About Leonard Nangila

  • Academic Level Master’s Degree
  • Age 38 - 42 Years
  • Gender Male
  • Expected Salary $ 4000
  • Department Finance
  • Viewed 132

About me

Resourceful, objective driven, resilient, and analytical Credit Risk analyst and Business Development professional with 13 years of progressive growth and experience in the Banking and Impact Investment Sectors. Experienced in Relationship Management, Business growth, financial due diligence, Credit appraisal, structuring, negotiation, portfolio monitoring and growth and Remedial management.

Education

Experience

  • 2022 - 2022
    Inkomoko

    Portfolio Manager

    Enhancing Financial Inclusion for Micro & SME entrepreneurs through Capacity building, Market linkages, prudent debt investment management from sourcing, origination, securitization, post disbursement monitoring, collections to enhance growth in revenue, create employment and enhance business sustainability for refugee and host community in Kakuma, Garissa/Dadaab. • Investment processing through sourcing and screening MSME Entrepreneurs, carrying out due diligence, financial analysis and preparation of Credit proposals for financing. • Revamped the Investment policy, Investment templates and redefining the lending processes for the SME market in Kenya, Rwanda and Ethiopia. • Enhanced compliance to regulatory requirements by stablishing the legal panel that oversees loan contracting and review of partner agreements prior to execution. • Chairing the Credit Committee under the portfolio manager’s approval rights to approve Credit proposals, Presenting Investment memos to higher approval authorities including the Board • Field management of investment officers- capacity building, cost management, logistics and services to facilitate smooth functioning of the investment team. • Portfolio management through Collections and remedial management by restructuring, trend analysis to ensure that the PAR and NPL are within the budget, report on bridges of covenants and industry specific emerging trends • Launched Islamic Financing to cater for Islamic finance customers in Kenya through tailor making products that serve our customers better. • Developed the Islamic lending policy and lending templates that comply with sharia tenets and Prudential guidelines • Leading the investment team in successful implementation of the IFC/AECF Kakuma Kalobeyei Challenge fund (KKCF) grant to achieve the desired impact on gender lens financing, revenue growth, employment creation and business sustainability • Team leader in carrying out Business Advisory Service Provider (BASP) duties under the USAID’s Kenya Investment Mechanism Program targeting financing to enterprises in the Agriculture Value chain. Led sourcing, appraisal, reporting, invoicing and post disbursement management of the USAID Kenya Investment Mechanism portfolio • Portfolio reporting to donors( Master card Foundation, KIVA, IKEA foundation, IFC/KKCF and contributing to the funding strategy of the organization • Working closely with the Monitoring, Evaluation and learning team to evaluate Impacts on number of people employed, business sustainability and revenue growth). • Management, review and preparation of the Service level agreements with other departments to enhance customer service levels. • Document drafting including deal teasers, investment memos, term sheets and investment contracts • Stakeholder relationship management including donors, clients and government agencies and regulatory entities through participation in scheduled events to show case Inkomko brand. • Supporting the Investment Director in firming the long term and short term strategy, portfolio concentration limit and overall growth of a quality portfolio. • Recruit and build capacity of Investment officers through regular training on credit and business development and updates on emerging trends on matters affecting credit risk.

