Merciana Andrew Msechu

Analyze credit proposals by observing policies, procedures and regulatory requirements and provide recommendations to relevant approving authorities/committees.

- Support the business teams in their dealings and ensure quality bookings and growth of credit book.

- Ensure credit portfolio remains of good quality with balanced concentration and diversification always.

- Ensure best TAT in loan processing to meet customer’s expectations.

- Participate in target market strategy and its preparation, PPs and other credit related products.

- Support the Credit Manager in her absence.

- Provide support to Credit Administration unit in preparation of ECL model and other reports.

- Extracting, analysing, and interpreting the information from daily reports and providing appropriate recommendations/escalation to the management as appropriate.

- Ensure reconciliation is done timely on government loans to avoid PDOs from non-allocation of funds.

- Ensure good quality of credit management services (approvals, disbursements, reports and remedial management) in supporting business goals.

- Report all risk and loss events as a result of errors or fraud to the line manager and /or relevant parties to manage mitigate possible losses.

- Work with Business Units to ensure portfolio quality remains within group target and regulatory NPL ratio of 5%.

- Minimization of exposures and impacts of credit risks, managing troubled exposures to ensure good loan recovery.

- Assist the Credit Manager to ensure that provisioning policies are in line with the Bank’s Credit Policy Document, comply with Banking Act provisions and co-ordinate with Finance Division to ensure appropriate provisions and interest suspensions for the credit book are effected in the Bank’s accounting systems.

• Worked in various departments to gain hands-on experience.
• Came up with new ideas and improvements, which were discussed with senior employers.
• Demonstrated adaptability by quickly adjusting to new tasks and responsibilities as needed during the trainee program.
• Strengthened presentation capabilities by delivering informative project updates to supervisors and peers.
• Organized and maintained records.
• Acquired foundational knowledge of company policies and procedures through rigorous study of internal documentation resources.
• Contributed to a positive work environment with proactive participation in team-building activities and social events.
• Participated in mentoring programs for continued professional growth and skill development opportunities.
• On job rotations in all bank’s departments.

Performing Retail Health Safety Security and Environment Audit.

• Conducting thorough inspection of Retail stations.

• Performing onsite operational support including records management and facilitating onsite

activities.

• Overseeing functions of Quality Marshals in making sure everything is in order.

• Making sure things are organized in Engen’s Convenience stores.

• Liaise and advise internal and external stakeholder on matters within area of

responsibilities.

• Providing support to other staffs in other departments.

• Performing other duties and responsibilities as may be directed by Operations and support

manager.

•Assisting Retail projects manager in site visits and ensuring payments are made timely.

• Performing On site and off site audits of retail stations.

• Conducting trainings to Quality marshals and Customer champions through both the organization’s applications and face to face sessions.

• Gathered valuable customer feedback through surveys and direct communication, informing strategy adjustments for improved results.

• Gained valuable experience working within government business industry, applying learned concepts directly into relevant work situations.
• Sorted and organized files, spreadsheets, and reports.
• Prepared comprehensive reports summarizing data analysis findings, informing key decision-makers of important trends and patterns.
• Enhanced team productivity by assisting with organization of project documentation.
• Facilitated smoother communication channels by organizing regular team meetings.
• Participated in cross-functional team-building activities.
• Supported project management activities by creating detailed timelines, tracking progress, and ensuring timely completion of deliverables.
• Tracking clients engagements/calls and making reports on the engagements.

• Collaborated with fellow trainees to complete group projects, enhancing teamwork and communication abilities.
• Receiving checks and cash for deposit to savings and checking accounts. Served bank customers with their daily money requirements.
• Verifying deposit amounts and examining checks for endorsement and negotiability.
• Collaborated with a relationship officer in attending loan requiring customers by evaluating applicant’s job history, income, overall credit worthiness and visiting the collaterals of loan requiring customers.
• Issuing customers’ bank statements and balances.
• Lodging customers’ complaints in a system.
• ATM balance reconciliation.
• Products cross sales and, maintaining good customer relationship and floor management.
• Collaborated with quality assurance officer in snap checks and audit of physical verification of assets.
• Answer telephone and assist customers and employees in a professional, prompt, and courteous manner.