JOHN KISIKA WAFULA
BANKING
Nairobi,30
Summary
Results-driven banking professional with proven ability to drive financial solutions and foster business growth. Adept at delivering exceptional client service, identifying opportunities, and providing strategic financial guidance. Strong focus on team collaboration and adaptability to meet evolving needs. Equipped with comprehensive knowledge of lending, credit analysis, and risk management. Recognized for excellent problem-solving skills and commitment to achieving impactful results.
Overview
8
8
years of professional experience
3
3
Languages
Work History
Business Banker- Micro Enterprises
Cooperative Bank of Kenya Ltd
Nairobi, Nairobi Province
03.2022 - Current
- Managing, retention & growth of Existing relationships
- Source for new clients to the bank within the segment
- Product uptake/penetration within segment
- Growth in balance sheet - assets, liabilities & contingent liabilities Channels utilization
- Value chain management for the business enterprise to support all related businesses
- Cross Selling of bank products and services
- Effectively perform Account Relationship Management tasks to ensure the customer relations are maintained well to reduce complaints and also retain existing customers by management of customer expectations
- Develop strategies for maintaining and further penetrating existing client base and execute the strategy through calls, visits, needs assessment, customer qualification and follow-up meetings to maintain, enhance and expand customer relationships
- Be the principal contact point for the new and assigned portfolio of Business Banking relationships and prospective customers to all other CBA units as customer needs by responding promptly to customer issues, questions and concerns
- Adherence to the customer management policy for this customer segment
- Consistency in adherence to and application of established policies, processes, and tools to achieve optimal efficiency, compliance and cost containment
- Minimization of exposures to and impact of risks associated with client portfolio in line with Bank credit policies, CBK regulatory requirements, and KYC and AML policies
- Make financing proposals through the appropriate credit approval process by structuring proposals, analyzing financial statements, negotiating terms and conditions for facilities and managing administrative tasks including credit analysis and processing
- Be on top notch management of PAR to check on cases of 1+ to 89 PDP in liaison with the collection team for collection and cure solutions
- Work in co-operation with Credit Administration to identify and monitor problem loans & possible delinquent facilities for further action
- Proactively pursue and engage doubtful customers so that all avenues are explored before marking the loan as poor performing or bad & doubtful
- To avoid a possible queue time breach, by pro-actively join the SSA or SDO line to serve customers as appropriate and as guided by the Branch Manager or the Service Manager
- Managed a diverse portfolio of clients, ensuring their financial needs were met and exceeded.
- Conducted comprehensive financial analyses to identify opportunities for business expansion and risk mitigation.
- Maintained comprehensive knowledge of banking products and services, ensuring accurate and informed recommendations for clients.
- Facilitated communication between clients and bank personnel, resolving issues quickly while maintaining client trust.
- Negotiated favorable loan terms on behalf of clients, contributing to increased client satisfaction rates.
- Proactively identified potential risks within client portfolios, implementing strategic measures to minimize losses.
- Coordinated with various departments to ensure seamless delivery of banking services across all channels.
- Assisted in planning portfolio growth through development of business plans in alignment with departmental budget and consistent with overall objectives.
- Provided expert guidance on business financing options, helping clients secure necessary capital for growth.
- Delivered exceptional customer service by responding promptly to inquiries and providing accurate information about products and services offered by the bank.
- Reviewed deposit profitability analysis and outlined strategies to bring unprofitable accounts back to productive status.
- Monitored industry trends to stay informed on market changes and provide up-to-date advice for clients'' financial decisions.
- Led training sessions for junior bankers, fostering a culture of continuous learning and professional development.
- Enhanced customer retention through building strong relationships and addressing concerns promptly.
- Developed customized lending solutions to meet the unique needs of small businesses and entrepreneurs.
- Implemented innovative sales techniques that resulted in an increase in new business acquisition rates.
- Maximized revenue generation through careful assessment of loan applications and diligent follow-up on delinquent accounts.
- Collaborated with cross-functional teams to develop new business strategies, increasing overall growth.
- Increased client satisfaction by providing tailored financial solutions and personalized banking services.
- Maintained up-to-date knowledge of competitors' products.
- Met with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.
- Fostered a positive work environment by actively participating in team meetings and sharing ideas for process improvements.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
- Networked to identify potential new clients and expand geographic territories.
