KINGS NDIU
Summary
Results-oriented achiever with a proven track record of surpassing targets and achieving success in dynamic work environments. Strategic thinker, combining hands-on experience to provide impactful solutions that elevate organizational performance. Demonstrated ability to drive success through a combination of strategic thinking and practical execution.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Relationship Officer-Business Banking
Equity Bank Limited
10.2022 - 10.2024
- Successfully managed and grew SME banking portfolios at Equity Bank, increasing client engagement and retention.
- Managed a portfolio of high-value clients, ensuring their financial needs were met through tailored investment strategies.
- Created and maintained detailed reports on client interactions to track trends and insights.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Developed tailored communication strategies, enhancing client engagement.
- Facilitated workshops to educate clients about services and products for improved understanding.
- Increased customer satisfaction with regular follow-ups, meeting needs.
- Cultivated strong client relationships by addressing concerns and providing timely solutions.
- Facilitated meetings and discussions between clients, sales and delivery teams.
- Increased referral business by actively networking within the community and participating in local events representing the bank.
- Monitored, followed-up and escalated cases to meet customer response commitments.
- Increased loan approvals by diligently assessing creditworthiness and recommending suitable lending options.
- Maintained strong knowledge of industry trends, sharing insights with clients as part of proactive advisory services.
- Maintained and built close relationships with customers through regular contact and visits.
- Conducted comprehensive financial analyses to identify potential risks and recommend appropriate mitigation strategies to senior management.
- Coordinated with compliance officers to ensure adherence to regulatory guidelines in all client interactions and transactions.
- Developed customized financial plans for clients, incorporating investment, banking, and insurance products that aligned with their goals.
Relationship Officer-Loan Monitoring
Equity Bank Limited
07.2022 - 10.2022
- Adhered to set policies and procedures, demonstrated good customer service skills while initiating outbound calls and receiving inbound calls from customers for collections and consultation purposes
- Negotiated on phone, email follow ups and branch visits for account resolution and payments, and accurately input and documented actions within the collection systems while maintaining performance and productivity standards
- kept track of accounts allocated to me to identify the outstanding arrears and calling customers to inform them for payments
- Analyzed accounts in arrears and negotiate payment plan with customers as promptly as possible
- Maintained up-to-date customer contact information in the collections systems
- supported other queues to facilitate teamwork in the department
- Served as a resource/subject matter expert and provided training to fellow team members
- Initiated external contact with customers and performed advanced loss prevention activities (field customer visits and account settlement) or administrative work
- Regularly Shared Loan Arrears reports with Branch officers and management for Collections coordination purposes
- Educated and worked with clients on ROI terms to find accurate solutions.
- Increased customer satisfaction with regular follow-ups, meeting needs.
Loan Officer
4g-Capital Limited
04.2022 - 06.2022
- Evaluated credit worthiness by processing loan applications and documentation within specified limits
- Interviewed applicants to determine financial eligibility and feasibility of granting loans
- Determined all applicable ratios and metrics and set up debt payment plans
- Promoted loan products to potential clients through various marketing strategies.
- Communicated with clients either to request or to provide information
- Reviewed loan applications for compliance with lending standards by conducting thorough evaluations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Evaluated financial statements to identify suitable loan options for clients.
- Developed knowledge of compliance requirements to guide clients through loan processes.
Finance & Accounts Officer
Kenya Wildlife Services -Air-wing
01.2021 - 03.2021
- Facilitated smooth month-end closing procedures, minimizing errors and delays in financial statements preparation.
- Reduced budget discrepancies through rigorous expense monitoring and reconciliation.
- Optimized cash flow management, ensuring timely payments to vendors and efficient fund allocation.
- Managed accounts receivable and accounts payable functions, ensuring accurate recording of all transactions.
- Simplified complex financial concepts for non-finance team members, fostering better decisionmaking.
- Checked expenses against budget controls, entered figures and reconciled business accounts to address discrepancies.
- Handled day-to-day accounting processes to drive financial accuracy.
- Matched purchase orders with invoices and recorded necessary information.
- Inspected account books and recorded transactions.
Education
Certificate - Executive Certificate of Proficiency
College of Insurance
08-2024
Master of Science - Development Finance
KCA University
11-2023
Bachelor of Science - Economics
Multimedia University of Kenya
12-2021
Kenya certificate of secondary education -
Nakuru High School
12-2016
Skills
- Analytical skills
- Creativity and innovation
- Financial analysis skills
- Communication skills
- Financial acumen
- Leadership skills
- Computer proficiency
- Customer relationship management (CRM)
- Customer service
- Relationship building
- Financial services
- Sales proficiency
- Data analytics
- Risk management
Accomplishments
- Managed an SME portfolio worth KES 150M+, increasing client engagement and retention by 30% at Equity Bank-Nanyuki Branch.
- Facilitated loan approvals and disbursements totaling KES 200M+, ensuring compliance with credit policies.
- Exceeded monthly sales and loan portfolio targets by 25-40%, contributing to revenue growth.
- Conducted financial analysis and risk assessments, reducing non-performing loans (NPLs) by 15%.
- Spearheaded business development initiatives, acquiring 20+ new SME clients in under a year.
- Provided financial advisory support to clients, improving customer satisfaction scores by 25%.
- Generated and closed high-value leads, increasing sales conversion rates by 35%.
- Implemented a client acquisition strategy that grew the customer base by 40% in 12 months.
- Improved customer service efficiency, reducing turnaround time for loan approvals by 30%.
Certification
- Certified Public Accountant (CPA). (Foundation level 1&11) | Kenya Accountants and Secretaries National Examinations Board (KASNEB) | 04/01/24-present
- Certificate in Business Credit | Moody's Analytics |10/31/24
- Statistical Packages Certifications. (SPSS, STATA& R Statistics) | KESAP Research Institute |10/31/21
References
Available on request
Languages
English
Advanced (C1)
Swahili
Advanced (C1)
Timeline
Relationship Officer-Business Banking
Equity Bank Limited
10.2022 - 10.2024
Relationship Officer-Loan Monitoring
Equity Bank Limited
07.2022 - 10.2022
Loan Officer
4g-Capital Limited
04.2022 - 06.2022
Finance & Accounts Officer
Kenya Wildlife Services -Air-wing
01.2021 - 03.2021
Certificate - Executive Certificate of Proficiency
College of Insurance
Master of Science - Development Finance
KCA University
Bachelor of Science - Economics
Multimedia University of Kenya
Kenya certificate of secondary education -
Nakuru High School
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