I am an Egerton University graduate, having obtained a Bachelor of Commerce degree. Highly proficient credit management professional, offering over 13 years of solid contributions, carrying out high-quality credit analysis and collections management.

Proven track record of success in developing, improving and implementing policies and procedures that enforce customer repayments, ensure high percentages of on time collections, and optimize debt payment.

Expert in conceptualizing programs and loan structures that will draw customers to apply for loans and credits. Brings years of multi-disciplinary experience in leading commercial banks in credit management and looking to gain new insights and skills to enhance the credit risk management.

Responsible for managing credit portfolio and repayment negotiations, developing portfolio monitoring reports, adopting alternative debt remedial measure such as restructures, refinancing rescheduling and foreclosure to address distressed accounts. Skilled at identifying the best financial products for the needs of customers. Experienced with carefully managing client portfolios, Credit Management, Debt Collections and Recovery. Works well in a team in addition to managing small to large projects. Superior sales and general credit management skills.