Sales Executive
Cooperative Bank of Kenya Ltd
BUNGOMA, Bungoma District
01.2019 - 03.2022
- Prospect and market bank products to prospective clients mainly personal loans, accounts and credit card
- Carry out market research and provide customer feedback to our head office team for development of new products and enhancement of existing ones to suit the various market segments
- Deliver world class customer service by ensuring quality service delivery for customers within the banks service level agreements
- Constantly review pipeline details and support regional team leaders to ensure timely closure of sales
- Ensure a focused efficient and effective customer service framework which will increase the flow of business from existing customers and generate business from new customers
- Ensure end to end back office support through organized and efficient documentation of records and files
- Ensure exhaustive and quality appraisal and analysis of all clients applying for loans and other bank products
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Boosted sales revenue by cultivating strong client relationships and implementing effective sales strategies.
- Delivered exceptional customer service, resulting in a high percentage of repeat business and client referrals.
- Demonstrated expert product knowledge during client interactions, addressing questions/concerns confidently and offering solutions tailored specifically for them.
- Analyzed sales data regularly to monitor progress towards goals and make necessary adjustments to strategy as needed.
- Researched sales opportunities and possible leads to exceed sales goals and increase profits.
- Developed key partnerships, resulting in increased lead generation and cross-selling opportunities.
- Streamlined sales process to improve efficiency, reduce cycle time, and close deals faster.
- Negotiated contract terms with clients, securing favorable conditions for both parties while maximizing profitability.
- Participated in industry trade shows to represent company and generate valuable leads for future business growth.
- Implemented CRM system for better customer tracking, leading to improved follow-up processes and higher conversion rates.
- Expanded market share with strategic territory planning and targeted prospecting.
- Expanded company's reach by establishing partnerships with key industry players.
Attachee
Nzoia Sugar Company Ltd
BUNGOMA, KENYA
05.2017 - 07.2017
- Carrying out administrative duties such as record keeping, data entry and coordination of various sections
- Carrying out of agronomical practices such as laboratory tests and cane analysis
- Farm management practices through record keeping of individual fields
- Preparation of statistical reports for management
- Conducting of market survey
- Participation in customer relations and communication
- Participation in agroforestry activities in the organization
- Preparation of salaries, wages and general payroll management
- Internal budget preparation
- Cost ascertainment of imported products for factory and general store
- Proven ability to learn quickly and adapt to new situations.
- Passionate about learning and committed to continual improvement.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Paid attention to detail while completing assignments.
Education
Bachelors of Science Degree - Agricultural Economics
University of Eldoret
ELDORET 01.2013 - 2017.01
ICDL computer training -
Data To Information College
ELDORET 05.2013 - 2013.08
K.C.S.E. -
St. Mary's Boys High School Kibabii
BUNGOMA 01.2009 - 2012.01
K.C.P.E -
St. Erastus Preparatory School
BUNGOMA 01.2003 - 2008.01
Skills
Business development
Risk assessment
Account management
Client acquisition
Risk management
Financial analysis
Relationship building
Business growth
Customer needs assessment
Adaptability and flexibility
Product knowledge
Decision-making
Sales strategy
Problem-solving abilities
Customer service
Computer skills
Teamwork and collaboration
Credit assessment
Commercial lending
Portfolio management
Cross-selling products
Loan structuring
- Report writing
- Communication skills
- Interpersonal skills
- Presentation skills
- Analytical skills
- Leadership & marketing skills
Knowledge And Experience
- Performance management
- Product development
- Effective Sales Management
- Relationship Management
- Cross selling skills
- Debt Collection
Personal Information
- ID Number: 31456933
- Date of Birth: 07/06/94
- Gender: Male
- Marital Status: Engaged
Timeline
Business Banker- Micro Enterprises
Cooperative Bank of Kenya Ltd
03.2022 - Current
Sales Executive
Cooperative Bank of Kenya Ltd
01.2019 - 03.2022
Attachee
Nzoia Sugar Company Ltd
05.2017 - 07.2017
ICDL computer training -
Data To Information College
05.2013 - 2013.08
Bachelors of Science Degree - Agricultural Economics
University of Eldoret
01.2013 - 2017.01
K.C.S.E. -
St. Mary's Boys High School Kibabii
01.2009 - 2012.01
K.C.P.E -
St. Erastus Preparatory School
01.2003 - 2008.01
Similar Profiles
LYNDA MUTUALYNDA MUTUA
Casual Bank Clerk at Cooperative bank of KenyaCasual Bank Clerk at Cooperative bank of Kenya
IDA NYAMBEDHAIDA NYAMBEDHA
Relationship Manager Corporate Remedial at Cooperative Bank of KenyaRelationship Manager Corporate Remedial at Cooperative Bank of Kenya
AMOS MUTHURIAMOS MUTHURI
Customer Service Officer at Cooperative Bank of KenyaCustomer Service Officer at Cooperative Bank of Kenya