Dalmas Ngui

Experience

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  Narok Teachers Sacco

  Aug 2004 - Aug 2004

  Assistant Internal Auditor

  • Ensured full compliance with loan regulations by conducting thorough risk assessments, policy reviews, and regulatory audits, aligning with CBK prudential guidelines and internal credit policies.• Audited and reconciled all loan-related transactions, verifying accuracy in corresponding entries across members’ accounts to prevent financial discrepancies and ensure data integrity.• Updated and maintained members' accounts, accurately reflecting loan deductions, payments, and adjustments against Teachers Service Commission (TSC) by-products, ensuring seamless financial reporting.• Identified and rectified inconsistencies in loan records through detailed forensic auditing and account analysis, mitigating risks associated with misstatements or non-compliance.• Strengthened internal controls and reporting frameworks, enhancing transparency and efficiency in loan administration, account management, and regulatory compliance. Show less

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  Sidian Bank

  Jun 2005 - Jun 2007

  Business Banker, Development officer

  • Processed and approved loan applications by conducting in-depth credit risk assessments, financial analysis, and due diligence, ensuring compliance with CBK prudential guidelines and internal credit policies.• Established and nurtured strategic corporate client relationships, driving business growth through tailored financial solutions and proactive customer engagement.• Generated new corporate business opportunities by identifying market gaps, leveraging industry insights, and implementing effective client acquisition strategies.• Led product development and implementation, collaborating with cross-functional teams to design and launch innovative credit products that aligned with market demands and regulatory requirements.• Optimized loan processing workflows, reducing turnaround time and enhancing operational efficiency through automation and process re-engineering. Show less

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  Family Bank Ltd

  Jun 2007 - Dec 2010

  Credit Analyst

  • Reviewed and assessed credit applications from branches, ensuring compliance with the Bank’s Credit Policy and CBK prudential guidelines, and provided recommendations to the Management Credit Committee (MCC).• Developed and presented detailed credit proposals to the Board Credit Committee (BCC), facilitating sound decision-making on loan approvals and risk mitigation strategies.• Monitored and managed the bank’s credit portfolio, working closely with Branch Credit Officers and Branch Managers to analyze loan performance and enhance portfolio quality.• Identified and restructured deteriorating and non-performing credit facilities, implementing remedial strategies to reduce Non-Performing Loans (NPLs) and recover outstanding debts.• Prepared strategic reports for key management committees, including MCC, BCC, and ALCO, covering loan sanctions, asset book performance, and pipeline applications.• Liaised with external valuers to appraise properties and assets, ensuring accurate valuation for secured lending and risk assessment.• Conducted in-depth credit risk analysis, evaluating borrowers' financial health, repayment capacity, and collateral adequacy to support informed lending decisions.• Strengthened compliance and risk management by ensuring adherence to CBK regulatory requirements, internal credit policies, and IFRS standards in loan structuring.• Enhanced operational efficiency in the credit department, streamlining credit application reviews and expediting approvals to improve turnaround time for clients.• Provided financial insights and advisory to corporate and SME clients, guiding them on optimal loan structuring, repayment plans, and financial risk management strategies. Show less

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  Credit Bank PLC

  Dec 2010 - Jan 2013

  Credit Analyst

  • Evaluated and recommended credit applications, ensuring alignment with the Bank’s Credit Policy and CBK prudential guidelines, while presenting proposals to the Management Credit Committee (MCC) and Board Credit Committee (BCC).• Developed and presented comprehensive credit proposals, facilitating informed decision-making by senior leadership and enhancing the quality of the bank’s lending portfolio.• Managed and analyzed corporate credit portfolios, collaborating with Branch Credit Officers and Branch Managers to assess risk, structure financing solutions, and optimize asset quality.• Led direct relationship management for high-value corporate clients, providing strategic financial insights and fostering long-term business partnerships.• Identified and restructured deteriorating credit facilities, implementing proactive recovery and corrective strategies to minimize non-performing loans (NPLs).• Prepared and submitted statutory and internal reports, including PR3, PR412, PR45, PR44 (Insider Lending), PR41 (Loan Provisions), PR42, PR46 (Induplum Rule), and PR26 (Geographical Distribution), ensuring regulatory compliance.• Executed credit portfolio administration, monitoring overdraft excesses and arrears, initiating demand letters, repossession orders, and restructuring underperforming facilities.• Ensured accuracy in interest income calculations, preventing revenue leakages through monthly verification and reconciliation of interest charges.• Oversaw security documentation processes, managing legal charges, debentures, and chattel mortgages, in liaison with Legal and External Valuers for collateral perfection.• Generated strategic reports for key management committees, including MCC, BCC, and ALCO, providing insights into portfolio performance, asset book trends, and risk mitigation strategies. Show less

