Summary
Overview
Work History
Education
Skills
Accomplishments
Leadership Responsibilities
Personal Information
Internship
Community Service
Timeline
Generic

Ruth Wanja Muthama

3518,Nairobi

Summary

Committed to continuous learning and the pursuit of business excellence, I leverage my acquired skills, knowledge, and best practices to drive growth and sustainability for the company, while fostering personal growth and development. As a motivated team player, my focus is always on delivering bottom-line results, consistently exceeding performance standards. With an extensive background in accounting, auditing, and banking, I offer exceptional communication and interpersonal skills, persuasive negotiating abilities, and a successful track record of managing multimillion Kenya shillings asset portfolios.

Overview

17
17
years of professional experience
8072
8072
years of post-secondary education

Work History

Relationship Manager

NCBA BANK
04.2022 - Current
  • Developed analysis- of customer base that redefined accuracy of services and product usage
  • Identify business opportunities to increase brand and revenue, manage Client Requirements
  • Currently Managing a portfolio of 349 SME clients and a loan book of KES 350 million
  • Improving and maintaining quality of asset book in respect to Portfolio at Risk, by Monitoring effective payments of the loans
  • Maintained a Portfolio at Risk of 2% and achieved a Net Promoter Score of 96%
  • Provision of bid and performance bonds, trade guarantees and letters of credit to customers
  • Grew client base for bid and performance bonds, trade guarantees, and letters of credit, earning KES 3 million in revenue
  • Tailor making products that fit the customer's need in accordance to the company policy and procedure
  • Maintaining and monitoring of current accounts
  • Risk management

Senior Officer Business Development

Consolidated Bank of Kenya Limited
09.2014 - 04.2022
  • Initiate, develop, manage and maintain relationships with clients for business growth
  • Provide business advice and consultancy to clients in effective manner
  • Improving and maintaining quality of asset book in respect to Portfolio at Risk, by Monitoring effective payments of the loans
  • Provision of bid and performance bonds, trade guarantees and letters of credit to customers
  • Analyzing and reviewing SME, Corporate, Agri-business and Co-operatives working capital loan applications
  • Tailor making products that fit the customer's need in accordance to the company policy and procedure
  • Maintaining and monitoring of current accounts
  • Risk management

Business Development Officer

Co-Operative Bank of Kenya
07.2013 - 09.2014
  • Loan appraisal and analysis of the customer's loan application
  • Tailor making products that fit the customer's need in accordance to the company policy and procedure
  • Maintaining and monitoring of current accounts
  • Financial and business advisory to customers
  • Manage and maintain customer relation
  • Monitoring effective payments of the loans

Micro Credit Officer

Co-operative Bank of Kenya
08.2010 - 06.2013
  • Loan appraisal, Debt collection
  • Presentation of the loan appraisal to the credit committee
  • Financial analysis
  • Growing the micro customer and giving financial advice
  • Educating small groups and assisting them to grow financially

Audit trainee

Mawji Sennik & Associates
07.2009 - 10.2009

Accountant

Value Added Securities
01.2008 - 04.2008

Education

Certified Public Accountant (CPA-K) - Accounting

Kenya Accountants and Secretaries National Examinations Body
Nairobi

Diploma in Credit Management (DCM) -

Kenya School of Credit Management

Bachelor of Arts - Economics and Sociology

University of Nairobi
Nairobi

Kenya Certificate of Secondary Education - undefined

Chogoria Girls High School

Fundamentals of Credit Risk Management -

Chartered Institute for Securities & Investment

Skills

Financial acumen

Accomplishments

  • During the year 2016, I won a recognition as the best in customer service, at Consolidated Bank of Kenya.
  • I won an award from the CEO of Consolidated Bank of Kenya as the 3rd best performer in the bank for the year 2015.
  • In 2013 I won an award for being the 2nd best in maintaining a low Portfolio at Risk in Co-operative Bank of Kenya.

Leadership Responsibilities

  • Chairperson of Jirani Mwema SACCO supervisory committee, 2017.
  • Secretary General of Consolidated Bank welfare.

Personal Information

  • Date of Birth: 02/09/86
  • Marital Status: Married

Internship

  • Audit trainee, Mawji Sennik & Associates, 07/01/09, 10/01/09
  • Accountant, Value Added Securities, 01/01/08, 04/01/08

Community Service

  • Participated in tree planting organized by the Kenya wildlife service.
  • Involved in charity work at Kilifi, organized by the Christian Union.
  • Participated in street visits every Saturday.

Timeline

Relationship Manager

NCBA BANK
04.2022 - Current

Senior Officer Business Development

Consolidated Bank of Kenya Limited
09.2014 - 04.2022

Business Development Officer

Co-Operative Bank of Kenya
07.2013 - 09.2014

Micro Credit Officer

Co-operative Bank of Kenya
08.2010 - 06.2013

Audit trainee

Mawji Sennik & Associates
07.2009 - 10.2009

Accountant

Value Added Securities
01.2008 - 04.2008

Kenya Certificate of Secondary Education - undefined

Chogoria Girls High School

Certified Public Accountant (CPA-K) - Accounting

Kenya Accountants and Secretaries National Examinations Body

Diploma in Credit Management (DCM) -

Kenya School of Credit Management

Bachelor of Arts - Economics and Sociology

University of Nairobi

Fundamentals of Credit Risk Management -

Chartered Institute for Securities & Investment
Ruth Wanja Muthama