WEBSITES &

SOCIAL L INKS

Linkedin:

https://www.linkedin.com/in/james-

nyarega-59767416b/

EDUCATION

Bachelor of Business

Administration

Maseno university/Kisumu

2006

Graduated With A Bachelor of

Business Administration Degree

(Accounting Option) Second Class

Honours Upper Division

High school Certificate

Nyanturago High school/Kisii

1998

PROFESSIONAL COURSE

CPA section 3

WORK EXPERIENCE

C R E D I T M A N A G E M E N T C O N S U L T A N T Self Employed/Nairobi/Sep 2017-Present

•Assist clients in credit risk model Development, model implementation and model validation activities.

Perform credit risk related data analytic-extraction and pre-processing,data cleansing, data transformation and data loading.

Guide in business decision making and enabling the process of risk taking. Analyse non financial risks and monitoring business relationships. Financial statements analysis and interpretation.

Guide on debt management.

C R E D I T M A N A G E R

Family Bank Limited/Nairobi/July 2011-Aug.2017

• Proactively identify and recruit business clients (SMEs,Corporates,Personal and Micro banking).

• Build, consolidate and maintain excellent relationships with Bank clients.

• Identify establish and maintain excellent relationships with Strategic Relationship 1

J N

JAMES NYAREGA

ADDRESS

P.O. BOX 53174, NAIROBI,00200,

KENYA

PHONE NUMBER

+254-***-******

EMAIL

adn4ne@r.postjobfree.com

Driven Credit and Relationship Manager with 14 years of experience in Personal,Micro, Commercial and Business Banking. A Committed, energetic and hardworking team player, with a strong background in team development, keen in thorough loan appraisals, quality asset book and a solid reputation for assessing business needs, developing cost-saving solutions, increasing sales and driving customer satisfaction. SKILLS

• Business Development

• Financial Analysis

• Risk Analysis

• Credit Risk Analysis and

Management

• Porfolio Management

• Customer Service

• Business Relationship Management

• Product Development

• Sales

Partners.

• Undertake a relationship review and assessment twice a year to determine and address: 1.Customer Satisfaction, Risk and Credit Review, Product Usage and Crossell penetration, Needs gap analysis, multi banked situation if any.

• Responsible for quality portfolio management in the following: Growth and renewal of overdrafts before expiry, renewal of insurance premiums before expiry, growth of term loans, Growth of trade finance products and solutions uptake, maintaining the Non-Performing Loans below the sector and industry rates. Achieve set Audit standards with no repeat exceptions. Setting of balanced score card for credit staff at the branch level and supervising them. Working on Branch cost- income ratio through proper budgeting to enhance profitability.

General management and running of the branch through streamlining credit operations and process flows.

Championing Trade finance adoption within the branch by Creating partnerships, structuring transactions developing and negotiating to execution on Trade finance business.

Custodial duties, product review and development, Facilitate credit trainings,credit administration and loan recovery.

Loan appraissals,Risk monitoring and control of credit portfolio. S E N I O R R E L A T I O N S H I P O F F I C E R - S M E B A N K I N G Family Bank Kenya Limited/Nairobi/Aug 2009-July 2011

• Proactively identify and recruit SME business clients .

• Build, consolidate and maintain excellent relationships with business clients

• Identify establish and maintain excellent relationships with Strategic Relationship Partners.

• Undertake a relationship review and assessment twice a year to determine and address: 1.Customer Satisfaction, Risk and Credit Review, Product Usage and Crossell penetration, Needs gap analysis, multi banked situation if any.

• Responsible for quality portfolio management in the following: Growth and renewal of overdrafts before expiry, renewal of insurance premiums before expiry,groth of term loans, Growth of trade finance products and solutions uptake, maintaining the Non- Performing Loans below the sector and industry rates. Maintaining portfolio at risk (PAR) of less than 5% through quality loan facilities appraisals and enhanced debt collections.

C R E D I T O F F I C E R / C R E D I T A D M I N I S T R A T I O N O F F I C E R . Family Bank Limited/Nairobi/Jan 2008-July 2009

• Reporting to the Branch Manger Business Development my duties entailed:

• mobilization of deposits and grew the asset portfolio for my branch.

• Maintaining and enhancing relationships with borrowers and depositors to ensure a quality book and repeat business.

• Relationship and portfolio management to ensure retention of client base and minimize client attrition.

• Crosselling the bank products and solutions to enhance Family Bank Market Share.

• Driving Sales initiatives and Activities aimed at creating awareness of Family Bank brand.

Loans/Limits/Overdraft appraissals,loading and disbursements. Portfolio management through quality asset book by quality appraisals and enhance debt/loan collections/recoveries.

Telling/Cashiering duties both at retail and corporate wherever assigned. O P E R A T I O N S O F F I C E R

Family Bank Limited/Kisii/July 2007-Jan 2008

• Mobilized deposits and grew the asset portfolio for my branch.

• Maintaining and enhancing relationships with borrowers and depositors to ensure a quality book and repeat business.

• Relationship and portfolio management to ensure retention of client base and minimize client attrition.

• Crosselling the bank products and solutions to enhance the Bank’s Market Share.

• Driving Revenue Growth by selling of trade and working capitals Receiving and recording customers' Account opening mandate Establishing schedules and standing orders.

Custodian of the security vault.

Appraisals of personal micro and SME loans.

Customer service and enquiries.

T E A C H E R / A C C O U N T S C L E R K

Nyachogochogo secondary School /Nyamira/May 2006-July 2007 Preparation of Lesson plans

Class teaching of Maths, Physics and social studies General office and Administration duties

cash book analysis, receipting school fees and petty cash processing. REFERENCES

ANTHONY MBEHYA

SIDIAN BANK KENYA LIMITED

COLLINS OWITI

NCBA BANK KENYA LIMITED

+254-***-***-*** +254-***-***-***

adn4ne@r.postjobfree.com adn4ne@r.postjobfree.com

JOAN MWIRIGI

EQUITY BANK KENYA LIMITED

+254-***-***-***

adn4ne@r.postjobfree.com

Contact this candidate