Edward Odiwuor Odek
Mortgage Investment Banker
Summary
Experienced professional with a strong background in relationship management and client engagement. Proven ability to drive growth and build lasting partnerships through effective communication and strategic planning. Skilled in team collaboration, problem-solving, and adapting to changing priorities. Recognized for delivering consistent results and promoting a positive work environment.
Overview
20
20
years of professional experience
2020
2020
years of post-secondary education
1
1
Certification
2
2
Languages
Work History
Senior Relationship Manager, Corporate Mortgage Schemes
KCB Bank Group
08.2024 - Current
- Grow and sustain quality Retail and Mortgage scheme loan book- Managing a portfolio of Kshs 64 Billion.
- Assessing the market, current trends in the market, finding competitors, also giving suggestions for product improvement. Mortgage product development and mortgage credit underwriting reviews.
- Negotiating mutually profitable business plans with clients and various stakeholders.
- Planning, Designing and implementation of Construction projects and activities systematically in line with business priorities.
- Collaborated with internal teams to deliver comprehensive wealth management services, maximizing client satisfaction and loyalty.
- Managed a diverse portfolio of high-net-worth clients, ensuring satisfaction and retention through personalized attention and strategic planning.
- Streamlined processes for increased efficiency within the team, resulting in improved response times to client inquiries and requests.
- Maintained up-to-date knowledge of industry trends, regulatory changes, and competitor offerings to provide informed advice to clients.
Branch Manager, Large Branch Segmentation- Garden Plaza Mortgage Centre and Ukunda
KCB Bank Group
01.2021 - 08.2024
- Company Overview: Retail Division
- Responsible for overall leadership of the branch and regional business to achieve growth, profitability and customer service excellence whilst ensuring implementation of an effective risk management framework through efficient utilization of resources.
- Align the branch and regional team to rally behind the bank's strategic initiatives and achieve profitability through revenue maximization, efficient utilization of resources, prudent cost management & identification of new business opportunities.
- Grow and monitor regional cluster liability and asset portfolios to achieve business targets.
- Grow customer base & ensure retention of existing customers through high level customer service & cross selling.
- Ensure compliance to Enterprise-Wide Risk Management Framework by working towards achievement of outstanding branch audit, nil frauds and operational losses and regional PAR of below 5%.
- Motivate, coach, and develop a high performing team by recognizing and celebrating success among team and mentees across the bank.
- Enterprise-wide Risk Management; -Adherence to Standard Operating Procedures (SOPS), Anti-Money Laundering (AML), Credit policy prudential guidelines, combating the Financing of Terrorism (CFT) and Know Your Customer (KYC) procedures to mitigate against losses, frauds, forgeries, and regulatory penalties.
- Asset book growth to the current portfolio of Kshs 11.7 billion with overall balance sheet base of Kshs 10.9 billion as of 31st October 2023. Rated Top Branch in 2021(KCB Bank Kenya) and Gold Award (Overall Group Award) - 2022. Lowest Customer Effort Score (CES) of 8% in the region.
- Retail Division
Senior Corporate Relationship Manager, Partnerships and Mortgage Schemes
KCB Bank Group
03.2020 - 12.2020
- Grow and sustain quality Retail and Mortgage scheme loan book- Managing a portfolio of Kshs 18 billion.
- Finding various new businesses opening & arranging promotional programs to get commercial business and attain set goals.
- Assessing the market, current trends in the market, finding competitors, also giving suggestions for product improvement. Mortgage product development and mortgage credit underwriting reviews.
- Negotiating mutually profitable business plans with clients and various stakeholders.
- Planning, Designing and implementation of Construction projects and activities systematically in line with business priorities.
- Lead Analyst KCB - KMRC/GOK State Department of Housing Funding Project for set and current active stakeholder. Fund raising for the KMRC Mortgage-Backed Securities Limit - Kshs 15.8B.
- Optimized business strategies by analyzing portfolio data trends regularly-identifying areas requiring improvement or attention proactively.
Western Region Mortgage Business Manager
KCB Bank Group
08.2014 - 02.2020
- Company Overview: Kisumu Mortgage Centre
- Grow and sustain quality Mortgage loan book-Managing a portfolio of Kshs 3.6 billion by 2020 from Kshs 535 million in 2014.
- Responsible for activities regarding sales, marketing, customer acquisition, customer relation management, & maximizing revenues.
- Finding various new businesses opening & arranging promotional programs to get commercial business and attain set goals.
- Assessing the market, current trends in the market, finding competitors, also giving suggestions for product improvement.
- Negotiating mutually profitable business plans with clients and various stakeholders.
- Planning, Designing and implementation of Construction projects and activities systematically in line with business priorities.
- Kisumu Mortgage Centre
Head of Mortgage Business
KCB Bank Group
12.2012 - 07.2014
- Company Overview: South Sudan Subsidiary-Head Office
- Grow the mortgage book through retail, corporate, schemes, and direct sales.
- Enter key partnerships with key stakeholders in the real estate sector and ensure participation in real estate forums.
- Manage the mortgage book like Follow up to ensure branches follow the bank's policy, Bank of South Sudan prudential guidelines and best practice in appraisal, approval and conduct of facilities.
- Develop and launch new mortgage products in line with customer requirements and liaise with branches through visits, correspondence, telephone, etc. to ensure that the quality of applications is within the expected standards.
