PATRICK MUNYAO NDETI
Summary
I am an experienced banking professional with over 9 years of expertise in retail and business banking, specializing in relationship management, credit management, customer acquisition and revenue generation. Proven track record in leading business acquisition, relationship management, ensuring compliance with regulatory requirements and driving exceptional customer service. Proficient at strategic planning, teamwork and developing and nurturing strategic relationships with clients. Seeking to leverage my skills and experience in Business and Corporate Banking in a world class organization and contribute to business growth.
Overview
10
10
years of professional experience
3
3
Certifications
Work History
Relationship Manager (Business & Commercial Banking)
SBM bank
09.2025 - Current
- Client Relationship Management: Cultivate and maintain strong client relationships, ensuring adherence to the bank's credit policy and fostering high-quality client portfolios.
- Operational Cost Optimization: Assist in maintaining optimal operational costs, contributing to overall profit maximization for the bank.
- Professional Client Interactions: Coordinate client meetings and follow-up actions, ensuring professional and effective interactions.
- Business Growth: Achieve sales targets for accounts, loans, deposits, Trade Finance and other banking products through strategic market research and targeted sales activities.
- Leadership and Team Management: Supervise and guide the branch sales team, driving performance and ensuring compliance with industry regulations.
- Cross-selling and Revenue Growth: Cross-sell products to new and existing customers, leading to enhanced revenue generation and customer retention.
- Risk Management: Effectively identify and report potential money laundering risks, ensuring compliance with KYC, AML and data protection laws.
- Financial Analysis and Credit Assessment: Conduct thorough financial analysis for credit assessments, prepare credit proposals and ensure they meet the bank's credit policy guidelines.
- Customer Service Excellence: Provide exceptional customer service, handling inquiries and complaints effectively, thereby ensuring customer satisfaction and loyalty.
Branch Senior Relationship Officer (Business Banking)
Family Bank Ltd
06.2022 - 09.2025
- Credit Control and Compliance: Oversaw credit control processes and ensured compliance with the bank's credit policy guidelines, contributing to sound risk management practices.
- Leadership and Team Development: Provided leadership and guidance to Relationship Officers and sales teams, fostering a high-performance culture and achieving business targets.
- Loan Book Management: Managed the branch loan book, ensuring quality and compliance, and prepared comprehensive credit proposals for approval.
- Customer Retention and Satisfaction: Ensured high levels of customer retention by effectively handling customer inquiries and complaints, providing exceptional service, and fostering loyalty.
- Sales Target Achievement: Achieved sales targets for accounts, loans, deposits, and other banking products through strategic market research and targeted sales activities.
- Market Research and Customer Acquisition: Conducted thorough market research to identify and capitalize on new customer acquisition opportunities, contributing to business growth.
- Compliance with Regulatory Policies: Ensured compliance with Data Protection and AML policies, mitigating risks associated with financial crimes.
- Branch Portfolio Management: Diligently managed branch portfolio risks in line with the bank’s portfolio appetite, ensuring balanced growth and sustainability.
Relationship Officer (Business Banking)
Family Bank Ltd
03.2021 - 05.2022
- Sales Target Achievement: Successfully met and exceeded sales targets for accounts, loans, deposits, and other banking products, contributing to the overall growth of the branch.
- Market Research and Business Development: Conducted extensive market research to identify potential customers and business opportunities, driving customer acquisition and business expansion.
- Customer Acquisition and Retention: Acquired new customers through targeted sales activities and ensured high levels of customer retention by providing personalized service and addressing their needs effectively.
- Product Knowledge and Cross-Selling: Demonstrated in-depth knowledge of banking products, enabling effective cross-selling and upselling to meet customer needs and enhance revenue.
- Risk Management and Compliance: Ensured compliance with KYC, AML, and data protection policies, identifying and mitigating potential risks associated with financial crimes.
- Customer Service Excellence: Delivered exceptional customer service, promptly addressing inquiries and resolving complaints to ensure customer satisfaction and loyalty.
- Branch Portfolio Management: Managed the branch's loan portfolio, ensuring quality and compliance with the bank's credit policies.
- Coordination of Business Activities: 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
Sidian Bank Limited
10.2016 - 02.2021
- Sales Target Achievement: Consistently met and surpassed sales targets for SME banking products, including accounts, loans, and deposits, driving significant growth in the SME segment.
