ANN GATHONI NDINGURI
Summary
Seasoned finance professional with a distinguished career in Investment Analysis, Credit Analysis, and Financial Management . A strategic thinker and dynamic relationship builder, adept at identifying profitable investment opportunities, structuring financial solutions, and strengthening corporate client relationships .
Proficient in conducting in-depth financial analysis, risk assessment, and market research to drive informed decision-making and optimize asset performance. Expertise spans corporate finance, credit risk management, regulatory compliance, and portfolio optimization , ensuring sound lending decisions and sustainable revenue growth.
Proven track record of enhancing profitability through cross-functional collaboration, maintaining high-quality loan portfolios, and maximizing returns on investment . Committed to regulatory compliance, financial innovation, and continuous professional development , bringing strong analytical acumen, leadership capabilities, and a results-driven approach to finance and investment roles.
Overview
6
6
years of professional experience
Work History
Relationship Manager
Victoria Commercial Bank Plc
11.2022 - Current
- Client Portfolio Management : Manage and oversee a diverse portfolio of corporate clients, ensuring their banking needs are met effectively, and relationships are nurtured for long-term business growth. Disbursed loans exceeding Kes 1 billion to clients, contributing to an increase in the bank's loan book by 30 %. Facilitated the acquisition of 250 million in corporate deposits through tailored solutions and exceptional service delivery.
- Needs Assessment and Solution Development : Conduct detailed client needs assessments and offer tailored banking solutions, including credit facilities, cash management, trade finance, and treasury services. Successfully collaborated with internal teams to implement customized solutions for clients, resulting in improved service delivery and a 20% increase in customer satisfaction.
- Risk Analysis & Credit Assessment : Perform rigorous credit risk assessments and financial analysis on corporate clients, ensuring appropriate risk mitigation strategies are implemented for all credit facilities.
- Cross-Selling Bank Products : Promote a broad range of banking products (e.g., loans, trade products, foreign exchange, cash management solutions) to clients, driving revenue growth and increasing client retention. Drove profitability by increasing sales of high-margin products, such as FX transactions, trade finance , and cash management services , resulting in 48 % growth in fee income.
- Stakeholder Liaison : Serve as the primary point of contact between clients and internal departments (e.g., credit, operations, risk, compliance), ensuring smooth communication and resolution of any client issues. Played a key role in reducing the bank's non-performing loan ratio by conducting thorough credit assessments and implementing risk mitigation strategies for high-risk clients.
- Client Retention and Relationship Growth : Build and maintain strong, long-term relationships with key stakeholders at client organizations, working to expand business opportunities and increase client satisfaction. Retained and strengthened relationships with key corporate clients, achieving 30 % client retention rate over 2 years
- New Client Acquisition : Actively prospect and onboard new corporate clients by leveraging existing networks and identifying new business opportunities, driving bank growth. Streamlined the onboarding process for new clients, reducing the average time to approval by 52 % , enhancing client satisfaction and operational efficiency.
- Financial Reporting & Strategic Planning : Prepare detailed reports on client activity, portfolio performance, and market trends, providing insights to senior management for strategic decision-making.
- Led workshops and seminars for clients on financial literacy, banking solutions , and industry trends , reinforcing the bank's role as a trusted advisor.
- Pioneered initiatives to improve digital banking adoption among corporate clients, leading to a 46 % increase in e-banking platform usage.
Finance and Administration Consultant
Farsight Africa Group Limited
09.2021 - 10.2022
- Reduced GL Reconciliation Time : Streamlined general ledger reconciliation processes, reducing the turnaround time from 10 days to 5 days , significantly improving operational efficiency.
- Successful Budget Management : Contributed to the preparation and monitoring of multi-million-dollar budgets for projects in Somalia and Liberia , ensuring strict adherence to financial guidelines and minimizing budget overruns.
- Enhanced Project Quality Assurance : Led financial oversight for key projects in Somalia , Liberia , and Gambia , ensuring strict adherence to quality standards and efficient project execution.
- Audit Compliance & Issue Resolution : Coordinated with auditors from CBK , KRA , and internal teams to prepare audit schedules, effectively managing the audit process and ensuring the timely closure of all audit queries.
- Accurate Statutory Remittances : Ensured 100% accuracy in the preparation and submission of statutory returns to NSSF , NHIF , and KRA , meeting compliance deadlines and avoiding penalties.
- Supplier Payment Efficiency : Managed the timely settlement of payments to both lo cal and foreign suppliers , ensuring the smooth flow of operations and maintaining strong vendor relationships.
Debt Recovery Manager & Litigation Administrator
McKay and Company Advocates
10.2020 - 08.2021
- Debt Collection : Engaged with debtors via calls, emails, and demand letters, effectively pursuing collections on outstanding debts owed to clients.
- Debt Portfolio Management : Managed a portfolio of debts, achieving 75% collection (valued at 30 Million Kenyan Shillings ) within 6 months, exceeding recovery targets.
- Business Development : Promoted the firm's core services, including conveyancing, commercial law, banking services, legal audits , and litigation to attract new clients and expand the firm's client base.
