I am a highly skilled professional based on my education and experience. I have solid experience in areas of humanity and Christian beliefs. My career objective is to offer effective and result-oriented services to humanity. I am capable of leading multiple teams and ensuring that the quality assignments are accomplished in time.
Overview
12
12
years of professional experience
Work History
BRANCH MANAGER
SMEP MICROFINANCE BANK
01.2023 - Current
Analyze loan applicants financial status, credit history, and property evaluations where need be to determine feasibility of granting loans
To Lead the Branch and mentor the Branch staff towards the achievement of the Banks’ Mission, Vision and the Banks’ Strategic Objectives
Ensure the Branch attains the set targets in the following parameters; High standards of Customer Service, Customer Retention, Deposits, Healthy Loan Portfolio
Develop and maintain critical relationships at the Branch to enhance business Development Enhance relationships with SME’s, High Net worth Individuals, Churches and Institutions to grow business Maintain a balanced portfolio on Church, SME, and Retail and Corporate deposits
Ensure growth of non-funded income business including transactional, alternate and direct banking business
Ensure staff productivity is maintained through support, mentorship, and TAT and customer service
Ensure compliance with both internal and external regulatory requirements Working closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with Business.ss
BUSINESS DEVELOPMENT OFFICER
SMEP MICROFINANCE BANK
01.2017 - 01.2023
Analyze loan applicants financial status, credit history, and property evaluations where need be to determine feasibility of granting loans
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information
IPF loans training and marketing to customers
Preparing timely reports on the loan portfolio for the credit committee meetings
Handle customer complaints and take appropriate action to resolve them
Work with clients to identify their financial goals and to find ways of reaching those goals
Analyze potential loan markets and develop referral networks in order to locate prospects for loans
Follow up loan collection and debt recoveries from the clients
OTHER DUTIES WHEN ASSIGNED 1)-Teller reliever -cash management - Perform all customer transactions -account opening -KYC uploading in the system -updating daily financial records -Customer Service 2) Branch Operations Manager - Daily Cash management - monitor the bank safe/strong room -feeding daily cash transition in required data bases -To control and monitor money laundering and KYC - Branch administration
Operations Officer
East Africa online transport agency
04.2015 - 03.2017
Transportation and Logistics Risk Management
Sells and Marketing Accountant Tele-Collection Debt Recovery Monitor Online Transporter accounts and their performance
Attachment in the following department
National Bank of Kenya Bungoma Branch
04.2012 - 07.2012
Customer Services -Issuing Account balance -Giving out Replaced ATM to customers -Preparation of clients account transactions statement Processing and Administration -Sending out RTGS and SWIFT -Reconciliation or Teller and cash account
Issuing of departmental stationeries -Branch accountings Loans/Risk Management -Sending loan into the pipeline -issuing out loan balance to clients -Processing standing orders and stop orders
Training clients on the best loan facility they need -Monitoring loans and giving remedial action on defaulters Cash -Receiving deposits from customers -Banking cheques -Issuing out Cash to clients who have done withdrawals
Education
No Degree - Certificate in Credit And Risk Management
Tustawi And Smep Microfinance Bank.
Nairobi
04.2001 -
Bachelor of Arts - Business Management- Finance And Banking
Moi University
Eldoret, Uasin Gishu, Kenya
04.2001 -
Skills
Work Prioritization
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Professional Skills And Competencies
Strong customer care relations
Strong analytical skills and results oriented
Excellent verbal and written communication skills
Strong marketing skills
Knowledge in legislation relating to lending and lending portfolio management
Other Responsibilities
Picas – Agribusiness Training
Member of Moi University Business Management Student’s Association (B.M.S.A)
Participated in Corporate Responsibilities of Cleaning Kahoya Market (by B.M.S.A)
Member of Transwest Students Organization
Member of Moi University Finance and Accountings Students Association (M.U.F.S.A)
Professional Referees
Wilberforce Anzere, Manager Phoenix of East Africa Assurance Company, P.O Box 3900 - 30100, Eldoret, 0720-484 926
Mr. Oliver Wakutayi, Manager National Bank of Kenya, P.O. Box 25 – 50200, Bungoma, 0722 608 579
Mr. Haron Sakwa, Branch Manager Smep-Kakamega, Siro Centre Eldoret, Kakamega, 0720617980s
Academic And Professional Qualifications
2023-2024, Certificate in Credit and Risk Management- Tustawi and Smep Microfinance Bank.
2009-2013, Bachelor of Business Management [Finance&Banking Option], Second Class Honors (Lower division), MOI UNIVERSITY, KENYA
2006-2008, Kabuyefwe Boys Secondary School Kenya Certificate of Secondary Education K.C.S.E with a Mean Grade of B-.
2003-2006, Bungoma High School.
1996-2002, Manyasa Primary School Kenya Certificate of Primary Education K.C.P.E with 335 Marks.
Personal Information
Date of Birth: 1987
Nationality: Kenyan
Marital Status: Married
Timeline
BRANCH MANAGER
SMEP MICROFINANCE BANK
01.2023 - Current
BUSINESS DEVELOPMENT OFFICER
SMEP MICROFINANCE BANK
01.2017 - 01.2023
Operations Officer
East Africa online transport agency
04.2015 - 03.2017
Attachment in the following department
National Bank of Kenya Bungoma Branch
04.2012 - 07.2012
No Degree - Certificate in Credit And Risk Management
Tustawi And Smep Microfinance Bank.
04.2001 -
Bachelor of Arts - Business Management- Finance And Banking
Business Development Officer (Team Leader – Logbook Loan) at Smep Microfinance BankBusiness Development Officer (Team Leader – Logbook Loan) at Smep Microfinance Bank