James Maina Kamau
Nairobi
Summary
I am an experienced all-rounder banker with a track record of supporting, inspiring and delivering outstanding business performance. A skillful analyst and peak performer with experience in working with teams to deliver impressive results above set targets. Analytical and insightful Credit Analyst known for high productivity and efficient task completion. Possess specialized skills in financial analysis, risk assessment, and regulatory compliance. Skilled at leveraging critical thinking, problem-solving, and communication to navigate complex credit environments and make informed decisions. Excel in teamwork and adaptability, ensuring seamless collaboration with colleagues to achieve optimal outcomes.
Overview
6
6
years of professional experience
Work History
Credit Analyst
DIB Bank Kenya Ltd
Upper hill
08.2021 - Current
- Appraisal analysis of credit proposals originating from business segments; retail banking, business banking and commercial banking (Corporate customers), and give justifiable feedback to the approving matrix ensuring all are within the stipulated SLAs
- Regularly carry out customer visits to understand the nature of business and mitigate key risks associated with credit lending
- Appraise all staff loan facility applications and give justifiable feedback to the approving matrix ensuring all are within the laid SLAs
- Timely preparations of all management and board credit monthly and quarterly reports for presentation by the Head of Credit
- Identify and implement action plans and regularly track and review performance to ensure the achievement of the set targets cascaded down by the Head of Credit and business growth objectives
- Regularly monitor the product portfolio of each line of products and control the cost and profitability of the bank by recommending restructures when they fall due
Customer Service
Absa Bank Kenya PLC
Upper hill
10.2018 - 07.2021
- Responsible for opening of accounts, transferring and closing accounts
- Responsible for ordering cheque books and issuing to customers
- Marketing team member for the bank's new products
- Responsible for customers queries and complains
- Responsible for deceased customer's cases
- Responsible for conducting marketing research
- Responsible for opening of accounts
- Responsible for marketing banks new products
- Responsible for ordering of ATM cards and issuing to customers
- Responsible for ordering of simple banking for customers
- Responsible for ensuring account opening KYC procedures are compliant
- Responsible for ensuring all sales targets set are achieved
- Responsible for conducting sales promotions campaigns
- Responsible for promoting corporate Bank's image with the general public
- Maintain high levels of customer service of all front office functions such as Cash Management, Remittances, drafts, Account opening/ inquiry & maintenance, sales and after sales by efficiently abiding to the process and by reducing customer waiting time and service time
- Promote high level of customer service culture among the branch staffs for potential acquisitions
- Ensure all services provided by the section are within the Bank's SLA
- Ensure nil error rate within the section and promote right first-time accuracy
- Attend all audit requirements and strive to have a null /low risk audit rating and ensure that all the customer service operations are in accordance to the established Bank's policies, operating manuals, service quality standards and code of conduct for smooth workflow, high service quality, and low level of operational risk and report any deviation to the management
- Monitor continuously customer complaints and mystery shopping results and recommend necessary measures and initiatives to improve the score and to ensure high customer satisfaction
- To ensure a high level of safety & security measures are in place as well as to maintain a proper communication with the police department whenever it is required
- To implement any bank projects (Service Quality Programs, Process changes, sales… etc.) and support the launch of new products and services as per the consumer banking business plan
- Follow up on various cases with all the concerned stakeholders such as customers, internal Bank's departments in order to ensure 100% closing mandates
- Implement the Bank's business development strategy at back-office customer service operations level including growth in customer base with concurrent growth in branch liabilities and assets
- Formulate and implement branch business plans, forecasts and budgets and ensure their control and periodic reviews
- Support marketing initiatives and monitor and provide regular feedback on products performance
- Ensure customer service delivery, maintenance and improvement of service standards in order to ensure customer satisfaction and retention
- Implement and monitor the operational risk management guidelines for the bank operations
- Mitigate operational and business risks and costs to maximize profitability
- Maintain the look, feel and physical security of the bank premises, staff and customers
- Identify training gaps and recommend on required training interventions
- Ensure compliance with both internal and external regulatory requirements
- Work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks
- Ensure implementation and compliance with operational policies and procedures
- Ensure timely dispatch of periodic statements
- Ensure all accounts opened are KYC compliant
- Ensure process of new accounts/amendments timely and accurately
- Ensure data clean up on all customers account on a regular basis
- Design and implement an archival and retrieval services in the Bank
- Design and implement centralized tick back of daily bank postings
- Carry out monthly self-assessments
- Ensure all processes are documented
- Report immediately risk events using the template
- Score A rating in the internal Audit periodical reports
Education
Advanced Certificate - finance & Accounting
European Institute of Leadership & Management
Dublin, Ireland01.2024
Advanced Certificate - financial Modelling & Valuation analyst
Corporate finance Institute
01.2022
Bachelor of Arts - Economics & Business administration
University of Nairobi
01.2018
K.C.S.E - Mean Grade B (Plain)
Dandora High School
01.2012
Proficiency - technological tools: MS Window 98 & 2000, MS Excel, MS Word, MS PowerPoint, Visual Proficiency in MS Office
Unity College of professional studies
Skills
- Conventional banking operations
- Islamic banking operations
- Marketing strategy formulation
- Operating frameworks
- Process flows
- Business development strategy implementation
- Customer base growth
- Bank liabilities management
- Bank assets management
- Operational rigor
- Risk management
- Compliance
- People development
- Budget management
- Customer service delivery
- Service standards maintenance
- Customer satisfaction
- Physical security management
- Cross-functional collaboration
- Business performance improvement
- Credit decision making
- Relationship Management
- Underwriting
- Data Analysis
- Risk Assessment
- Microsoft Excel proficiency
- Loan documentation and policies
- Banking operations
- Loan Documentation
- Credit analysis
- Credit Risk Assessment
Hobbies and Interests
- Fire marshal and first Aid representative for DIB Bank
- Participating in Community social responsibilities activities
- Traveling, visiting new places, socializing and experiencing new cultures and societies.
References
- Anita Otete, Head of Customer Service, Absa Bank Kenya Plc, P.O. Box 30120-00100, Nairobi, Nairobi, 00100
- Paul Kitur, Senior Credit Analyst, Dubai Islamic Bank Kenya Ltd, P.O. Box 6450-00200, Nairobi, Nairobi, 00200
- Caroline Gichunge, Senior Human Resources Manager, Dubai Islamic Bank Kenya, P.O. Box 6450-00200, Nairobi, Nairobi, 00200
References
References available upon request.
Timeline
Credit Analyst
DIB Bank Kenya Ltd
08.2021 - Current
Customer Service
Absa Bank Kenya PLC
10.2018 - 07.2021
Advanced Certificate - finance & Accounting
European Institute of Leadership & Management
Advanced Certificate - financial Modelling & Valuation analyst
Corporate finance Institute
Bachelor of Arts - Economics & Business administration
University of Nairobi
K.C.S.E - Mean Grade B (Plain)
Dandora High School
Proficiency - technological tools: MS Window 98 & 2000, MS Excel, MS Word, MS PowerPoint, Visual Proficiency in MS Office
Unity College of professional studies
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