Summary
Overview
Work History
Education
Skills
Websites
Professional Bodies Membership
Accomplishments
Timeline
Generic

KENNEDY Mwinzi Munyoki

BANKING,ACCOUNTING AND FINANCE PROFESSIONAL
Thika,30

Summary

Result-driven and experienced Banking, Accounting and Finance professional with proven track record of success in growing and maintaining bank liabilities and asset portfolios through effective relationship management, gathering market intelligence, and ensuring timely and accurate processing of credit applications and account opening documents. I have strong knowledge of business, finance, banking, credit and risk management, and the ability to recommend and promote products and solutions that best serve clients while working within risk parameters. Excellent leadership and communication skills, capable of collaborating effectively with cross-functional teams and senior management to achieve organizational objectives.

Overview

18
18
years of professional experience
4040
4040
years of post-secondary education

Work History

Assistant Manager MSME Banking

KCB BANK KENYA LIMITED
NAIROBI, 30
01.2020 - Current
  • Successfully grow and maintain existing bank liabilities and asset portfolios through effective relationship management.
  • Gathering market intelligence to identify opportunities for business growth and develop value chain synergies.
  • Ensuring timely and accurate processing of credit applications and account opening documents within SLAs.
  • Driving Non-Funded Income (NFI) through all digital platforms and cross-sale other bank products.
  • Lending prudently while managing the overall PAR for Micro and SME credit facilities at the branch to acceptable levels.
  • Growing and maintaining Biashara Club Portfolio and revenue through membership recruitment and coordination of Biashara club activities. (Biashara Club is a networking Micro & SME Club for bank customers).
  • Adhering to Standard Operating Procedures (SOPS), Anti-Money Laundering (AML), Combating the Financing of Terrorism and Know Your Customer procedures to mitigate losses, frauds, forgeries and regulatory penalties.
  • Built strong internal and external relationships to provide exceptional client advice and service.
  • Managing a portfolio of business clients; increasing portfolio by prospecting for new clients and deepening relationships with existing clients.
  • Leveraging knowledge of business, finance, banking, credit and risk management to recommend and promote products and solutions that best serve clients while working within risk parameters.
  • Conducting periodic mini capacity building sessions for customers/prospects to drive adoption of bank’s products and services and add value to customers.
  • Mentoring, coaching and managing a Direct Sales Representatives team.
  • Assisting the Branch Manager in managing the assigned Bank’s Branch.
  • In 2024 I assisted the Branch Manager in managing the branch to report a commendable growth in the Balance Sheet by growing deposits by 110% above targets to settle at Kes 2.7B, loans a grow of 120% to settle at 1.5Bn whilst ensuring the NPL ratio was at 5.5%.
  • At the end of Quarter 1 2025 my individual performance in relation to MSME Portfolio was on track. Profitability 13M (165%)

Assistant Manager Personal Banking

KCB BANK KENYA LIMITED
01.2016 - 01.2019
  • Mobilized deposits and growth of the loan book to grow the Bank’s portfolio.
  • Managed the portfolio quality of the various customers under my portfolio.
  • Grew customer numbers/base.
  • Supporting the various branch operations.
  • Ensured the Sector’s policies and procedures were adhered to.
  • Identified customer potential and credit worthiness and prepared credit proposals in compliance with the Bank’s credit and lending policy.
  • Grew the loan book by marketing to new and existing customers.
  • Relationship management of both individual customers and institutions with Loan Check off Schemes.
  • Customer and Institutional appraisal.
  • Quality Customer Service.
  • Financial Literacy to my customer.
  • Mentoring, coaching and managing a Direct Sales Representatives team.
  • Assisting the Branch Manager in managing the assigned Bank’s Branch.
  • In 2016 I assisted the Branch Manager in managing the branch to cross the Kenya Shillings 1Billion Mark in PBT.
  • 2017 was a great year despite the political adversities while executing my role as the Assistant Manager Personal Banking, I managed to lead the Branch in achieving PBT of Kes1.036 Billion by growing the consumer loan book to Kes 770 million thus yielding interest income of Kes 95 million with a quality credit portfolio. As a branch we were feted during the 2017 SIMBA AWARDS ceremony as the most profitable large Branch in Kenya.
  • In the ongoing deposit mobilization campaign, I managed to cross sell and attract deposits worth 211Million Kenya Shillings thus emerging second runners up for the month of July 2018.
  • In 2019 I was able to drive the branch consumer book growing the loan book to Kes 1.1 billion whilst emerging 3rd best banker in the Nairobi Central region and position 6 countrywide. The PAR was maintained at 3%.

