Jacenta Munguti
Nairobi
Summary
Insightful Business Development Manager. Having 10+ years experience in Finance, Credit Management in Banking, Business operation and management and interaction with customers in the private sector. Works seamlessly across all levels—vertically/horizontally—with internal stakeholders and business partners. Professional strengths: Business growth, Exceptional customer service, Credit analysis, Financial Statement analysis and Loan structuring. Creativity: acquired by considering things from a fresh perspective & different angles and implementation. Communication: astute communicator who collaborates with management in business growth, financial service transactions, credit and cash-flow analyses, and corporate loan procedures.
Overview
16
16
years of professional experience
Work History
Business Development Manager
01.2022
- Developing a growth strategies for the business focusing on financial gain and customer satisfaction
- Conducting Market research to identify new products, new markets and customer needs
- Product creation and marketing
- Arranging business meetings with prospective clients and suppliers
- Promoting the company’s products addressing or predicting clients’ objectives
- Keeping records of sales, revenue, invoices, expenses
- Managing of operating systems in sales, invoices, and expenses
- Building relationships with new and existing customers
- Developing entry level staff into valuable salespeople.
Credit Analyst-Business Banking
Standard Chartered Bank
01.2016 - 01.2022
- Analyzes customer financial condition for SMEs and authorize customer credit lines, minimize bad debt risk, maximize accounts receivable collections, provide customer service, reconcile customer statements, participate in process improvement projects, and support other management directives as prescribed
- Key contributions: Managing the credit risk associated with the portfolio and ensuring high quality of the portfolio
- Facilitating revenue growth in the portfolio by working in tandem with the relationship manager on the specific portfolios
- Selected achievement : Drove delinquency levels below 1% by switching to real-time paperless data and spearheading recurring payment drive in 2018.
Assistant Credit Manager – Credit Initiation , Personal Banking
Standard Chartered Bank
01.2012 - 01.2016
- Evaluated credit risk to establish new accounts and maintain existing credit limits, ensured retail credit policies and standards are complied with and performed appraisal and approval of retail loan applications
- Ensured all aspect of retail credit risk compliance is consistent with bank policy
- Supporting the business and the sales force in credit reviews and risk evaluation of retail customers
- Reviewed new companies introduced into the bank through retail customers, monitored and reported the number of applications done daily by the team.
Officer Collections and Recoveries, Personal Banking
Standard Chartered Bank
01.2007 - 01.2012
- Examined, evaluated, and analyzed paying habits of clients who are delinquent in payments and was involved in the day collection of mass unsecured accounts
- Ensured strict compliance with Retail Banking Global Credit Policies and Collection Standards
- Selected achievements: Supported collections department to achieve 2.5% delinquency for the bank, being the lowest rate in the banking industry as at 2012
- Identified fraudulent loan facilities from specific companies and gave recommendation for physical call back to be done for any customer who applies for a loan facility with Standard Chartered Bank.
Credit Administration Officer, Business Banking
Standard Chartered Bank
01.2006 - 01.2007
- Selected Achievements: Disbursed Loan Facilities for the Uganda, Zambia, Tanzania and Botswana supported by Kenya
- Created of monthly loan arrears report, loan security report for Uganda, Zambia, Tanzania and Botswana
- Managed documentation system for disbursed loan facilities
- Disbursed loan facilities after approval from main office countries.
Education
Master’s in Business Administration in Finance and Project Management -
Africa Nazarene University
01.2015
Bachelor of Commerce in Banking and Finance -
Africa Nazarene University
01.2006
Skills
- Business development
- Finance
- Credit solutions
- Customer service
- Portfolio management
- People Management
- Communication
- Creativity
Professional Certification and Trainings
- Moody’s Business Banking Credit Skills Assessment Course (CSAC) Certified, 2018-07-01
- Personal Financial Training, 2024-05-01
- Centonomy Entrepreneur, 2024-05-01
Hobbies and Interests
- Reading Self Development Books
- Bicycle riding
- Discovering new cooking recipies
References
References available upon request.
Timeline
Business Development Manager
01.2022
Credit Analyst-Business Banking
Standard Chartered Bank
01.2016 - 01.2022
Assistant Credit Manager – Credit Initiation , Personal Banking
Standard Chartered Bank
01.2012 - 01.2016
Officer Collections and Recoveries, Personal Banking
Standard Chartered Bank
01.2007 - 01.2012
Credit Administration Officer, Business Banking
Standard Chartered Bank
01.2006 - 01.2007
Master’s in Business Administration in Finance and Project Management -
Africa Nazarene University
Bachelor of Commerce in Banking and Finance -
Africa Nazarene University
Similar Profiles
Maria UrsMaria Urs
Career Break for Child Care at NACareer Break for Child Care at NA
Anna KrutekAnna Krutek
Dolce Violin Ensemble at NADolce Violin Ensemble at NA
Megan SaucedoMegan Saucedo
Planned Career Break at NAPlanned Career Break at NA