- Ensure timeliness in decision making on applications and other Correspondence addressed to the Unit as per SLA.
- Preparation of all subsidiary and Group relevant executive Board Papers.
- South Sudan Subsidiary-Head Office
Corporate & SME Credit Analyst/Administrator
KCB Bank Group
06.2009 - 12.2012
- Company Overview: South Sudan Subsidiary-Head Office
- Managing credit risk in the mortgage portfolio within set parameters through quality and timely credit appraisals.
- Attend to security documentation in consultation with legal department in accordance with approval terms and lending policy.
- Preparing consolidated monthly / quarterly reports for the KCB South Sudan Board and Group.
- Monitor performance of service providers (advocates) on the banks panel.
- Co-ordinate branch network's credit training.
- Ensure brand quality by actively participating in periodic policy reviews to maintain a competitive edge.
- Preparation of all high-level management and Board reporting.
- South Sudan Subsidiary-Head Office
Credit Officer - Retail Book
KCB Bank Group
07.2006 - 06.2009
- Appraising prospective customers on their credit worthiness and ability to service a loan.
- Processing of loan applications and submission for approval.
- Instructing advocates and liaising with advocates on perfection of security documents.
- Receiving and confirming of security documents.
- Advising borrowers and forwarding files for insurance declaration.
- Working with all Branches on mortgage related issues.
Clearing Officer
K-Rep Bank
Nairobi
12.2005 - 06.2006
- Company Overview: Head Office, Nairobi
- Timely preparation of Interbank clearing for inward and outward instruments including reconciliation of all related accounts.
- Head Office, Nairobi
Marathon Database Officer- Special Projects
Standard Chartered Bank (Kenya)
Nairobi
09.2005 - 12.2005
- Company Overview: Head Office, Nairobi
- Data entry of the Marathon Special Projects and project management.
- Analysis of the emerging patterns and data discrepancies for the project data mats and frames.
- Head Office, Nairobi
Education
Master of Arts - Project Planning and Management-Project Finance
University of Nairobi
Post Graduate Diploma - Project Management
The Kenya Institute of Management
Bachelor of Education - Science- Double Mathematics, Applied Statistics Bias
Egerton University
Kenya Certificate of Secondary School - undefined
Kanga High School
Skills
Sales management
Public speaking
Business development
Customer engagement
Strategic planning
Portfolio management
Client relationship management
Professional risk manager (PRM)
Process structuring
Strategic communication management professional
Team building leadership
Accomplishments
- Setting up the Credit Unit in South Sudan through capacity building and resource allocation.
- Creating sustainable systems and tools of operation for all reporting to the KCB South Sudan, KCB Group Boards.
- Establishing and setting SME and Mortgage Division in South Sudan Market.
- Appointed Brand ambassador and facilitator for the current employer.
- Training various teams in business models in various countries.
- Building network of developers within the Western region to drive the housing infrastructure.
- Kenya Mortgage Refinance Company - KCB Representative for Data Modelling.
Personal Information
- Date of Birth: 12/26/79
- Marital Status: Married
Training
- IFC MSME women Proposition Lending, 02/01/20
- Monitoring and Evaluation Certification Course, Kenya Institute of Management, 2015
- MSME and Sustainable Agribusiness Development Programme, IFC (World Bank), 2013
- KCB Credit Risk Management System, Subsidiary Support Administrator, Harland Financial Services, 2009 - 2012
- Professional Risk Manager's Association Modules, 2009-2014
- Brand ambassador, KCB Bank Group
- Advanced Credit Risk management modules, Kenya
Membership And Leadership Roles
- GARP- Global Association Risk Professional, www.garp.org
- Project Management Institute (PMI), Kenya Chapter Member
- World Association of Public Private Partnership (WAPPP), Member
- Kenya Institute of Management (KIM), Full Member and Branch Committee Member, MKIM-45385
- YMCA, Life Member No.1078 and National Executive Council Member
- Orire Primary School, Rachuonyo North- Homa Bay, Board Member Chairperson
Certification
CPM - Chartered Portfolio Manager
Timeline
Senior Relationship Manager, Corporate Mortgage Schemes
KCB Bank Group
08.2024 - Current
Branch Manager, Large Branch Segmentation- Garden Plaza Mortgage Centre and Ukunda
KCB Bank Group
01.2021 - 08.2024
Senior Corporate Relationship Manager, Partnerships and Mortgage Schemes
KCB Bank Group
03.2020 - 12.2020
Western Region Mortgage Business Manager
KCB Bank Group
08.2014 - 02.2020
Head of Mortgage Business
KCB Bank Group
12.2012 - 07.2014
Corporate & SME Credit Analyst/Administrator
KCB Bank Group
06.2009 - 12.2012
Credit Officer - Retail Book
KCB Bank Group
07.2006 - 06.2009
Clearing Officer
K-Rep Bank
12.2005 - 06.2006
Marathon Database Officer- Special Projects
Standard Chartered Bank (Kenya)
09.2005 - 12.2005
Post Graduate Diploma - Project Management
The Kenya Institute of Management
Bachelor of Education - Science- Double Mathematics, Applied Statistics Bias
Egerton University
Kenya Certificate of Secondary School - undefined
Kanga High School
Master of Arts - Project Planning and Management-Project Finance
University of Nairobi