Job Mwangi

Experience

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  Stanbic Bank Kenya

  Mar 2013 - Feb 2015

  Credit Evaluation - SME

  Key Contributions:🖋️Evaluated SME Banking proposals, ensuring they met sound business criteria and credit risk fell within acceptable parameters, and approved and recommended appropriate credit facilities including terms or conditions of facilities. 🖋️Ensured accuracy and reliability of approvals within advised DA, or referrals to a higher authority, on business applications reviewed.🖋️Contributed to the credit approval process by guiding originators as appropriate to reduce reworks on applications to at least 10%. 🖋️Identified, quantified and evaluated credit risks in relation to the profitability of business proposals and financial viability of business banking credits.🖋️Built relationships with, branch-based business bankers and Suite-based Business Bankers and Relationship Managers to improve the quality of business proposals and turnaround time on credit evaluations. Show less

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  Chase Bank Kenya Ltd (IR)

  Mar 2015 - Aug 2018

  Assistant Manager-Credit Evaluation and Approvals (SME/Corporate/Agri-Sector/Asset Financing)

  Key Contributions:🖋️Contributed to quality review and approval of credit proposal within the best practice, delegated lending authority and banks policy.🖋️Contributed to the management of credit risk exposures, ensuring it remains within the established limits appetite and standards. 🖋️Ensured the timely decision-making of credit proposals within delegated approval authority.Ensured that the quality documentation was in line with the banks' standards.🖋️Oversaw the daily review of loan workflow in the system (when available) to assess the number of loan applications received, the turnaround time of every step in the process e.g., analysis/approvals of TODs, Credit applications, Waivers, Early Draw Downs, etc. Show less

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  SBM Bank Kenya

  Aug 2018 - Jan 2024

  Key Contributions:🖋️Evaluates business proposals to ensure that they meet sound business criteria and the credit risk falls within acceptable parameters and as per the credit policy guidelines.🖋️Confirms accuracy and reliability of the approval recommendations within advised delegated authority, or referrals to the higher authority, on Business applications reviewed.🖋️Manages adherence to the service level agreement that have been concluded, ensuring promises are delivered to the customer.🖋️Assists the Business Development Team with the asset growth targets by providing effective value-adding risk management, whilst maintaining a quality-lending book, through judicious and effective management thereof.🖋️Adds value to the credit approval process by guiding originators as appropriate to reduce reworks on applications. Show less Key Contributions:🖋️Evaluated business proposals to ensure that they meet sound business criteria and the credit risk fell within acceptable parameters and as per the credit policy guidelines.🖋️Confirmed accuracy and reliability of the approved recommendations within advised Delegated Authority, or referrals to the higher authority, on Business applications reviewed.🖋️Managed adherence to the service level agreement that had been concluded, ensuring promises are delivered to the customer.🖋️Assisted the Business Development Team with the asset growth targets by providing effective value-adding risk management, whilst maintaining a quality-lending book, through judicious and effective management thereof.🖋️Added value to the credit approval process by guiding originators as appropriate to reduce reworks on applications.🖋️Contributed to the management of credit risk exposures, ensuring they remained within the established limits appetite and standards. Show less

  • Manager - SME and Corporate Approvals

    Dec 2021 - Jan 2024

  • Assistant Manager - SME and Corporate Approvals

    Aug 2018 - Dec 2021