Agnes Ayako Athiambo

Experience

• 

  Co-operative Bank of Kenya

  Mar 2008 - now

  Key Achievements: Achieved 87% loan book growth by approving quality loans to support rapid growth and accelerate product deployment. Mentored and coached 4 analysts through training on product knowledge, financial analysis, credit documentation and policy changes, reducing deferral and decline rates by 14%.  Maintained a PAR of 1.5% by approving credit proposals for the Business Banking Customer Segment to support a quality loan book. Exceeded turnaround time in analysis by 13% by ensuring that applications received are processed in a timely manner as per the laid down service level agreement to support exceptional customer experience.Key Contributions & Results: • Evaluating whether Business and Commercial Banking proposals meet sound business criteria and credit risk falls within acceptable parameters, approve and recommends appropriate credit facilities including terms or conditions of facilities to Head-Corporate Credit Analysis Department.• Assessing and evaluating credit facilities (new and/or existing) based on sound credit & financial principles which supports the minimizing of risk to the bank.• Overseeing the Business Banking Credit analysis team to ensure that applications received are processed in a timely manner as per the laid down service level agreements.• Reviewing credit applications for adherence to CBK Prudential Guidelines, Bank’s Credit Policy, Credit Guidelines and Product Program requirements.• Identifying and mitigating risk and providing recommendations to the relevant credit authority for sanction/decisioning.• Analyzing credit proposals for the Business Banking Customer Segment and making lending decisions for applications within the allocated approval limit.• Developing a team of committed and knowledgeable credit analysis team that will provide timely services to branches.• Documenting issues identified as causes of weak appraisals from Business Bankers in both policy and procedure. Show less Key Achievements: Achieved 78.91% loan book growth by approving quality loans to support rapid growth and accelerate product deployment. Maintained a PAR of 0.6% by approving credit proposals for the Business Banking Customer Segment to support a quality loan book. Championed efforts that culminated to the creation of credit reports to support credit analysis-eg. Transaction listing report and monthly account turnovers report. This resulted to increased efficiency and meeting set target in TAT.Key Contributions & Results:• Championed quality analysis of credit applications by identifying, assessing and mitigating credit risks from all lending units within the authorized limits as set in the Credit Policy.• Provided oversight on policy breaches/exceptions to ensure that they were properly authorized by the relevant approving authority.• Generated revenue/business growth agenda through the development of high-quality credit solutions aimed at obtaining fast credit approval from sanctioning teams.• Conducted in-depth desk review of internal and external documentation to form a clear foundation upon which the credit approval process and tools will be formulated.• Determined the appropriate APR, credit tenure, credit exposure and VAR in line with the trust’s risk appetite and the re-engineered financial access and inclusion strategy.• Assessed possible financing risks and opportunities to streamline the creditworthiness assessment of the target customers by the credit officers.• Engaged key stakeholders in the revision of the credit approval process ensuring it is within the trust’s risk appetite.• Structured innovative credit products and mechanisms including decision matrix, offer letters, loan application forms, loan appraisal reports, and credit scores.• Refined and maintained a robust monitoring and reporting framework for effective risk and delinquency management. Show less Key Achievements: Achieved 1st position Credit Analyst by ensuring timely and efficient service delivery to support receipt and processing of applications within agreed SLAs. Exceeded the number of applications processed per day by 66% by executing daily work at speed which enabled informing branches on fate of applications same day the decision is made. Exceeded turnaround time in analysis by 30% by ensuring that applications received are processed in a timely manner as per the laid down service level agreement to support exceptional customer experience. Achieved 128% loan book growth which by approving quality loans to support rapid growth and accelerate product deployment.Key Contributions & Results:• Analyzed financial reports(statements, budgets) for the purpose of appraising customers credit worthiness• Assessed repayments capacity and collateral adequacy.• Reviewed prevailing economic trends, risk ratings and applied the same in the appraisal process.• Established effective communication relationships with customers, dealers, other departments and other supporting personnel.• Provided liaison with business remedial support unit and legal department an recovery of debts• Prepared periodic productivity reports which helped in monitoring the team’s performance against set targets.• Analyzed credit applications from branches across Co-operative bank network.• Ensured all pre-requisite approval documents were provided and duly certified• Analyzed credit proposal and recommend lending decision to relevant approvers for final decisions• Ensured all lending proposals were within the banks credit policy lending and prudential guidelines. Show less Key Contributions & Results:• Established an outstanding working relationship with employers.• Supervised direct sales team.• Made propositions, gave suggestions, and designated sales target and job obligations to each sales staff.• Offered inspiration and training of internal sales personnel on how to attain business sales objective.• Generated action plans to enhance performance and productive capacity of underperforming personnel.• Managed portfolios of various employers to maintain the loan books.• Created access and eased in selling in various schemes.• Maintained a good rapport with senior executives in various schemes Show less Key Achievements:· Presented with a special award in the category of non-sales branch for the position of Champion of the Year in the Co-op Bank MD Liability campaign - December 2011.· Awarded a certificate of merit for attaining first position (non-sales branch) in the Co-op Bank MD Liability campaign in September 2011.Key Contributions & Results:· Improved customers’ banking experience with the bank by ensuring that the customers were attended to promptly and all their challenges are resolved without delay and in a friendly and courteous manner.· Informed and suggested new banking products to customers.· Provided information to customers on their account status and account balances· Opening new bank accounts according to laid down rules and guidelines· Suggesting effective ways through which the bank could promote its products and services and increase customer satisfaction Show less

  • Credit Risk Manager

    Nov 2022 - now

  • Senior Credit Risk Analyst

    Mar 2018 - Nov 2022

  • Retail Credit Analyst

    Apr 2016 - Jun 2018

  • Team Leader - Sales Team & Employer Schemes Officer

    Jun 2014 - Apr 2016

  • Customer & Accounts Service Officer, Cashier

    Mar 2008 - May 2014