Summary
Overview
Work History
Education
Skills
Timeline
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Moses Ngugi

Broken Arrow,OK

Summary

Dynamic credit risk analyst with a proven track record at TransWood Inc., excelling in financial statement analysis and client relationship management. Enhanced portfolio quality through strategic decision-making and effective communication, ensuring compliance and mitigating risks. Dependable and customer-oriented, I consistently deliver results that drive organizational profitability.

Overview

9
9
years of professional experience

Work History

Owner Operator

TransWood Inc.
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
  • Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
  • Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
  • Attended credit-related training and conferences to stay informed about industry trends and developments.
  • Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
  • Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
  • Made decisions and recommendations about extending lines of credit.
  • Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
  • Gathered loan documentation for underwriting.

Credit Analyst

National Bank of Kenya, Head Office
05.2006 - 11.2014
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
  • Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
  • Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
  • Attended credit-related training and conferences to stay informed about industry trends and developments.
  • Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
  • Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
  • Made decisions and recommendations about extending lines of credit.
  • Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
  • Gathered loan documentation for underwriting.

Education

Bachelor of Arts - Economics

University of Nairobi
Nairobi, Kenya

Skills

  • Operations management
  • Documentation and reporting
  • Business planning
  • Sales negotiation
  • Operations oversight
  • Negotiation
  • Operational reporting
  • DOT compliance
  • Business operations management
  • Client relationship management
  • Strong work ethic
  • Dependable and reliable
  • Customer service
  • Customer-oriented

Timeline

Credit Analyst

National Bank of Kenya, Head Office
05.2006 - 11.2014

Owner Operator

TransWood Inc.

Bachelor of Arts - Economics

University of Nairobi

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Moses Ngugi