Carolle Nderitu

Developed and implemented a new strategy to address specific credit issues increasing customer satisfaction scores by 20%. Provided guidance and advice clients about credit scores, credit reports, and how various financial decisions can impact their creditworthiness, resulting in a 90% customer retention rate and positive feedback.

Developed and maintained models and tools that predict potential losses and different risks. Conducted risk assessments in different departments to identify threats and vulnerabilities and remedying of the exposure.

Analyzed credit proposals from business units enabling quick decision making and meeting the expected turnaround time. Provided thorough and insightful credit analysis reports that supported loan decisions, ensuring efficient, timely service to loan officers.

Managed portfolios of investments for clients, resulting in a 30% increase in portfolio value over a one-year period. Evaluated credit proposals and ensured the credit applications process on a timely basis with the bank’s set turnaround times.

Reviewed documents to identify potential risks or opportunities in order to help clients make investment decisions. Monitored borrower accounts for delinquencies or other issues that may need to be addressed.

Provided financial advice to small businesses on topics such as capitalization, debt management, and cash flow analysis. Evaluated customer creditworthiness based on financial history, status of debts, and financial assets.

Developed and executed a comprehensive risk management plan, resulting in a 20% reduction in fraudulent activities and a 10% decrease in financial losses. Implemented customer relationship management strategies, leading to a 15% increase in customer retention and a 10% growth in customer referrals.

Analyzed macro-economic data relating to different countries and formulated detailed spreadsheets to identify trends and develop forecasts. Kept up to date with key market developments and new investment products.

Handled accounts opening, member registration, journal entries, loan registration, loan disbursement, and loan approval. Gained practical experience in various aspects of financial record-keeping and loan processing within a cooperative.

Handled preparation of payroll, invoice reconciliation, preparation of tax returns, and budget monitoring. Ensured accurate financial record-keeping and compliance with tax regulations.

Participated in the Anti-jigger campaign in Kisumu Rural. Contributed to public health initiatives aimed at improving community well-being.

Participated in AIDS Awareness campaign and Outreach in Nyalenda slums, Kisumu. Served as a Peer Educator, contributing to community health education.

Completed a Master of Business Administration program, focusing on advanced business principles and management strategies. Gained expertise in areas such as financial management, marketing, and organizational leadership.

Studied Economics, gaining a strong foundation in economic theories, principles, and analytical methods. Developed skills in data analysis, economic modeling, and policy evaluation.

Completed Certified Public Accountant (CPA) Part 2, focusing on advanced accounting principles and practices. Developed expertise in financial reporting, auditing, and taxation.