  • 2020 - 2021
    Palladium Group LLC/ USAID-Kenya Investment Mechanism Program

    Business Advisory Services Provider

    Subcontracted by Palladium Group to provide business advisory services to beneficiary agro-based SMEs through primarily supporting Capacity Building and making them financing ready. Overseeing, Debt and Equity deal sourcing, origination, proposal writing and linkages to Financial Institutions, capacity building and post disbursement monitoring including restructuring for enterprises in the Agricultural value chain • Created a pipeline of deals for credit and/or investments for approved enterprises within the Agricultural sector’s value chain, and geographic region, as identified by KIM. • Carried out due diligence including market research and submission of Financing proposals to financial institutions, lenders, or investors for Debt and Equity for SMEs in the Agricultural value chain • Oversaw origination of financing proposals including deal teasers, financing memo together with relevant documentation to secure approval from relevant FIs. • Followed up with the enterprise’s utilization of the received financing and monitoring for debt repayments as well as collections and remedial action to maintain a performing book. • Undertook financial analysis to determine payment ability, to identify risks and mitigation to secure financing. • Monitored credit portfolio to foresee risk of default, need for restructuring or additional funding. • Carried out gender lens financing to enhance financial inclusion for SMEs owned by women in the Agriculture space. • Worked closely with the Financial Institutions (FIs) in securing approvals for SMEs in the Agriculture value chain. • Contributed to the growth strategy for venture investments (Debt &Equity) for enterprises in East Africa. • Determine adequacy of the existing credit limits • Evaluate the existing limits, analyze the financials and recommend increase of working capital based on the demand • Collect documentation from the client and package an application with various financiers • Source for the banks and present the proposal • Act as liaison between the customer/distributor and the FI, in addressing the shortcomings of the proposal, mitigating any emerging risks as suggested by the FI and secure approval • Help the distributor meet the approval terms, covenants and conditions precedence, facilitate execution of the offer letter and securitization of the facility and timely disbursement • Engage USAID through Palladium to secure pre-approval of the facility, eventual guarantee of the facility as required by the FIs • Post disbursement management of the facility including capacity enhancement of the distributor, monitoring repayments, future enhancement of the limits and restructuring

  • 2021 - 2021
    Euro Exim Bank

    Trade Finance Consultant-Kenya

    • Successfully grew a portfolio of Structured trade finance deals from Kenyan Corporate and SME customers • Appraised and funded Corporate and SME clients with post import financing and working capital finance. • Carried out post disbursement management of the portfolio to ensure adherence to covenants of approval and improve the portfolio at risk to <5% pf the portfolio • Determined remedial measures including restructuring and realignment to suit existing cash flows. • Enhanced revenue collections on trade finance and working capital deals in Kenya

  • 2015 - 2020
    National Bank of Kenya Limited

    Head of Credit Origination

    End to end management of the Credit Risk through development and improvement of the credit policy, adherence to CBK prudential guidelines, sector concentration limits, Industry and market research and post disbursement management. • Led the team that improved lending processes including procurement of the Credit System, training of staff and data migration. • Ascertained the client’s creditworthiness through due diligence, Industry, and financial analysis. • Ensured that Credit proposals adhere to the approved procedures, policies, The Banking Act, CBK Prudential guidelines, Islamic rules and product underwriting standards. • Reviewed and improved the Credit policy and financing products to maximize revenue and reduce losses through review of the collections policy • Reviewed the portfolio including exception reports, utilization of facilities, past-dues, expired credits, concentration of risk at group exposure and industry level. • Conducted market analysis and Industry trend monitoring to ensure lending is concentrated on profitable sectors • Supported Relationship managers in deal origination by carrying out client site visits • Monitored past dues, irregularities, and non-adherence to approved covenants and conditions to ensure minimal PAR as per budget.

  • 2011 - 2014
    National Bank of Kenya Limited

    Relationship Manager

    • Attained customer revenues and profitability targets. • Achieved growth and retention of the Banks Corporate client portfolio. • Successfully analysed and identified new business opportunities from existing portfolio and cross-selling. • Analysed client’s business and correctly anticipated their needs and matched the needs with appropriate products through presentation and tailored proposals to the customer. • Negotiated terms and conditions with customers to maximize on bank revenue. • Carried out customer client visits and due diligence. • Collected requisite documentation to facilitate processing of client applications. • Proposed timely and quality preparation of credit applications to approvers. • Timely reviewed the loan portfolio to minimize impairment and reduce NPL to within budgeted levels. • Tracking facilities application through appraisal and post approval process to ensure timely decisions and disbursement. • Successfully resolved customer complaints and communicate credit decisions to customers in time.

  • 2009 - 2011
    National Bank of Kenya Limited

    Credit Analyst

    • Responsible for analysing Business and financial reports to determine risk involved in extending credit. Scrutinizing financial data such as market share, income growth, and management quality to decide if loans will be lucrative. Over and above, be part of post approval monitoring and portfolio health through the • Risk management through preparation of Credit Proposals, monitoring • Maintain and exercise control over respective RM portfolios and provide support to Relationship Managers • Prepare Business Credit applications, financial analysis, risk analysis, industry analysis, financial spreads and projections and credit grades • Compare liquidity, profitability and credit histories of individuals and companies being evaluated to determine credit worthiness • Proactively manage risk through monitoring risk triggers, covenants and report any breaches