Joanne Karukuru
P.O Box 1526, Waterfront
Summary
A lending specialist with commitment to high standards and achieving results. Extensive experience in evaluation of loan applications at origination, knowledgeable with the end to end loan process and providing financial guidance to clients. Known for managing loan portfolios, teamwork, reliability, and adaptability in dynamic environments.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Home Lending Specialist
Kina Bank Limited
03.2023 - Current
- Responsible for clientele enquiries and account management relating to the Bank's Home Loan Products
- As well as ensuring continuity in all facets of the consumer lending service flow such as loan initiation, credit assessment and submission, documentation and settlements
- Portfolio arrears and insurance management, as well as maintaining constant contact with customers
Home Lending Assistant
Kina Bank Limited
11.2020 - 05.2023
- Reporting to the Senior Manager Home Lending Services, responsibilities include;
- Responsible for preparing all loan documents and ensuring accuracy in order to have a fully compliant mortgage loan
- Responsible to coordinate the smooth running of the loan closing proceedings and ensure all loans are closed in a timely manner
- Act as intermediaries between all parties in a real estate closing transactions, and communicating with applicants, agents, valuers, insurers, Lands Department and vendors to resolve any issues
- Ensuring that all terms of the loan are met and loans settled within the offer validity period
Home Loans Manager
Kina Bank Limited
01.2019 - 11.2020
- Roles and Responsibilities similar to my current role - Home Lending Specialist
Assistant Business Partner
Kina Bank Limited
03.2017 - 01.2019
- Assisting the Business Partner with management of a Portfolio of some of the Banks high value corporate and commercial clients
- The role includes; maximizing the portfolio base and profitability of the Bank, with emphasis on cross selling opportunities in line with overall Business Unit Objectives
- Credit Writing
- Attend to annual reviews reporting
- End to End Loan Process (approval to settlement of loans) in collaboration with the Lending Support Unit
- Arrears and Insurance Management
- General Customer File Maintenance
- Attending to Customer Queries
- Inputting Financial Statements onto the excel tool used by Business
Lending Officer
Bank South Pacific (BSP)
10.2012 - 03.2017
- Provide assistance to the Relationship Manager and Credit Analyst with the preparation of Credit Applications (deals from K100k to K5m)
- Provide assistance to Credit Analyst with annual review of existing loans
- Accurate input of financial statements onto Moody's Financial Analysis Tool
- Assist customers with loan enquiries
- Assist with end to end loan process, collaboration with lending support team ensuring approved loans are correctly documented and issued to customers in a more timely and efficient manner
- General file maintenance
- Arrears and Insurance management
Relationship Officer
Westpac Bank ( Corporate Banking)
03.2012 - 10.2012
- Provide assistance to the Relationship Manager and Credit Analyst with preparation of less complex deals and for any increases in existing credit facilities
- Attend to Annual Reviews for accounts that are due for reporting
- Assist with the end to end loan process and collaboration with the lending support unit ensuring accuracy with loan documentation and settlement of client loans
- Any other duties as delegated by the Relationship Manager
Collections Officer
Westpac Bank (Credit & Risk Unit)
03.2010 - 03.2012
- Attend to loan delinquency reports for accounts over due more then 30-120+days out of order
- Investigate and action via contacts with customers and Personal Banking Managers (emails, phone calls and issuance of arrears notice)
- Provide support to the relationship teams to recover bad debts and adequate provisioning for problem loans
- Implementation of corrective, remedial or exit strategies
Teller
Westpac Bank
02.2009 - 03.2010
- Duties include general customer service and teller
Accounts Clerk
Nambawan Trophy Ltd
12.2007 - 02.2009
- Manual Cash Book Updating
- Updating of invoices onto Pronto System for timely billing of accounts
- Cheque Processing
- Respond to and resolve account queries
- Maintaining a filing system for AR and AP
Education
Diploma In Business Studies -
Divine Word University
Port Moresby Campus03.2025
Grade 12 Higher School Certificate -
Port Moresby National High School
11.2006
Grade 10 Higher School Certificate -
Tokarara Secondary School
11.2005
Skills
- Financial Analysis
- Credit Assessment
- Multi-tasking
- Interpersonal & Effective Communication
- Customer Service
- Knowledge of Lending Procedures (end to end loan process)
- Knowledge of Lending Products
- Portfolio management
- Loan origination
- Computer Literacy
Websites
Certification
Moody's Analytics, Certificate for successful completion of Online Lessons + Online Exams in various risk assessments and credit applications.
Languages
English (both oral and written)
Pidgin
Personal Information
- Date of Birth: 06/22/87
- Gender: Female
- Nationality: Papua New Guinean
Hobbies and Interests
- Cooking
- Reading
- Gardening
- Travelling
- Sports
Timeline
Home Lending Specialist
Kina Bank Limited
03.2023 - Current
Home Lending Assistant
Kina Bank Limited
11.2020 - 05.2023
Home Loans Manager
Kina Bank Limited
01.2019 - 11.2020
Assistant Business Partner
Kina Bank Limited
03.2017 - 01.2019
Lending Officer
Bank South Pacific (BSP)
10.2012 - 03.2017
Relationship Officer
Westpac Bank ( Corporate Banking)
03.2012 - 10.2012
Collections Officer
Westpac Bank (Credit & Risk Unit)
03.2010 - 03.2012
Teller
Westpac Bank
02.2009 - 03.2010
Accounts Clerk
Nambawan Trophy Ltd
12.2007 - 02.2009
Diploma In Business Studies -
Divine Word University
Grade 12 Higher School Certificate -
Port Moresby National High School
Grade 10 Higher School Certificate -
Tokarara Secondary School
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