Victor Manyindo Maganga
Relationship Manager
Mombasa,30
Summary
To provide quality professional service guided by the values of: Integrity, professionalism, efficiency and teamwork where my competencies and experiences can be utilized to achieve both organizational and individual goals. While in pursuit of these goals, my team-spirit, leadership-skills, creativity and integrity will be harmonized with others to achieve and surpass team and individual targets. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
15
15
years of professional experience
17
17
years of post-secondary education
Work History
Trade Finance Specialist and Sales Consultant (Freelance)
Euro Exim Bank
02.2024
- Business Growth and Development in Kenya
- On boarding of new customers
- Structuring Trade Finance Solutions
- Marketing and Cross-selling Bank’s products
- Relationship Management
- Customer Experience.
Branch Relationship Manager
Family Bank Limited
12.2019 - 01.2024
- Business Development
- Ownership of the credit loan book in liaison with the branch manager
- Providing branch-based financial products & services, follow up on pipeline of leads and to grow branch customer base through pro-active sales activities
- Providing leadership to the Relationship officers at the branch level
- Overseeing the credit control function at the branch by enforcing adherence to the credit policy and procedures
- In charge of the branch loan book and collections
- The custodian of a comprehensive set of Credit Risk Policies and Procedures at the branch; as well as recommend any necessary changes in the credit policy to senior management
- Meeting Business Banking sales targets both in number of accounts and volume and deposits through cross selling to existing customers and acquiring new customers
- Generating new customers/ new company’s referrals from head office, existing customers, or personal connections
- Preparation of target audience/lead lists and sales activities plans; implement and fill in accurately sales activities reports
- Conducting daily sales calls from prioritized lead lists with the objective of scheduling companies visits / customer’s meetings with the objective of acquiring new customers /selling bank products
- Receive, verify, and certify against original; all account application documents and forms from customers
- Ensure compliance with the Data Protection laws, policies and procedures of the Bank
- Checking and verifying the accuracy, completeness of the documents against the checklist provide according to product lines; KYC/AML compliance requirements
- Follow up on accounts and products opening and process on system
- Communicate to customers on accounts approval, deferrals or decline
- Handling and monitoring customer enquiries and complaints effectively to ensure retention and loyalty
- Role Models the Brand and Corporate Values of the Bank both internally and externally
- Working as part of a team for the purpose of winning together
- Championing other bank products in the Wash, Agribusiness and ESG sector.
Relationship Officer - Trade Finance Coast Region
Family Bank Limited
04.2019 - 11.2019
- Implement the Trade Finance strategy in line with the overall bank’s strategy in the Coast Region
- Ensure achievement of profitability targets through revenue maximization and prudent cost management
- Build and maintain productive and strategic relations with customers to drive the development and delivery of business solutions and revenue growth in the branches
- Prospect for new to bank clients in the coast region and offer innovative and customized business solutions to grow the client base
- Champion the delivery of consistent and seamless customer service to ensure customer retention and loyalty
- Provide leadership to branches in Coastal region and continuously develop a high performance in the region within Trade finance
- Develop, implement and manage a range of innovative Trade Finance products and solutions so as to meet customer requirements and achieve business objectives
- Enhance the uptake of Family Bank’s Trade Finance products and services by existing and new clients by providing technical product expertise and conducting joint calls in partnership with other relevant business units in the bank
- Track customer and competitor activity; analyze relevant market and industry data to identify opportunities for innovation and business growth
- Ensure timely submission of quality trade finance credit proposals in conformity with the Credit Policy guidelines by branches
- Periodic training of staff on trade products, review of existing products and platforms to enhance their offering in the market to ensure product continuously yields expected benefits
- Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
Business Banker
Family Bank Limited
11.2014 - 03.2019
- Credit risk assessment (Credit vetting committee)
- Loan appraisal and business evaluation through client visits
- Security perfection in liaison with legal department
- Preparing reports on disbursement and repayments for the regions
- Supervise credit administration staff
- Facilitate service providers such as debt collectors and lawyers (legal recovery)
- Delinquency management through follow-up by calls and emails
- Drafting and sending of defaulter’s notices
- Special Duties: Branch Communication Champion
- Branch Customer Service Champion and Fuzu Sparker
- Manage the relationship between head office and branch champion for Trade Finance
- Training of fellow staff on Trade Finance.
Senior Relationship Officer - SME
Faulu Micro Finance Bank
12.2012 - 10.2014
- Portfolio growth and management
- SME loan underwriting/processing
- Client SME education and periodic SME training to branch staff
- Default and delinquency management
- Maintenance and management of SME networks.
