PATRICK MUNYAO NDETI

Accomplished professional with a strong foundation in customer relationship management, Financial Analysis, known for developing and maintaining client relationships through personalized service. Demonstrates exceptional communication skills, both verbal and written, ensuring effective information exchange and prompt feedback. Expertise in customer service fosters client satisfaction and retention, driving business growth. My excellent track record in providing high quality results combined with my honest approach and reliable nature would make me an asset to any organization.

• Nov 2022: Credit Management: - Kenya School of Credit Management
• June 2022: Salesforce Development: - Strathmore University
• Nov 2020: Financing of Agribusiness Value Chains: - Strathmore University

• Relationship Manager (Business & Commercial Banking), 2025-09-01, Present, SBM bank, Cultivate and maintain strong client relationships, ensuring adherence to the bank's credit policy and fostering high-quality client portfolios., Assist in maintaining optimal operational costs, contributing to overall profit maximization for the bank., Coordinate client meetings and follow-up actions, ensuring professional and effective interactions., Achieve sales targets for accounts, loans, deposits, Trade Finance and other banking products through strategic market research and targeted sales activities., Supervise and guide the branch sales team, driving performance and ensuring compliance with industry regulations., Cross-sell products to new and existing customers, leading to enhanced revenue generation and customer retention., Effectively identify and report potential money laundering risks, ensuring compliance with KYC, AML and data protection laws., Conduct thorough financial analysis for credit assessments, prepare credit proposals and ensure they meet the bank's credit policy guidelines., Provide exceptional customer service, handling inquiries and complaints effectively, thereby ensuring customer satisfaction and loyalty.
• Branch Senior Relationship Officer (Business Banking), 2022-06-01, 2025-09-01, Family Bank Ltd, Oversaw credit control processes and ensured compliance with the bank's credit policy guidelines, contributing to sound risk management practices., Provided leadership and guidance to Relationship Officers and sales teams, fostering a high-performance culture and achieving business targets., Managed the branch loan book, ensuring quality and compliance, and prepared comprehensive credit proposals for approval., Ensured high levels of customer retention by effectively handling customer inquiries and complaints, providing exceptional service, and fostering loyalty., Achieved sales targets for accounts, loans, deposits, and other banking products through strategic market research and targeted sales activities., Conducted thorough market research to identify and capitalize on new customer acquisition opportunities, contributing to business growth., Ensured compliance with Data Protection and AML policies, mitigating risks associated with financial crimes., Diligently managed branch portfolio risks in line with the bank’s portfolio appetite, ensuring balanced growth and sustainability.
• Relationship Officer (Business Banking), 2021-03-01, 2022-05-01, Family Bank Ltd, Successfully met and exceeded sales targets for accounts, loans, deposits, and other banking products, contributing to the overall growth of the branch., Conducted extensive market research to identify potential customers and business opportunities, driving customer acquisition and business expansion., Acquired new customers through targeted sales activities and ensured high levels of customer retention by providing personalized service and addressing their needs effectively., Demonstrated in-depth knowledge of banking products, enabling effective cross-selling and upselling to meet customer needs and enhance revenue., Ensured compliance with KYC, AML, and data protection policies, identifying and mitigating potential risks associated with financial crimes., Delivered exceptional customer service, promptly addressing inquiries and resolving complaints to ensure customer satisfaction and loyalty., Managed the branch's loan portfolio, ensuring quality and compliance with the bank's credit policies., Coordinated business development activities at the branch level, supporting marketing initiatives and organizing customer forums to gather feedback and improve service delivery.
• Relationship Officer – Micro & SME Banking, 2016-10-01, 2021-02-01, Sidian Bank Limited, Consistently met and surpassed sales targets for SME banking products, including accounts, loans, and deposits, driving significant growth in the SME segment., Conducted comprehensive market research to identify and tap into new business opportunities, contributing to the expansion of the bank's SME customer base., Acquired new SME clients through proactive sales strategies and ensured high customer retention by providing tailored financial solutions and excellent service., Utilized extensive knowledge of SME banking products to effectively cross-sell and upsell, maximizing revenue opportunities and meeting diverse client needs., Ensured strict adherence to KYC, AML, and data protection regulations, effectively managing and mitigating risks associated with SME banking operations., Delivered outstanding customer service by promptly addressing client inquiries, resolving issues, and maintaining strong relationships to enhance client satisfaction and loyalty., Managed the SME loan portfolio, ensuring compliance with the bank's credit policies and maintaining high-quality standards., Coordinated and supported business development initiatives at the branch level, organizing customer engagement events and providing feedback for continuous improvement in service delivery.
• Graduate Trainee, 2016-04-01, 2016-10-01, Sidian Bank Limited, Interviewing applicants to determine financial eligibility and feasibility of granting loans., Accounts opening for new bank opportunities., Preparing loan repayment schedules and constantly contacting the client to remind them on the existing bank covenants., Handling customer service issues – front office.

• JANUARIES NDUTO MUTISYA, BRANCH MANAGER, FAMILY BANK –WOTE BRANCH, P.O BOX 74145, Nairobi, Nairobi, 00200, 0708-228295, jannduto@gmail.com
• BENSON MWANZIA SAMMY, BRANCH MANAGER, NCBA BANK –WOTE BRANCH, P.O BOX 44559, Nairobi, Nairobi, 00100, 0727-931723, mwasam@gmail.com
• JULIUS MUENDO KYENGO, BRANCH MANAGER, FAMILY BANK –GATEWAY MALL BRANCH, P.O BOX 74145, Nairobi, Nairobi, 00200, 0720-393243, Kyengotic2004@yahoo.com

• reading