- Tender & Proposal Preparation : Developed comprehensive t ender documents, RFPs , and RFQs to secure new business opportunities across all departments.
- Litigation Administration : Prepared court briefs for advocates and status reports for clients, ensuring timely updates on case progress.
- Court Scheduling & Reminders : Managed the department's weekly calendar, ensuring all necessary court attendances were scheduled and clients were reminded of upcoming hearings.
- Successful Debt Recovery : Collected 75% of a Kes 30 Million debt portfolio within 6 months, significantly reducing outstanding balances and enhancing client satisfaction.
- Business Growth : Contributed to the firm's expansion by effectively marketing its legal services and winning new business through targeted proposals and presentations.
- Streamlined Litigation Process : Improved efficiency in case management by preparing timely court briefs and ensuring smooth scheduling and reminders for court appearances.
Relationship Manager- Corporate Banking
Guarantee Trust Bank (Kenya) Limited
04.2019 - 06.2020
- Developed and executed customer retention strategies by providing tailored cash management solutions to corporate clients, enhancing long-term business relationships.
- Successfully marketed the bank's products, offering specialized financial services that strengthened our competitive edge, resulting in increased deposits and loan disbursements.
- Achieved 1049% of my FX target in a single transaction through strategic marketing efforts, leading to a promotion from Retail to Corporate Banking.
- Facilitated loan disbursements totaling 700 million Shillings , expanding client credit limits to drive business growth and deepen relationships.
- Negotiated and customized financial products to address client-specific needs, ensuring sustained engagement and satisfaction.
- Boosted the bank's profitability by optimizing revenue streams, including transactional fees, FX transactions, service charges, and professional fees.
- Maintained exceptional client service standards, fostering strong relationships that contributed to portfolio growth.
- Ensured strict adherence to Know Your Customer (KYC) procedures and compliance requirements during the onboarding process, effectively mitigating risk.
- Upheld full compliance with banking regulations in Kenya and Nigeria , aligning with legal and regulatory policies to safeguard institutional integrity.
Finance Intern
Kenya Tea Development Agency (KTDA)
10.2018 - 03.2019
- Reconciled debtors' and creditors' statements, ensuring accuracy in financial records.
- Processed and raised invoices for 69 factories, maintaining efficient billing operations.
- Managed cheque deposits and prepared cash books and bank reconciliations to ensure accurate financial reporting.
- Classified and validated financial data, ensuring error-free and timely posting in the accounting system.
- Prepared accounts payable and receivable reports, supporting effective cash flow management.
Education
CFA Level 1 - Financial Analysis
CFA
11.2025
IBM Data Analytics with Excel and R - Data Analytics With Excel And R
Coursera
04-2025
Credit Management and Organizational Effectiveness -
Flame Consulting
01.2019
Bachelor in Economics & Finance -
Kenyatta University
01.2017
Kenya Certificate of Secondary Education (K.C.S.E) -
Kahuhia Girls' High School
01.2012
Skills
- Strategic Thinking & Problem-Solving
- Communication & Presentation Skills
- Attention to Detail & Accuracy
- Adaptability & Continuous Learning
- AML, KYC, and Risk Management
- Excel (Advanced)
- Power BI, Tableau (for financial visualization)
- High-Net-Worth & Institutional Client Management
- Negotiation & Deal Structuring
- Financial Advisory & Wealth Management
- Networking & Business Development
- Corporate Finance & Deal Structuring
- Investment Analysis & Portfolio Management
- Risk Assessment & Credit Analysis
Membership
- Member of AIESEC in Kenyatta University
- Rotaract Club of Westlands
Key Professional Skills
- Exemplary communication, convincing and counter answering abilities
- Good sales and negotiation skills
- Problem solving skills
- Interest in financial products and markets
- Deep knowledge in Accounting, Finance and data analysis
- Excellent conflict resolution, communication, information analysis, coordination, and resource management
- Committed team player
- Advanced knowledge of a Core Banking System
- Advanced knowledge in Ms. Excel and Office Suite
- Excellent documentation & report writing skills
- Excellent ability in multi-tasking to beat deadlines
Dancing
It makes me feel alive. I specifically love salsa, bachata and kizomba
Languages
Swahili
Native language
English
Proficient
C2
Timeline
Relationship Manager
Victoria Commercial Bank Plc
11.2022 - Current
Finance and Administration Consultant
Farsight Africa Group Limited
09.2021 - 10.2022
Debt Recovery Manager & Litigation Administrator
McKay and Company Advocates
10.2020 - 08.2021
Relationship Manager- Corporate Banking
Guarantee Trust Bank (Kenya) Limited
04.2019 - 06.2020
Finance Intern
Kenya Tea Development Agency (KTDA)
10.2018 - 03.2019
Credit Management and Organizational Effectiveness -
Flame Consulting
Kenya Certificate of Secondary Education (K.C.S.E) -
Kahuhia Girls' High School
CFA Level 1 - Financial Analysis
CFA
IBM Data Analytics with Excel and R - Data Analytics With Excel And R
Coursera
Bachelor in Economics & Finance -
Kenyatta University
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