Assistant Manager SME Banking

KCB BANK KENYA LIMITED
MALINDI, Kilifi District
01.2014 - 01.2016
  • Successfully grow and maintain existing bank liabilities and asset portfolios through effective relationship management.
  • Gathering market intelligence to identify opportunities for business growth and develop value chain synergies.
  • Ensuring timely and accurate processing of credit applications and account opening documents within SLAs.
  • Driving Non-Funded Income (NFI) through all digital platforms and cross-sale other bank products.
  • Lending prudently while managing the overall PAR for SME credit facilities at the branch to acceptable levels.
  • Growing and maintaining Biashara Club Portfolio and revenue through membership recruitment and coordination of Biashara club activities.
  • Adhering to Standard Operating Procedures (SOPS), Anti-Money Laundering (AML), Combating the Financing of Terrorism (CFT) and Know Your Customer (KYC) procedures to mitigate losses, frauds, forgeries and regulatory penalties.
  • Built strong internal and external relationships to provide exceptional client advice and service.
  • Managing a portfolio of business clients; increasing portfolio by prospecting for new clients and deepening relationships with existing clients.
  • Leveraging knowledge of business, finance, banking, credit and risk management to recommend and promote products and solutions that best serve clients while working within risk parameters.
  • Conducting periodic mini capacity building sessions for customers/prospects to drive adoption of bank’s products and services and add value to customers.
  • Mentoring, coaching and managing a Direct Sales Representatives team.
  • Assisting the Branch Manager in managing the assigned Bank’s Branch.
  • I managed to lead the branch in achieving the set financial targets delivering a PBT of over 122% above the set targets.
  • I managed to heal broken relationship for the bank regarding customers who had left KCB Bank in favour of the competition.
  • I managed to grow a quality credit book characterised by a PAR of 3.67 and zero for both migration and vintage ratio which are within the bank’s standards.
  • In 2016 while executing my role it’s on record that my productivity against the set targets was at 831% overall being the best banker in Coast region and ranked position 20 country wide.

MICRO BANKER

KCB BANK KENYA LTD
MALABA, 04
01.2009 - 01.2014
  • Marketed Micro-credit products and services to the target clients and maintained the image of Micro-Credit activities under the guidance of the Branch Manager and Micro Credit Relationship Manager.
  • Deposit Mobilization.
  • Maintained good relationship with groups and frequently visited them.
  • Disbursement and processing of micro finance loans.
  • Maintain quality portfolio by closely monitoring repayment of loans from customers.
  • Recruiting clients, groups and business appraisal.
  • Identified and located prospective micro-credit clients.
  • Planned periodic visits to identifiable clients.
  • Prepared Micro-Credit loan applications for approval.
  • Prepared weekly and monthly returns/reports to the Micro Finance Manager.
  • I managed to overcome what appeared to be insurmountable challenges by setting up branch micro credit department from scratch and in its first inaugural Audit in 2011 managed to achieve an 87% score.
  • In 2011 I managed to ensure that the Branch Micro loan book closed at healthy PAR rating of 1.80%. I achieved this performance through hard work, acting professionally, teamwork and being ready to learn.
  • I supported Branch Sustainability initiatives by submitting timely reports to the bank’s transformation change managers.
  • I acted as a retail banker in 2012 for one full month alongside my role as micro-banker diligently and I was able to meet the Micro- finance, Personal and SME customers’ expectations.
  • I was rated as one of the top performers in Micro Banking business as at end of year 2013; I was ranked position 16 out of 203 micro bankers within the bank having achieved my set Assets and Liabilities targets by 110%.
  • Branch team was awarded certificate of recognition as first runners up branch in the country by achieving high growth in PBT, Loans, Accounts.
  • In year 2014 I managed to train five Micro Bankers and instilled the best micro finance practices to them.
  • My credit report presentation on bank’s Credit Management system was applauded by the Head of SME Credit and do date the prototype credit MEMOs I presented are being used to train Micro credit officers in the bank.

GRADUATE TRAINEE

KCB BANK KENYA LTD
MALABA, 30
01.2009 - 01.2010
  • Provided splendid customer services to customers in a friendly and courteous manner at all times.
  • Have sufficient knowledge about the banking products and services.
  • Respond to all Customer inquiries in accordance with the Bank’s Policies and Procedures.
  • Ensure that all the bank’s policies and procedures, code of conduct and regulatory guidelines are strictly complied with in the process of discharging duties.

