JUMA KEBIRO MOMANYI

Universal Banker with documented cash handling experience and strong aptitude for customer service. Competently educates customers on banking options and recommends appropriate products and services to meet financial needs. Leverages people skills to securely process teller transactions, resolve issues and refer customers to business partners for advanced relationship development.

• Sales and Communication Expertise
  Based on my experience,I have developed strong negotiation, communication, and interpersonal skills through both walk-in and door-to-door sales of banking products. This experience sharpened my ability to engage with customers, understand their needs, and effectively present banking solutions.
• Sales, Marketing, and Client Relationship Management
  Through my roles in sales and Universal Banking department, I gained extensive marketing and client relationship management experience. This enabled me to successfully exceed sales targets, build lasting relationships with clients, and drive business growth.
• Credit Appraisal and Portfolio Management
  I possess strong analytical skills in credit appraisal, conducting customer visits, and managing loan documentation and security perfection. I am experienced in monitoring loans, preparing detailed reports, and effectively managing non-performing loans to ensure portfolio quality.
• Regulatory Compliance Knowledge (CBK Prudential Guidelines)
  I have proactively familiarized myself with the regulatory requirements outlined by the Central Bank of Kenya (CBK) and consistently ensure compliance with the applicable prudential guidelines in all banking operations.
• Cross-Selling and Digital Banking Adoption
  In my roles as a Customer Care Consultant, Universal Channels Consultant, and Universal Banker, I effectively transitioned numerous clients to digital banking platforms, showcasing my ability to streamline the customer banking experience and promote digital banking products through cross-selling.
• Client Relationship Management Success
  As a Universal Banker, I played a key role in expanding the loan book, helping the branch reach over KES 3 billion in loan book size while increasing wallet share through value chain optimization and building a comprehensive 360 ecosystem. This success was driven by cultivating strong client relationships and fostering business growth.
• Comprehensive Banking Operations Knowledge
  With hands-on experience in the back office and as a teller, I have developed a deep understanding of banking operations, compliance procedures, and operational workflows, which have contributed to my all-rounded expertise in the banking sector.
• Extensive Banking Business Knowledge
  Over the course of 10 years in various departments, I have gained a comprehensive understanding of banking products, services, and business operations, which has equipped me with a well-rounded perspective of the industry and its functions.