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  Diamond Trust Bank

  Feb 2012 - Aug 2015

  Assistant Manager – Credit Risk

  • Conducted in-depth credit risk assessments, profiling and vetting retail loan applications to ensure compliance with prudential lending standards and mitigate default risks.• Facilitated seamless credit approvals, effectively communicating Management Credit Committee and Board decisions to relevant business units for timely execution.• Monitored debenture-backed credit facilities, ensuring ongoing compliance and proactive risk management to safeguard the bank’s secured lending portfolio.• Reviewed and managed daily overdraft exposures, analyzing inward cheque clearances, assessing account fund positions, and engaging branch heads for swift regularization.• Developed and presented comprehensive loan portfolio reports, delivering daily, weekly, and quarterly risk insights to Senior Management for informed decision-making. Show less

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  Fidelity Commercial Bank Ltd

  Oct 2015 - Dec 2018

  Manager- Credit

  • Conducted comprehensive credit risk assessments, reviewing and recommending corporate and retail lending facilities to ensure prudent underwriting and portfolio growth.• Approved and monitored credit facilities, ensuring alignment with CBK prudential guidelines while identifying and mitigating risks in non-performing assets.• Led credit risk training for branch heads and business units, enhancing risk awareness, loan structuring, and early warning signal identification to strengthen portfolio quality.• Prepared and presented detailed credit reports to the Board and Senior Management, providing insights on loan performance, sectoral risks, and remedial strategies.• Executed market and economic sector analysis, optimizing the bank’s credit portfolio mix to achieve a balanced and sustainable investment strategy. Show less

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  SBM Bank Kenya

  Feb 2019 - Jan 2023

  Manager – Collections & Recoveries

  • Led the Debt Recovery and Remedial Unit, reviewing non-performing loans (NPLs) and implementing cost-effective recovery strategies, significantly reducing delinquency rates.• Negotiated and restructured distressed facilities, successfully returning bad debts to performing status through tailored repayment plans and client engagements.• Collaborated with legal teams to execute appropriate litigation and recovery strategies, mitigating risks and ensuring compliance with CBK prudential guidelines and IFRS 9 provisions.• Developed and presented strategic reports to the Board and Management Committees, providing actionable insights to enhance credit risk management and underwriting processes.• Strengthened stakeholder engagement, coordinating with lawyers, auctioneers, and evaluators to drive recoveries while ensuring seamless debt resolution processes. Show less

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  HFC Kenya

  Feb 2023 - now

  Manager- Special Assets Recovery

  • Drive non-performing loan (NPL) recovery strategies, implementing tailored action plans to maximize debt resolution.• Act as the primary liaison for distressed accounts, engaging stakeholders to devise viable restructuring solutions and aggressive recovery plans aligned with the bank’s objectives.• Reduce NPL ratios by executing strategic recoveries, negotiating settlements, and optimizing repayment structures.• Ensure full compliance with CBK prudential guidelines and internal credit policies, mitigating regulatory risks.• Minimize recovery costs through rigorous invoice vetting, fee negotiations, and legal cost control.• Lead high-stakes negotiations with customers and stakeholders to secure mutually beneficial settlements while protecting the bank’s interests.• Optimize debt recovery efforts for written-off loans in adherence to CBK regulations.• Partner with internal and external stakeholders, including legal teams, credit risk, and regulatory bodies, to drive performance and expedite debt resolution.• Coach, mentor, and motivate the recoveries team, fostering a high-performance culture that enhances productivity and efficiency.• Manage politically sensitive recoveries, ensuring professionalism while maintaining the bank’s reputation.• Strengthen service level agreements (SLAs) with legal firms, auctioneers, and external service providers, ensuring optimal performance and adherence to bank policies.• Conduct field visits and client meetings to assess financial positions, negotiate settlements, and drive successful recoveries.• Ensure audit readiness by maintaining compliance, robust documentation, and adherence to best practices in credit risk management. Show less