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
NairobiDiploma in Credit Management (DCM) -
Kenya School of Credit Management
Bachelor of Arts - Economics and Sociology
University of Nairobi
NairobiKenya Certificate of Secondary Education - undefined
Chogoria Girls High School
Fundamentals of Credit Risk Management -
Chartered Institute for Securities & Investment
Skills
Financial acumen
Market analysis
Client identification
Credit training
Debt collection
Securities
Mortgage
Credit analysis
Trade finance
Asset finance
Emergency response
Customer requirements
Bespoke solutions
MS-Word
MS-Excel
MS-Access
MS-PowerPoint
Internet
QuickBooks
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