Jonathan Apwoka
Banker
Nairobi
Summary
Results-driven finance professional with close to four years of experience in banking operations, customer relationship management and portfolio development. Proven ability to drive business growth through effective cross-selling, client advisory and strategic financial solutions. Adept at managing high-value client portfolios, enhancing deposit mobilization and implementing investment strategies. Possesses strong analytical, communication and time management skills, with in-depth knowledge of industry regulations and investment markets. Committed to leveraging finance expertise to deliver tailored solutions that meet both client and organizational needs.
Overview
8
8
years of professional experience
Work History
Supreme Banking Relationship Officer
Equity Bank Lavington Supreme
07.2022 - 07.2024
- Managed daily banking operations by processing over 200 customer transactions, including deposits, withdrawals, wire transfers (RTGS, SWIFT, EFT), achieving 100% compliance and zero transaction discrepancies over 2 years.
- Enhanced deposit mobilization by providing tailored financial advice to high-value clients, contributing to a 15% growth in branch deposits, which totaled KES 16 billion.
- Increased branch loan book by 10% through high-value client referrals to the credit department, driving growth in a KES 4.5 billion portfolio.
- Promoted digital banking channels, achieving a 30% uptake in digital services such as EazzyBiz and EazzyFX through client training, increasing transaction convenience.
- Improved customer satisfaction by maintaining a high Turnaround Time (TAT) on client queries, leading to a 20% improvement in client retention rates.
- Supported business development initiatives by advising the branch’s corporate clients, contributing to a 10% increase in new accounts and revenue growth through funded and non-funded income streams.
- Led compliance efforts for international money transfers (Western Union, MoneyGram, Ria, etc.), resulting in a 100% audit pass rate for two consecutive years.
Operations Officer
Equity Bank Ke LTD - Tearoom Branch
04.2019 - 06.2019
- Processed high-value cash transactions for over 150 clients daily, including large deposits and withdrawals, ensuring 100% accuracy and adherence to banking regulations.
- Contributed to branch profitability by cross-selling banking products and services, resulting in a 10% increase in new account openings and product utilization.
- Strengthened customer relationships by resolving client complaints and issues within 24 hours, improving overall customer satisfaction scores by 15%.
Operations Officer
Equity Bank Ke LTD - Busia Branch
07.2018 - 10.2018
- Managed teller drawers with zero discrepancies, ensuring compliance with bank regulations.
- Collaborated with corporate and retail customers to provide tailored financial advice, maintaining high customer satisfaction levels.
- Engaged in problem-solving activities and generated suggestions for continuous work improvements, enhancing operational efficiency and team collaboration.
Operations Officer
Equity Bank Ke LTD - Luanda Branch
01.2017 - 12.2017
- Drove a 25% increase in new product uptake by executing sales strategies tailored to customer needs.
- Provided market feedback to the Business Development Team, facilitating effective strategies for business growth.
- Boosted digital service adoption by 14% through customer education on internet banking platforms, enhancing client engagement.
- Balanced teller drawers, consistently achieved a 100% audit pass rate by adhering to strict banking policies and compliance standards.
- Accurately managed and balanced teller drawers with zero discrepancies, ensuring compliance with bank regulations and safety standards
Education
Master of Science - MSc Global Banking And Finance
United States International University-Africa
Nairobi, Kenya2026
Bachelor of Science - BSc Economics And Statistics
University of Nairobi
Nairobi, Kenya12.2022
High School Diploma -
Nyangori Boys High School
Vihiga, County12.2016
Skills
Core Skills: Technical Skills: Interpersonal & Soft Skills:
- Analytical Skills: Strong proficiency in analyzing banking operations, financial data, and market trends to drive informed decision-making
- Investment Knowledge: In-depth understanding of various investment classes, financial markets, and strategies to optimize client portfolios
- Regulatory Knowledge: Well-versed in banking regulations, compliance, and reporting requirements, ensuring operational and financial integrity
- Risk Management: Skilled in identifying, mitigating, and managing financial and operational risks to safeguard assets and ensure business continuity
- Customer Relationship Management: Proven ability to build and maintain long-term relationships with high-value clients, enhancing customer satisfaction and retention
- Banking Processes: Proficient in managing cash transactions, deposit mobilization, and implementing cross-selling strategies for banking products and services
- Cash Management & Transaction Processing: Expertise in cash handling, balancing, and processing transactions with zero discrepancies
- Digital Banking Solutions: Experienced in promoting and onboarding clients onto digital platforms such as EazzyBiz and EazzyFX, increasing digital adoption
- Sales & Cross-Selling: Ability to identify client needs and recommend relevant banking products, leading to increased sales and revenue growth
- Communication: Excellent written and verbal communication skills with the ability to engage clients and stakeholders at all levels
- Team Leadership & Collaboration: Strong team player with leadership experience, able to guide teams and collaborate effectively across departments
- Time Management: Demonstrated ability to prioritize tasks, manage time efficiently, and meet deadlines under pressure
- Adaptability: Ability to adjust to changing business environments and client needs while maintaining high service standards
- Confidentiality: Maintains strict confidentiality with sensitive client and organizational information, ensuring trust and compliance
TECHNICAL PROFICIENCIES
- R Programming: Intermediate proficiency in data analysis
- Banking Operations
- Financial Analysis
Certifications
- Certificate of Completion - Foundations of Banking and Credit, Moody's Analytics 2024
- Certificate of Completion - Elevating Customer Experience, Moody's Analytics 2024
- Certificate of Recognition for the United Peoples Global (UPG), Class of 2022
- Certificate of Recognition for the Millennium Campus Network (MCN) and the United Nations Academic Impact, Class of 2021.
- Participated in the ShARE African Program Class of 2020
Associations and Affiliations
- Member of Enactus Kenya since 2021
- Member of Equity Leadership Program (ELP) since 2017
REFEREES
- Samuel Kaara: Senior Relationship Officer
Equity Bank - Lavington Supreme Center Branch
Email: samuel.kaara@equitybank.co.ke
Phone: 0724697954
- Joyce Kamau: Senior Business Growth & Development Manager
Equity Bank - Lavington Supreme Center Branch
Email: joyce.kamau@equitybank.co.ke
Phone: 0722337616
Timeline
Supreme Banking Relationship Officer
Equity Bank Lavington Supreme
07.2022 - 07.2024
Operations Officer
Equity Bank Ke LTD - Tearoom Branch
04.2019 - 06.2019
Operations Officer
Equity Bank Ke LTD - Busia Branch
07.2018 - 10.2018
Operations Officer
Equity Bank Ke LTD - Luanda Branch
01.2017 - 12.2017
Master of Science - MSc Global Banking And Finance
United States International University-Africa
Bachelor of Science - BSc Economics And Statistics
University of Nairobi
High School Diploma -
Nyangori Boys High School
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