ASHLEY MUKAMI NTEERE
Ruiru
Summary
Banking professional with 5+ years’ progressive experience in retail, clearing, and credit operations within the financial services sector at Bank of Africa. Skilled in credit risk analysis, financial modeling, regulatory compliance and data-driven decision making. Adept at preparing and reviewing loan documentation, reconciling high-volume transactions, and resolving client queries within strict SLAs. Passionate about leveraging financial engineering and data science expertise to enhance efficiency, reduce risk, and support business growth.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Financial Risk Analyst and ESG Officer
Bank of Africa
Westlands
11.2024 - Current
- Daily Monitoring and Reporting of deals, e.g, Swaps, Forwards, Interbank deals, etc., done by the Treasury Department and presenting the same during Daily Treasury Committee
- Computing, monitoring and reporting of the bank's mark to market (MTM) losses/ gains for its FVOCI bond portfolio.
- Asset Liability Management; monitoring funding gaps, maturity mismatches, cash flow forecasting, liquidity adequacy ratio, capital adequacy ratio, monitoring IRRBB, stress testing, scenario analysis etc.
- Spearhead Internal Capital Adequacy Assessment Process (ICAAP) annually in liaison with Finance and other relevant departments.
- Preparation of Market Risk reports for presentation to the ALCO committee and Group Market Risk Department.
- Quarterly update of the Financial Risk section of the Board Paper.
- Monitoring macroeconomic indicators and analyzing their impact on the bank.
- Stress Testing the bank's loan book to establish effect on the bank's capital position/ buffers.
- Monitoring key Credit Risk Appetites such as Non-performing Loans Ratio, Portfolio at Risk (PAR), Concentration Ratio, Single Obligor Limit (SOL), Large Exposures etc. and presenting the same to both ALCO and Management Credit Risk Committee meetings (MCRC) meetings.
Operational Risk Analyst
Bank of Africa
Westlands
08.2024 - 11.2024
- Fostered a culture of collaboration and risk awareness across business units by organizing monthly risk management meetings to update risk registers, ensuring consistent communication and proactive risk management.
- Prepared detailed Management and Committee reports to communicate the effectiveness of operational risk controls, highlighting issues and providing recommendations that mitigated risk events by 20%.
- Conducted risk assessments for new products , projects and developments, ensuring alignment with operational risk standards, contributing to the successful launch of 5 major initiatives.
- Built strong relationships with internal and external stakeholders, facilitating effective coordination and collaboration during emergencies, resulting in a 20% improvement in emergency response times.
- Achieved a 30% decrease in unauthorized access instances, indicating tighter control over system access.
- Reduced the time required to assign profiles and manage access permissions to an SLA of 15 minutes, increasing system administration efficiency by 25%.
Banking Officer - Legal and Credit Documentation
Bank of Africa
Westlands
08.2023 - 08.2024
- Reviewed new credit requests, verifying eligibility and capability to understand credit position of clients.
- Preparation of both Corporate, SME and Retail Letters of Offer and ensuring that all approval conditions are clearly captured in the principle contract documents.
- Ensuring that Letters of Offer are executed internally within the set turnaround time.
- Issue instructions to the in-house lawyers for preparation of guarantees and Indemnities, Chattels Mortgages and Lien of Deposit of title documents.
- Quality Analysis/Reviews of credit files.
- Timely responses to internal customers on credit related queries.
- Monitoring to ensure that all post approval conditions are adhered to.
Banking Assistant - Clearing
Bank of Africa
Westlands
06.2022 - 08.2023
- Receipt of files from CBK (Sybrin system) - Confirm all files received and extract settlement report.
- Monitor the upload progress of clearing files to completion.
- Action all other exceptions that have defaulted.
- Generation and Transmission of the unpaid files to CBK.
- Follow up and clearance of all outstanding items in the suspense accounts.
- Strive to meet high customer service levels by processing incoming requests efficiently and in accordance with procedures and policies to meet Service Level Agreements.
- Escalate non-conforming instructions to the Line Manager for further guidance.
- Checking of unauthorized items at the end of the day.
- Initiation and running of Projects within the Department.
- Perform validation on inward cheques to ensure that all details are correct.
