Esther Wairimu Mwangi
Relationship Manager
Nyahururu
Summary
Dedicated and experienced banking professional with over 10 years of progressive experience in credit analysis, relationship management, and business development within Kenya’s financial services sector. Skilled in managing high-value client portfolios, conducting credit assessments, and providing tailored financial solutions. Currently serving as a Credit Analyst at African Banking Corporation Bank, where I have successfully facilitated recoveries exceeding KES 7 million in 2025. Strong track record in building client trust, portfolio growth, and cross-functional teamwork.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work History
Credit Analyst
African Banking Corporation Bank
01.2025 - Current
- Conduct comprehensive credit reviews and client assessments for both new and existing accounts.
- Recovered over KES 7 million in non-performing loans between January and May 2025.
- Liaise with Relationship Managers to structure sustainable repayment plans for clients.
- Receive monthly incentives in recognition of credit recovery performance and client turnaround.
- Prepare credit memos and monitoring reports submitted to the risk and credit committees.
Business Development Manager
BasiGo Limited
05.2023 - 08.2024
- Developed market entry strategies to support electric bus adoption in Kenya.
- Secured key partnerships with local transport operators and financial institutions.
- Contributed to a 40% increase in client bookings for electric buses.
- Collaborated with marketing and technical teams to align product offerings with market needs.
Relationship Manager
African Banking Corporation Bank
08.2018 - 04.2023
- Managed a portfolio of retail and SME clients, ensuring quality customer service and client retention.
- Provided financial advisory on lending, deposits, and bancassurance solutions.
- Acquired 50+ new clients through referrals and field engagement.
- Achieved 30% year-on-year growth in managed portfolio value.
- Monitored credit performance of client accounts to ensure compliance and minimize risk exposure.
Credit Analyst
Kingdom Bank
07.2014 - 07.2018
- Evaluated loan applications and conducted financial statement analysis for SME and retail clients.
- Recommended credit decisions based on risk profiles, supported by data-driven analysis.
- Contributed to a significant reduction in portfolio delinquency through continuous monitoring and client engagement.
- Maintained credit files in line with internal policy and CBK guidelines.
Education
Bachelor of Commerce - Finance and Banking Option
Laikipia University College
01.2010 - 01.2012
Kenya Certificate of Secondary Education - undefined
Njonjo Girls’ High School
01.2006 - 01.2009
Skills
- Relationship Management (HNW & Retail Clients)
- Credit Analysis & Risk Management
- Loan Recovery and Portfolio Monitoring
- Financial Needs Assessment & Advisory
- Product Cross-Selling (Loans, Bancassurance, Investments)
- Client Retention & Customer Experience
- Regulatory Compliance and Documentation
- Report Preparation and Presentation
Certification
Chartered Credit Analyst, Global Academy of Financial Management, 2016
Accomplishments
- Over KES 7M in recoveries achieved in 5 months (2025) at ABC Bank.
- 95% client retention rate and 30% growth in portfolio value as Relationship Manager.
- Successfully secured strategic transport sector partnerships at BasiGo.
- Proven ability to align client needs with suitable financial products, enhancing satisfaction and profitability.
REFERENCES
Available upon request.
Timeline
Credit Analyst
African Banking Corporation Bank
01.2025 - Current
Business Development Manager
BasiGo Limited
05.2023 - 08.2024
Relationship Manager
African Banking Corporation Bank
08.2018 - 04.2023
Credit Analyst
Kingdom Bank
07.2014 - 07.2018
Bachelor of Commerce - Finance and Banking Option
Laikipia University College
01.2010 - 01.2012
Kenya Certificate of Secondary Education - undefined
Njonjo Girls’ High School
01.2006 - 01.2009
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