ABEDNEGO NZOMO

As a resourceful and multiskilled professional, I am seeking for avenues where I can maximize my career potential in Credit  management. My expert skills includes; credit management, co-operative accounting, credit risk management, financial reporting, financial control as well as credit management. I am competent in handling all general financial operations whilst contributing to credit risk controls and ensuring the smooth running of credit operations. Driven by my strong analytical, attention to detail, communication, problem-solving and organizational skills, I have established a unique ability to steadfastly manage duties and responsibilities pertinent to the growth of an organization. I am now seeking a mid-level position where I can utilize my expertise in ensuring accountability in the general operations of the credit unit.

Sacco Officer
Hand in Hand Sacco Society Ltd; APRIL 2022 - To Date
Duties and Responsibilities
Implementing the SACCO’s strategic business plans.
Attending to customers and handling customers’ correspondences.
Effecting customer queries and instructions.
Appraising and advising members on loan eligibility.
Coordinating the loan processing activity at the office.
Advising members on loan approval status.
Carrying out funds transfer instructions.
Receiving and issuing application forms and handling deduction adjustments.
Maintaining timely, accurate and balanced records.
Ensuring that correspondences are promptly and appropriately tackled and that issues pertaining to customer care are competently handled.
Handling any other duty that may be assigned by supervisors.
Ensuring completeness of loan application forms and adequacy of information provided.
Ensuring that SACCO’s investments and management have balanced investment portfolio.
Preparing Sacco’s financial & operational plans, forecasts, and budgets and conceptualizing and explain variances.
Ensure that there is prudent management of costs so as to achieve business growth as outlined in the strategic plan.
Supporting the board’s decisions making preparation, analysis & presentation of comprehensive, timely, reliable, and compliant financial reports.
Ensuring effective implementation of financial, operational & accounting policies and procedures.
Preparing weekly, monthly, and quarterly reports on the performance of the entire SACCO’s key result areas for the board and advising them accordingly.
Ensuring compliance with all statutory and regulatory requirements of the SACCO & be able to propose changes to the board such as SACCO ACT, rules, by-laws, SASRA ACT, and Cooperative rules.
Developing and providing high-quality products and efficient services which are value-adding to members so as to enhance market share and revenue command of the SACCO.

Intern
Nairobi City Council Co-Operative Development Department; May 2019 – April 2022
Duties and Responsibilities
Auditing financial statements of various co-operative societies.
Preparing final financial statements.
Performing bookkeeping work for various societies.
Presenting final audited financial statements to members at the annual general meeting.
Presiding over Cooperatives Annual General Meetings.

Intern- Credit Officer
B-Smart Sacco Society Limited, Nairobi; January 2019 to April 2019
Duties and Responsibilities
Obtained information from loan applicants and answered questions about the loan process.
Analyzed and verified applicant’s financial status, and personal and business information to determine the feasibility of granting loans.
Ensured efficient and prompt recovery of loans disbursed and interest accrued.
Vet guarantors through Sacco software.
Computed payment schedules. 
Reviewed loan forms to ensure that they are complete and accurate. 
Performed teller tasks from time to time. 
Followed up on phone calls with overdue clients to ensure debtor’s accounts are up to date.
Registered new members into Sacco Management System.

Dispatch Clerk 
Dpl Festive, Nairobi; November 2015 to August 2016
Duties and Responsibilities
Managed accurate and efficient stock transfers during the loading of trucks from the loading bay.
Ensured that products dispatched are of the right type, quantity and in the right condition.
Performed cycle counts on stock before handing it over to the next dispatch clerk at the end of my shift.
Assisted in loading and offloading crates from trucks.
Prepared work orders and followed all company regulations.
Monitored the route and status of field units to coordinate and prioritize their schedule.

2023- Bachelor of Business Administration (in progress)

University of people, Clifornia USA (Distance Learning)

Diploma in Microfinance: The Cooperative University of Kenya: 

2016 to 2018
Kenya Certificate of Secondary School: Kisasi Boys High school; 2011 to 2014