Credit Officer Cover Letter Examples Kenya

I am writing to express my interest in the Credit Officer position at Mizizi AI as advertised. With over five years of specialized experience in credit risk assessment and portfolio management within Kenya's financial sector, I am confident in my ability to contribute meaningfully to your organization. In my current role as Senior Credit Officer at CareerPath Financial Services, I successfully managed a KES 85M loan portfolio, achieving a 92% repayment rate and reducing NPL ratios by 15% through enhanced risk assessment protocols. My implementation of a digital credit appraisal system streamlined operations, cutting processing time by 30% for over 150 monthly applications. Previously at EquityBridge Microfinance, I developed an automated credit scoring model that improved approval accuracy by 25% and recovered KES 12.4M in delinquent loans through strategic restructuring. My expertise in CBK regulatory compliance, SACCO operations, and financial analysis—coupled with proficiency in CRM systems like SAP and T24—aligns with Mizizi AI's innovation-focused approach. I am particularly drawn to the opportunity to apply my field experience with 200+ SME clients in Central Kenya to support your mission of AI-driven financial solutions.