Ian Kariuki - MBA

Experience

• 

  Chase Bank Kenya Ltd (IR)

  Oct 2011 - Sept 2016

  Prioritized credit analysis and evaluation as well as mitigation of credit risk. Sanction credit applications within delegated lending discretionary authority for Chase Bank Kenya. Strived to understand customer financial need and coming up with appropriate credit product for them. Advised clients on credit products offered by the bank and fostering customer relationships.Assessed and recommended for approval credit applications above delegated lending discretionary authority all while preparing trade finance products i.e. Letters of credit and bank guarantees. Grew and monitored the branches loan book and follow-up on loan repayment. Follow up on reviews (expired & expiring) with the relationship managers/branchesCoached and mentored up-to 55 credit analysts within Chase Bank Branches all while providing lead technical support on development of new and reviewing existing credit products and credit appraisal tools. Championed Credit policy issues to the designated portfolio and relationship teams through attendance of industry and portfolio meetings. Show less Provided high levels of customer service of teller function by efficiently handling the process and reducing customer waiting time and service time. Consistently met and exceed service standards set for customer services. Championed branch outlet relationship management Assisted customers in transacting and facilitated cash deposits and payments. Processing of all deposited cheques. Balanced end of day cash.Performed due-diligence on documentation and KYC checks before payment of cash to customers and accurately maintained and kept records for easier retrieval of documents. Took every customers contact as an opportunity to create product awareness with the aim of cross selling the banks products.Custodian of cash on site and reconciled cash in hand and system entries as well as daily reporting. Preparing requests for working float funding from the Accountant via the branch supervisor. Collaborated with the sales department to on-board 2500+ customers, resulting in more effective and efficient improved customer satisfaction and loyalty. Served customers diligently, and respectfully in order to uphold the banks image and position. Show less

  • Senior Credit Officer

    Apr 2013 - Sept 2016

  • Branch Teller

    Oct 2011 - Mar 2013
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  Sidian Bank

  Oct 2016 - now

  Senior Corporate Analyst

  As a passionate banking credit manager, my day to day tasks revolve around reviewing all credit or financing requests, processing information, performing credit investigations and approving/disapproving credit with any related terms, conditions or limits. Prioritizing corporate clients and corporate loan portfolios for institutions whose balance sheet is above 100M. It is important that I analyze customer's financial documents for credit worthiness and set appropriate limits and terms. Credit analysis and evaluation as well as mitigation of credit risk for client loans above 30M.Improving the control environment for risk activities is a priority. Understanding customer financial need and coming up with appropriate credit product for them. For example, reviewing credit schemes for staff who are employed by the various corporate institutions. Remaining accountable for reducing delinquency and daily administration in debt collection. Show less