.
- Enhanced branch efficiency by streamlining administrative processes and implementing time-saving strategies.
- Collaborated with senior management to develop strategic plans for branch expansion and improvement initiatives.
Relationship Officer –Food and Agriculture
Equity Bank Ltd
10.2014 - 01.2023
- Analyzed applicant's financial status to determine feasibility of granting loans
- Generated financial ratios, using computer programs to evaluate customers' financial status
- Developed customized financial plans for clients, incorporating investment, banking, and insurance products that aligned with their goals.
- Liaised with customers and funding sources to identify and remove roadblocks to business funding.
- Increased loan approvals by diligently assessing creditworthiness and recommending suitable lending options.
- Negotiate payment with clients whose loans are not paid in time and go for loan recovery where possible
- Boosted customer satisfaction levels with timely and effective resolution of concerns and inquiries.
- Managed a portfolio of high-value clients, ensuring their financial needs were met through tailored investment strategies.
- Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
Relationship officer –Credit Collection
Equity Bank Ltd
06.2013 - 09.2014
- Managed a diverse portfolio of accounts across various industries, ensuring accurate assessment of credit risk and timely collection efforts.
- Created and maintained databases on activity conducted in accounts.
- Exceeded personal collection targets consistently while maintaining high levels of customer satisfaction throughout challenging negotiations.
- Developed comprehensive reports on collection activities, enabling management to make informed decisions regarding credit policies and procedures.
- Reduced delinquency rates by implementing effective collections strategies and maintaining consistent communication with debtors.
Contact Centre Agent
Kenya Commercial Bank
03.2013 - 05.2013
- Receiving calls, emails and SMS from customers on arising challenges and solving them effectively.
- Effectively communicated complex information in a digestible format for callers of varying levels of technical understanding.
- Mastered multiple software systems for seamless navigation during calls, improving efficiency and reducing hold times for customers.
- Responded to customer requests, offering excellent support and tailored recommendations to address needs.
- Maintained up-to-date knowledge of product and service changes.
Cashier
Kapkets Restaurant
01.2012 - 10.2012
- Mentored new employees on cashier duties and best practices, improving overall staff performance.
- Monitored self-checkout systems and provided help in resolving complex problems.
- Worked flexible schedule and extra shifts to meet business needs.
- Worked with floor team and managers to meet wide range of customer needs.
Sales Executive
Azipharm Limited
08.2011 - 12.2011
- Recommended complementary purchases to customers, increasing revenue.
- Utilized internal lead referral tools to solicit new business opportunities and contacts.
- Developed strong rapport with customers and created positive impression of business.
- Reviewed competitors'' offerings periodically to stay informed about industry trends and maintain a competitive edge.
Attachment
Agricultural Finance Corporation
05.2010 - 08.2010
- Arrears follow up for clients who have defaulted in paying loans
- Verified accuracy and completeness of digital and physical documentation prior to data entry
- Supported efficient business operations by preparing and processing loan documentation.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Paid attention to detail while completing assignments.
- Excellent communication skills, both verbal and written.
Education
Bachelor of Science - Bachelor of Agribusiness Management
Egerton University
04.2001 - 05.2011
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Tenges Boys High School
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Kibigos Primary School
Skills
Relationship management
undefinedLeadership Roles
- Games teacher, Kibigos Primary 2006/2007
- Egerton University –Marakwet University Students Association Secretary 2010/2011
- Equity Bank Kericho Welfare Chairperson 2017-2018 and Kapsabet branch 2023
References
- Mr Edwin Ndiwa, Equity Bank Credit Manager, 0722412584, Edwin.ndiwa@equitybank.co.ke
- Mr Reuben Ruttoh, Equity Bank Branch Manager, 0721311208, Reuben.Ruttoh@equitybank.co.ke
- Mr. Kenneth Kiptum, Agency Supervisor-Coop Bank, 0722315923, kipnethlimo@gmail.com
Interests
Playing football and badminton
Reading financial and agricultural documents
Timeline
Relationship Officer –Food and Agriculture
Equity Bank Ltd
10.2014 - 01.2023
Relationship officer –Credit Collection
Equity Bank Ltd
06.2013 - 09.2014
Contact Centre Agent
Kenya Commercial Bank
03.2013 - 05.2013
Cashier
Kapkets Restaurant
01.2012 - 10.2012
Sales Executive
Azipharm Limited
08.2011 - 12.2011
Attachment
Agricultural Finance Corporation
05.2010 - 08.2010
Bachelor of Science - Bachelor of Agribusiness Management
Egerton University
04.2001 - 05.2011
Branch Credit Administrator
Equity Bank Ltd
2 2023 - Current
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Tenges Boys High School
undefined
Kibigos Primary School
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