RODGERS RONOH YATOR
SME Relationship Manager
Kabarnet
Summary
Results-driven SME banking professional with over 11 years of progressive experience in Relationship Management, Credit Analysis, Business Development, and Customer Service across leading financial institutions. Proven ability to grow loan portfolios, manage credit risk, and drive customer acquisition and retention. Strong analytical and leadership skills, with hands-on experience in digital banking, audit & compliance, and portfolio management. Holder of an Executive Certificate in Professional Insurance, strengthening risk assessment and advisory capabilities, Strathmore University (SBS) Certification in Relationship Management DNA.
Overview
14
14
years of professional experience
1
1
Certificate
Work History
SME Relationship Manager
NCBA Bank Ltd
10.2023 - Current
- Conduct credit appraisals for all SME products, ensuring sound risk assessment and adherence to credit policies.
- Manage SME portfolio quality, driving growth in deposits, loan book, and foreign exchange transactions.
- Drive revenue through effective up-selling and cross-selling of bank products and services.
- Build and maintain strong relationships with SME clients to enhance customer retention and satisfaction.
- Ensure timely renewal of credit facilities, including overdrafts and Bank Guarantees.
- Ensure full compliance with internal audits, regulatory requirements, and bank policies.
- Deputize for the Branch Manager and support overall branch operations when required for business continuity.
Business Client Advisor – SME Banking – Kayole and Buru Buru Branches
Equity Bank Ltd
06.2022 - 09.2023
- Conducted SME credit appraisals across a wide range of products, including Trade Finance, Asset Finance, Mortgages, and Working Capital facilities, ensuring strong portfolio quality and effective relationship management.
- Chaired credit committee meetings and provided advisory support to clients by recommending suitable and sustainable financial solutions.
- Led deposit mobilization initiatives, product marketing campaigns, and customer segmentation strategies to drive business growth and deepen client engagement.
Biashara Banking Officer- Kayole Branch
08.2020 - 06.2022
- Specialized in micro, individual, and asset finance loan appraisals, ensuring thorough credit analysis and adherence to lending policies.
- Supported member education on financial products and credit management while maintaining a high-quality, well-performing loan portfolio.
Digital Lending Officer – Kayole Branch
04.2019 - 08.2020
- Appraised and evaluated digital lending applications for creditworthiness and risk.
- Managed SME and consumer credit portfolios, ensuring portfolio quality and performance.
Teller & Technical Support Officer – Donholm Branch
07.2015 - 04.2019
- Executed teller duties while ensuring accuracy and compliance.
- Provided technical support for LAN and server operations, contributing to system reliability and uptime.
Operations & Credit Officer – Litein Branch
10.2013 - 07.2015
- Executed teller operations and agricultural loan appraisals, ensuring compliance with lending norms.
- Assisted in branch credit administration and operational activities to support business continuity.
Accounts Assistant
Ushuru SACCO Ltd
02.2012 - 06.2012
- Prepared and maintained financial reports to support internal and external audits, loan processing, and member financial education initiatives.
Education
Strathmore University Business School
Executive Certificate of Proficiency in Insurance - undefined
College of Insurance
Kenya04.2025
Bachelor of Business Management - Banking & Finance
Moi University
01.2012
Computer Literacy Certification - undefined
Bartek Institute
Kabarnet01.2009
Kenya Certificate of Secondary Education (KCSE) - undefined
Moi High School
Kabarak01.2007
Kenya Certificate of Primary Education (KCPE) - undefined
AIC Visa Oshwal Primary School
01.2003
Skills
Microsoft Office Suite with advanced proficiency in Excel and PowerPoint
CRM platforms including Microsoft Dynamics 365 for customer and pipeline management
Accomplishments
- Achieved yearn-year SME loan book growth at NCBA Bank
- Consistently met sales targets across three Equity Bank branches
- Championed digital onboarding that increased online banking adoption at the branch
- Chaired credit committees and improved turnaround time (TAT) for loan processing
CORE COMPETENCIES
- SME & Consumer Lending
- Credit Appraisal & Portfolio Management
- Relationship Management & Client Retention
- Business Development & Sales Strategy
- Digital & Retail Banking
- Audit, Compliance & Risk Management
- Product Cross-Selling
- Team Leadership & Staff Training
- IT & Technical Support
Quote
Business opportunities are like buses, there’s always another one coming.
Richard Branson
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Certification
CBRM - Certified Business Relationship Manager
Languages
English
Bilingual or Proficient (C2)
Swahili
Bilingual or Proficient (C2)
Timeline
SME Relationship Manager
NCBA Bank Ltd
10.2023 - Current
Business Client Advisor – SME Banking – Kayole and Buru Buru Branches
Equity Bank Ltd
06.2022 - 09.2023
Biashara Banking Officer- Kayole Branch
08.2020 - 06.2022
Digital Lending Officer – Kayole Branch
04.2019 - 08.2020
Teller & Technical Support Officer – Donholm Branch
07.2015 - 04.2019
Operations & Credit Officer – Litein Branch
10.2013 - 07.2015
Accounts Assistant
Ushuru SACCO Ltd
02.2012 - 06.2012
Executive Certificate of Proficiency in Insurance - undefined
College of Insurance
Bachelor of Business Management - Banking & Finance
Moi University
Computer Literacy Certification - undefined
Bartek Institute
Kenya Certificate of Secondary Education (KCSE) - undefined
Moi High School
Kenya Certificate of Primary Education (KCPE) - undefined
AIC Visa Oshwal Primary School
Strathmore University Business School