DIRECT SALES REPRESENTATIVE

KCB BANK KENYA LTD
NAIROBI, Nairobi Province
01.2007 - 01.2009
  • Adhered to Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures to mitigate risks and losses while onboarding clients for the bank.
  • Successfully monitored and managed new credit products, including personal loans and specialized products, ensuring compliance with credit guidance at branch level.
  • Consistently monitored and enforced proper application and collection of interest and fees associated with credit.
  • Sold Retail Bank products and services to drive sustainable business growth.
  • Prepared financial statements, bank reconciliations and journal entries.
  • Provided expert advice to clients on appropriate bank products to meet their day-to-day banking needs.
  • Conducted market research and provided customer feedback to the sales manager to improve products and target specific market segments.
  • Actively participated in product campaigns to ensure customer access to accurate product information.
  • Delivered exceptional customer experience through interactions on various channels.
  • Gathered customer feedback to continuously improve Bank products and customer experience.
  • Developed persuasive arguments to sell products and services to customers and prepared cost-benefit analyses for customers.

Education

Master of Science - Finance & Accounting

JKUAT

Master of Science - Financial Engineering

World Quant University

Bachelor of Education - Mathematical Statistics and Accounting

The University of Nairobi
01.2003 - 01.2007

Certificate in Financial Modelling - undefined

Alison Academy

Diploma in Accounting - undefined

Alison Academy

Certificate Public Accountant (CPA) - undefined

KASNEB
01.2007 - 01.2009

Certificate Of Insurance Proficiency COP - undefined

The college of Insurance

Sustainable Finance Initiative - undefined

Kenya Bankers Association

Forensic Accounting and Fraud Examination - MOCC online course

West Virginia University

Computerized Accounting Software -

ESMART College

Skills

  • Sales & business development

  • Credit analysis & administration

Branch operations,Customer Service

Supervisory ,Leadership skills,Planning and Organizing

  • Analytical skills

  • Teamwork

  • Decision making

  • Integrity

  • Resilience

  • Self-drive

Computer skills-Ms Word,Ms Excel,Ms Access,Powerpoint,Core Banking Systems

Professional Bodies Membership

The Institute of Certified Public Accountants of Kenya, Associate member ICPAK

Accomplishments

Key Achievements
  • 2024: Assisted in branch management, growing deposits by 110% (Kes2.7B) and loans by 120% (Kes 1.5B) while maintaining an NPL ratio of 5.5%.
  • Q1 2025: Delivered Kes13M (165%) profitability in relation to MSME Portfolio.
  • 2019: Led the branch consumer book, growing loans to Kes 1.1B, ranking third best banker in Nairobi Central and sixth countrywide while maintaining PAR at 3%.
  • 2017: Led branch profitability to Kes 1.036B PBT despite market challenges, earning recognition at SIMBA AWARDS as the most profitable large branch in Kenya.
  • 2016: Achieved branch deposit mobilization campaign, attracting Kes 211M, emerging second runner-up for July 2018.
  • 2016: Ranked best banker in Coast Region and top 20 countrywide, achieving 831% productivity against targets.
  • 2014: Set up a successful micro-credit department, achieving 87% in inaugural audit and maintaining PAR at 1.80%.
  • 2013: Ranked position 16 out of 203 micro-bankers, achieving 110% of assets and liabilities targets.
  • 2011: Managed branch micro-finance, ensuring a healthy PAR of 1.80%.
  • Branch-Level Success: Led teams to high growth in PBT, loan accounts, and client portfolios, earning branch-wide recognition.

Timeline

Assistant Manager MSME Banking

KCB BANK KENYA LIMITED
01.2020 - Current

Assistant Manager Personal Banking

KCB BANK KENYA LIMITED
01.2016 - 01.2019

Assistant Manager SME Banking

KCB BANK KENYA LIMITED
01.2014 - 01.2016

MICRO BANKER

KCB BANK KENYA LTD
01.2009 - 01.2014

GRADUATE TRAINEE

KCB BANK KENYA LTD
01.2009 - 01.2010

DIRECT SALES REPRESENTATIVE

KCB BANK KENYA LTD
01.2007 - 01.2009

Certificate Public Accountant (CPA) - undefined

KASNEB
01.2007 - 01.2009

Bachelor of Education - Mathematical Statistics and Accounting

The University of Nairobi
01.2003 - 01.2007

Master of Science - Financial Engineering

World Quant University

Certificate in Financial Modelling - undefined

Alison Academy

Diploma in Accounting - undefined

Alison Academy

Certificate Of Insurance Proficiency COP - undefined

The college of Insurance

Sustainable Finance Initiative - undefined

Kenya Bankers Association

Forensic Accounting and Fraud Examination - MOCC online course

West Virginia University

Master of Science - Finance & Accounting

JKUAT

Computerized Accounting Software -

ESMART College

Similar Profiles

CREATE PROFILE
KENNEDY Mwinzi MunyokiBANKING,ACCOUNTING AND FINANCE PROFESSIONAL