- Validate and confirm that all transactions allocated have been processed and authorised by end of day.
- Ensuring all entries in suspense accounts are accounted for and/or processed as per the agreed turnaround time and any variances explained and escalated to the line manager.
Banking Assistant - Clearing
Bank of Africa
Westlands
06.2022 - 08.2023
- Maintain and update filing of customer or other internal instructions in line with bank document management procedure and policies.
- Process direct debit requests received from other banks as well as initiate new direct debit requests to other banks.
- Professional presentation of self to customers.
- Settling payments of cheques and accounts.
- Handle and escalate customer queries in a timely manner.
- Contribute to the financial growth of the bank through cross-selling.
- Contribute to audit rating by consistently performing tasks as per documented procedures.
Banking Assistant - Teller
Bank of Africa
Westlands
05.2019 - 01.2022
- Processed cash deposits and withdrawals as per documented procedures.
- Followed up and processed requests for credit cards, new accounts and account deposits.
- Recorded and reconciled cash transactions in an efficient and accurate manner.
- Reconciled cash and cheques against computer records at end of shift.
- Recognized sales opportunities and cross-sold financial products by making quality referrals to meet assigned teller goals.
- Demonstrated expertise in identifying and mitigating potential fraud and transaction risks.
- Received detailed performance reviews and focused on areas of opportunity to improve teller skills.
- Provided warm and friendly welcome to customers to create excellent first impression.
- Verified amounts and endorsements on cheques and examined cash to prohibit acceptance of counterfeit bills.
- Prepared official cheques for customers and internal bank needs.
- Assisted auditors in identifying information necessary to complete audit activities.
- Adhered to safe deposit box procedures, operations and guidelines while assisting customers.
- Acquired and maintained knowledge of emerging technologies and customer virtual interactions.
- Responded to and assisted customers with account inquiries and updates.
- Participated in formal and informal training to maintain up-to-date knowledge of banking technologies and laws.
- Adhered to strict financial and customer data guidelines to avoid breaches and information misuse.
Education
Bachelor of Science - Financial Engineering
Jomo Kenyatta University of Agriculture And Technology
Juja, Kenya11-2018
Grade B -
Kaaga Girls' High School
01.2013
Skills
- Enterprise Risk Management
- Risk Operations
- Branch Banking Operations
- Adaptability
- Credit analysis
- Legal documentation
- Risk assessment
- Problem solving
- Financial planning
- Credit assessment
- Collaboration
- Strong Work Ethic
- Problem Solving
- Business Analysis
Certification
- Fundamentals of Credit Risk Management Certification- Chartered Institute of Securities and Investment April 2024
- Financial Modelling and Valuation Analyst Certification- Corporate Finance Institute July 2022
- Applied Data Science II: Machine Learning and Statistical Analysis - World Quant University March 2022
- Applied Data Science I: Scientific Computing and Python- World Quant University December 2021
Languages
Swahili
First Language
English
Advanced (C1)
C1
French
Intermediate (B1)
B1
German
Intermediate (B1)
B1
References
- Sophy Mwende Musande, Manager, Credit Documentation, Bank of Africa Kenya Limited, +254723485611, sophy.musande@boakenya.com
- Achoki Momanyi, Team Leader, Clearing, Bank of Africa Kenya Limited, +254720827183, achoki.momanyi@boakenya.com
- Philip Kariuki Wanjiru, Customer Service Manager, Westlands Branch, Bank of Africa Kenya Limited, +2547284424452, philip.wanjiru@boakenya.com
Timeline
Financial Risk Analyst and ESG Officer
Bank of Africa
11.2024 - Current
Operational Risk Analyst
Bank of Africa
08.2024 - 11.2024
Banking Officer - Legal and Credit Documentation
Bank of Africa
08.2023 - 08.2024
Banking Assistant - Clearing
Bank of Africa
06.2022 - 08.2023
Banking Assistant - Clearing
Bank of Africa
06.2022 - 08.2023
Banking Assistant - Teller
Bank of Africa
05.2019 - 01.2022
Bachelor of Science - Financial Engineering
Jomo Kenyatta University of Agriculture And Technology
Grade B -
Kaaga Girls' High School