Sahara Ahmed
Banker
Nairobi
Summary
Innovative Relationship Manager focused on developing strategic business opportunities by delivering exemplary service to each client's individual needs. Respected professional with exceptional knowledge regarding risk management.
Overview
10
10
years of professional experience
Work History
Assistant Relationship Manager
Gulf African Bank
6 2023
- Support the Relationship manager towards the growth of the revenue
- Monitor the assigned SME portfolio to ensure that Portfolio at risk (PAR) and Non-Performing loans) NPLs are kept within the acceptable levels
- Ensure constant follow up and monitoring of all facilities granted to a customer within the portfolio and ensure that the same are serviced in a timely manner
- Ensure strong cross selling of existing and new products to existing and new client's and in this process maintain effective liaison with all the relevant units within the bank
- Responding to all customer queries as per the agreed Service Level Agreements (SLAs)
- Ensuring that credit files are complete and up to date, with the required back up arrangements(both electronic and hard copy); mirror files should be well maintained at the branch / hubs for ease of reference.
UNIVERSAL BANKER (Customer Service Officer &Teller)
05.2019
- Customer Service Officer
- Account Opening as per KYC procedures
- Maintaining a relationship with the allocated portfolio of clients to grow client deposits
- Grow portfolio Customer base
- Curb quiet defection by clients
- Increase product penetration through cross selling
- Ensure all customer addresses are updated to avoid RTS mail
- Follow up on activation of dormant accounts and funding of overdrawn accounts
- Sign up customers to internet banking
- Conduct the daily triple 1 customer calling solution by ensuring all customers who are one day old are thanked for opening new accounts with the bank ii) one week old are advised of the status of their ordered cheque books and ATM cards iii) one month old are given a courtesy call and encouraged to take up more bank products and services
- Achieve a high customer retention index from portfolio management
- Achieve a set branch customer service satisfaction index
- Process standing order instructions
- Print customer statements
- Ensure adherence to SLA's on all customer processes, requests, complaints etc
- Comply with legal and ethical requirements in managing customer accounts
- Teller
- Accurately and efficiently make cash payments in a way that maximizes customer satisfaction, meeting daily transaction targets
- Preparing cash for repatriation
- Balance currency, coin, and cheques in cash drawers and calculate daily transactions
- Cash, cheques and pay out money after verifying that signatures are correct, that
- Written and numerical amounts agree, and that accounts have sufficient funds
- Receive cheques and cash for deposit, verify amounts and authenticity of currency, and
- Check accuracy of deposit slips
- Examine cheques for endorsements and to verify other
- Information such as dates, bank names, identification of the persons receiving
- Payments and the legality of the documents
- Post customers' transactions in order to record transactions and issue duly stamped receipts for the same and ensure daily balancing
- Process payments for western union, m-pesa, speed cash now etc
- Arrange monies received in cash boxes and coin dispensers according to denomination
- Batching together all entries and filing them
- Ensuring at close of the day the cash tallies to the system balances
- Process Bankers Cheque Transactions
- Custody of payment instruments and PIN Mailers
- Receiving of outward and in-house cheques.
Personal Banker
Gulf African Bank
07.2014 - 04.2019
- Responsibilities
- Grow the Branch Asset and Liability Business
- Grow a quality asset book
- Grow the bank's liabilities
- Drive client/portfolio profitability through:
- Growth in profit income
- O Growth in non-funded income (NFI)
- Ensure efficiency in Facility repayment/debt recovery
- Ensure efficiency in revenue collections
- Manage costs effectively
- Follow up the funding of zero balance accounts
- Client relationship management
- Regular follow ups-with Credit Risk Dept
- CAD and other support Units to ensure timely approval and disbursement of facilities
- Documentation perfection( Maintain Branch mirror file for each application )
- Ensure regular reports to H/O
- Complete disclosure to customers in terms of accreditation, repayment, service fees, profit rate, commission etc
- Ensure that allocated work is processed within the set Turnaround times, therefore meeting the set monthly TAT Targets.
Programme Officer
Gedo Women Development Organization - GEWDO
05.2012 - 05.2014
- Duties and Responsibilities
- Prepare the projects and activities work plan
- Drafts weekly monthly and final reports for the project
- Ensure regular communication is maintained with all MURDO sub-offices, donors and other stakeholders
- Ensure reports are submitted on time to the donors and other stakeholders
- Providing program administrative support to all project staff
- Maintaining and updating Project data base
- Monitor and report the progress, current status, and challenges faced regarding the project activities
- Develop proposals for the program in collaboration with the program coordinator and formulates recommendation for funding
- Attends stakeholder and partner meetings, trainings, and workshops regarding the project
- Responsible for responding all the emails and issues regarding the project.
Direct Sales Executive/Sales team leader
Gulf Africa Bank
04.2009 - 12.2011
- Responsibility
- Pro-actively selling Gulf African Bank Products
- Ensuring that all accounts opened meet the know Your Customer guidelines
- Maintaining good public relations with customers
- Resolving customer issues.
Education
Bachelor of Arts - Development Studies
Mount Kenya University
Nairobi , Kenya 04.2001 -
Diploma - Human Resource
University of Nairobi
Nairobi , Kenya 04.2001 -
Certificate - Personnel Management
University of Nairobi
Nairobi ,Kenya 04.2001 -
Skills
Interdepartmental Collaboration
Accomplishments
- Consistently attained the set sales target.
- Ensured 100% compliance with all required account opening requirements.
- Actively participated in the launch of various bank products.
- Bachelor of Development Studies, Mount Kenya University, 2023
- Diploma in Human Resource, University of Nairobi, 2008
- Certificate in Personnel Management, University of Nairobi, 2007
- Kenya Certificate of Secondary Education, 2005
- Kenya Certificate of Primary Education, 2001
References
- Mohamed Sheikh Abdirahman, Head of Distribution, Gulf African Bank, 0722 782 966, mohammed.sheikh@gab.co.ke, Nairobi
- Jennifer Kiugu, Branch Manager, Eastleigh Sharif, Gulf African Bank, 0723526400, Jeniffer.kiugu@gab.co.ke, Nairobi
- Amina Hassan, Business Analyst, Manager, Gulf African Bank, 0715333820, amina.hassan@gab.co.ke, Nairobi
Training
- Universal Banker Training, 2023
- Islamic Banking Training, 2022
- AML/CFT Training by Financial supporting center, 2019
- SFI Sustainable Finance Initiative by KBA, 2017
- Customer Service by Milestone Resource Solutions, 2016
- Customer Service Training, 2015
- Transformative Leadership by Africa Centre for Transformative and Inclusive Leadership (ACTIL), 2015
- Personal & Team Effectiveness by Raiser Resource Group, 2014
- Customer Relationship Management by KBA, 2013
Timeline
UNIVERSAL BANKER (Customer Service Officer &Teller)
05.2019
Personal Banker
Gulf African Bank
07.2014 - 04.2019
Programme Officer
Gedo Women Development Organization - GEWDO
05.2012 - 05.2014
Direct Sales Executive/Sales team leader
Gulf Africa Bank
04.2009 - 12.2011
Bachelor of Arts - Development Studies
Mount Kenya University
04.2001 -
Diploma - Human Resource
University of Nairobi
04.2001 -
Certificate - Personnel Management
University of Nairobi
04.2001 -
Assistant Relationship Manager
Gulf African Bank
6 2023
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