Regional Supervisor - Debt Recovery Unit
Equity Bank Limited
07.2012 - 12.2012
- Managing the 11 Equity Bank branches in Rift Valley region with the assistance of Micro Credit Debt Collection Officers and Relationship Officers of each branch
- Guiding Micro credit officers in issuing demand letters to default cases
- Recoveries of loans in arrears especially the Non Performing advances
- Ensuring a high quality asset portfolio
- Liaising with external debt collectors and auctioneers in recoveries.
Relationship Officer-Micro Credit
Equity Bank Limited
07.2009 - 06.2012
- Conducting loan appraisals and customer visits
- Loan appraisals for Micro, Consumer and agriculture departments
- Preparing of loan cases for branch committee
- Maintenance of loans in the system
- Perfection of securities
- Loan disbursements and follow up
- Recoveries of loans in arrears
- Relationship management and marketing other banks’ products.
Relationship Officer-Cash
Equity Bank Limited
11.2008 - 06.2009
- Receiving cash and making payments to customers
- Batch proofing of daily cashier’s reports
- Forex trading
- Reporting on teller’s productivity during branch meetings.
Education
Masters of Business Management - undefined
Faith Leads University (Florida USA)
01.2023 - 05.2024
Bachelors of Business Management (Second Class Upper Division) - undefined
Mount Kenya University
01.2011 - 04.2013
Advanced Diploma in Networking - undefined
Top Institute of Technology
01.2005 - undefined
Diploma in Information Technology, Diploma in Networking - undefined
Top Institute of Technology
01.2004 - 04.2005
Kenya Certificate of Secondary Education - undefined
Kenyatta High School (Taita – Mwatate)
01.1998 - 04.2001
Masters of Business Management - undefined
Faith Leads University (Florida USA)
01.2023 - 05.2024
Bachelors of Business Management (Second Class Upper Division) - undefined
Mount Kenya University
01.2011 - 04.2013
Advanced Diploma in Networking - undefined
Top Institute of Technology
01.2005 - undefined
Diploma in Information Technology, Diploma in Networking - undefined
Top Institute of Technology
01.2004 - 04.2005
Kenya Certificate of Secondary Education - undefined
Kenyatta High School (Taita – Mwatate)
01.1998 - 04.2001
Skills
Communication
Accomplishments
- Awarded a trophy for best performance in Rift Valley, Nyanza and Western during the third quarter of financial year 2011 at Equity Bank Limited
- Maintained the best PAR and loan book growth while in Faulu Micro Finance Bank in Kitale branch
Religion
Christian
Hobbies
Making friends, Reading, Travelling and Mentorship
Other Trainings
- Credit Management – Kenya School of Credit Management 23rd to 25th November 2022
- Climate Related Risk Management by KPMG 3rd November 2022
- Agriculture Finance 12th to 14th October 2022 by Family Bank and Eco Business Fund
- Salesforce Development program by Strathmore University Business School 6th to 8th June 2022
- Credit Risk Appetite, Management Frame Work & Customer Types - FBL online training 2022
- Fraud Awareness Training - Family Bank online training 2022
- Treasury Training - Family Bank online training 2022
- Forex Training - Family Bank online training 2022
- Diaspora banking Training - Family Bank online training 2022
- Cancer Awareness Training - Family Bank online training 2022
- Safeguards and Risk Management Training - Family Bank online training 2022
- Customer Experience Training - Family Bank online training 2022
- Financial Crime Training - Family Bank online training 2022
- Pesapap Training - Family Bank online training 2022
- Credit Card Training - Family Bank online training 2022
- AML, KYC, EDD and CYT TRAINING - Family Bank e-learning 2020
- Operation Training - Family Bank e-learning 2020
- Loan Problem Management by European Investment Bank in 2018
- Customer Service Management by European Investment Bank in 2018
Key Attributes And Competencies
- Good Knowledge of CBK Prudential Guidelines
- Strong analytical and problem solving skills
- Excellent planning skills
- Goal oriented with ability to work under minimal supervision
- Excellent interpersonal skills
- Excellent and effective communications skills, both orally and in writing
- A Team player with Strong: Project Management, marketing and sales skills
- Social/outgoing and demonstrates high standards of integrity
- Grounded in Relationship Management and leadership
Personal Information
- Date of Birth: 05/25/83
- Gender: Male
- Nationality: Kenyan
- Marital Status: Married
References
- Mr. Miller Ochieng Abudu, Branch Manager, SBM Bank Mombasa – Nyerere Avenue branch, +254721 810177
- Mrs. Rebecca Ndungu, