Cristopher Katiso Maingi
Relationship Manager
Matuu, Machakos District
Summary
Dynamic Relationship Manager with a proven track record at Equity Bank Kenya Limited, excelling in customer relationship management and loan credit evaluation. Expert in building strong client connections, driving portfolio growth, and enhancing customer satisfaction. Adept at cross-selling financial products, ensuring compliance, and mitigating risk to achieve optimal results.
Overview
22
22
years of professional experience
3
3
Certifications
Work History
Relationship Manager-Sme-corporate Branch
Equity Bank Kenya Limited
01.2019 - 01.2026
- Built and maintained strong relationships with SME and corporate clients, ensuring high levels of customer satisfaction in turn ensure growth of balance sheet both on asset book and deposit.
- Assess clients’ creditworthiness by reviewing financial statements, audited reports, and business performance to determine loan eligibility.
- Facilitates loan application processes by preparing and submitting complete credit documentation, ensuring accuracy and compliance with internal policies
- Monitor and manage a portfolio of performing and non-performing accounts to mitigate risk and improve asset quality.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Coordinated efforts between various departments such as sales, credit assessment, operations teams for smooth delivery of services to clients.
- Conducted in-depth market research to identify new business opportunities and potential areas for expansion.
- Ensure adherence of policies and procedures from regulatory authorities, Equity bank and other stakeholders.
- Ensure audit and risk rating for the Branch improves and is within set thresholds as per the key performance indicators communicated sometimes.
Assistant Relationship Manager-Credit
Equity Bank Kenya Limited
05.2013 - 12.2018
- Participated in weekly team meetings to discuss progress towards goals and share best practices for improved performance outcomes.
- Be on top notch management of PAR to cases of 1+ to 89 PDP in liaison with the collection and cure solutions Work in Co-operation with Credit Administration to identify and monitor problem loans & possible delinquent facilities for further action.
- Conducted comprehensive credit risk assessments on potential clients to maintain a healthy lending portfolio and minimize risk exposure.
- Participate in the development of the annual and quarterly financial plans and budgets for the Branch.
- Assisted Credit Managers in managing a diverse portfolio of clients, ensuring optimal satisfaction levels.
- Ensure compliance with internal risk policies and regulatory requirements throughout the credit lifecycle.
- Initiate security perfection processes including valuations, legal charge registration, and insurance cover verification.
- Coordinate with valuers, lawyers, and collateral management units to ensure timely and accurate security documentation.
- Managed a variety of administrative tasks such as preparing reports, maintaining accurate records, and updating client profiles, streamlining workflow processes within the team.
Credit Administrator-Variuos Branches
Equity Bank Kenya Limited
01.2010 - 04.2013
- Improved credit department efficiency by streamlining processes.
- Ensured compliance with industry regulations and internal policies through diligent oversight of the credit administration process.
- Reduced delinquency rates by conducting thorough credit evaluations for prospective clients.
- Enhanced profitability by monitoring loan portfolio performance and managing risk exposure.
- Reviewed and analyzed loan procedures.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Referred delinquent accounts to collections department or outside resources.
- Investigated and resolved customer disputes related to credit decisions.
Credit Officer Consumer Lending
Equity Bank Kenya Limited
04.2007 - 12.2009
- Build and maintain strong relationships with Consumer customers.
- Source for new clients to the bank within the segment.
- Cross selling bank products and services
- Serve as the primary point of contact for client queries, issues, and support.
- Assess Consumer clients’ credit needs and advise them on appropriate loan products.
- Assist in collecting necessary documentation for credit analysis and loan processing of consumer loans
- Monitor loan performance and follow up on repayments or arrears.
- Ensure adherence to banking policies, procedures, and regulatory requirements
Accountant's Assistant
Petgra Consultants Limited
02.2005 - 03.2007
- Facilitated smooth payroll processing by accurately entering employee hours, deductions, and benefits information into payroll system.
- Optimized cash flow management strategies through diligent monitoring of incoming funds, outgoing expenses, and working capital requirements.
- Assisted with the preparation of annual budgets, providing detailed analysis and recommendations for cost-saving measures.
- Maintained up-to-date records of accounts payable and receivable, ensuring accuracy and timeliness in financial reporting.
Accounts Receivable Assistant
General Motors East Africa Limited
07.2004 - 02.2005
- Inventory reconciliations
- Analyze and Reconcile staff accounts and export Dealers Commission Accounts
- Dispatch Customer Statements
- Ensure all receipts are matched with the relevant invoices
Education
Bachelor of Arts - Economics And Sociology
University Of Nairobi
Nairobi 04.2001 -
Bachelor of Arts - Economics And Sociology
University Of Nairobi
Nairobi 04.2001 -
Skills
Relationship building
Customer relationships
Relationship management
Customer service
Loan Credit and Evaluation
Sales and Marketing
Certification
Risk & Relationship Management by Tom Lawton
Timeline
Moody's -certificate in Business Credit
10-2024
Executive Certificate of Proficiency in Insurance
04-2024
Risk & Relationship Management by Tom Lawton
06-2023
Relationship Manager-Sme-corporate Branch
Equity Bank Kenya Limited
01.2019 - 01.2026
Assistant Relationship Manager-Credit
Equity Bank Kenya Limited
05.2013 - 12.2018
Credit Administrator-Variuos Branches
Equity Bank Kenya Limited
01.2010 - 04.2013
Credit Officer Consumer Lending
Equity Bank Kenya Limited
04.2007 - 12.2009
Accountant's Assistant
Petgra Consultants Limited
02.2005 - 03.2007
Accounts Receivable Assistant
General Motors East Africa Limited
07.2004 - 02.2005
Bachelor of Arts - Economics And Sociology
University Of Nairobi
04.2001 -
Bachelor of Arts - Economics And Sociology
University Of Nairobi
04.2001 -