- Market Research and Business Development: Conducted comprehensive market research to identify and tap into new business opportunities, contributing to the expansion of the bank's SME customer base.
- Customer Acquisition and Retention: Acquired new SME clients through proactive sales strategies and ensured high customer retention by providing tailored financial solutions and excellent service.
- Product Knowledge and Cross-Selling: Utilized extensive knowledge of SME banking products to effectively cross- sell and upsell, maximizing revenue opportunities and meeting diverse client needs.
- Risk Management and Compliance: Ensured strict adherence to KYC, AML, and data protection regulations, effectively managing and mitigating risks associated with SME banking operations.
- Customer Service Excellence: Delivered outstanding customer service by promptly addressing client inquiries, resolving issues, and maintaining strong relationships to enhance client satisfaction and loyalty.
- Portfolio Management: Managed the SME loan portfolio, ensuring compliance with the bank's credit policies and maintaining high-quality standards.
- Coordination of Business Activities: 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
Sidian Bank Limited
04.2016 - 10.2016
- 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.
Education
Bachelor of Commerce - Second Class, Upper Division
Kisii University
01-2015
Certified Public Accountant - CPA finalist
KASNEB
01-2015
Kenya Certificate of Secondary Education - B+
Mbooni Boys High School
01-2010
Skills
Customer Relationship Management: Track record of developing new contacts and relationships, maintaining existing clientele with personalized service, and facilitating effective relationships for both external and internal customers
Communication Skills: Excellent communicator who effectively conveys information both verbally and in writing, listens keenly, and provides prompt feedback
Customer Service Skills: Ability to relate courteously and efficiently with clients, providing quality service to achieve customer satisfaction and ensuring customer retention and business growth
Governance & Procedures: Capacity to ensure adherence to organizational policies and procedures, monitor compliance with KYC & AML processes, and follow Banking Act guidelines
Analytical Skills: Ability to critically examine situations, foresee possible outcomes, and advise clientele based on financial market trends and risks
Prioritization and Decision Making: Successful track record in setting priorities, and utilizing keen analytical, organizational, and problem-solving skills to support sound decision-making
Organization and Planning: Ability to plan operational goals in alignment with the company’s mission and objectives, ensuring adherence to financial transaction policies
Presentation Skills: Stands out in presenting proposals in written form and also verbally This ensures that every detail is captured and easy to understand
Accomplishments
- Generated New Customers: Successfully generated new customers and referrals through head office, existing customers, or personal connections.
- Sales Targets Achievement: Consistently met business banking sales targets, including loan book growth, deposits, and trade finance income through cross-selling and acquiring new customers.
- Customer Relationship Management: Developed and managed high net worth client relationships, ensuring high- quality client portfolio and customer retention through effective monitoring and follow-up.
- Leadership and Supervision: Provided leadership to relationship officers and sales teams, ensuring adherence to credit policies and procedures.
- Compliance and Risk Management: Ensured compliance with KYC, AML, and data protection laws, effectively identifying and reporting potential money laundering risks.
- Financial Analysis and Credit Assessment: Evaluated and analyzed financial information for credit assessments, preparing credit proposals and ensuring compliance with bank's credit policy guidelines.
- Customer Service Excellence: Provided a superior level of customer relations and service, handling customer inquiries and complaints effectively to ensure retention and loyalty.
- Business Development and Marketing: Coordinated business development activities, supported marketing initiatives, and organized customer forums for feedback and training on bank products and services.
Certification
Nov 2022: Credit Management: - Kenya School of Credit Management
Timeline
Relationship Manager (Business & Commercial Banking)
SBM bank
09.2025 - Current
Branch Senior Relationship Officer (Business Banking)
Family Bank Ltd
06.2022 - 09.2025
Relationship Officer (Business Banking)
Family Bank Ltd
03.2021 - 05.2022
Relationship Officer – Micro & SME Banking
Sidian Bank Limited
10.2016 - 02.2021
Graduate Trainee
Sidian Bank Limited
04.2016 - 10.2016
Bachelor of Commerce - Second Class, Upper Division
Kisii University
Certified Public Accountant - CPA finalist
KASNEB
Kenya Certificate of Secondary Education - B+
Mbooni Boys High School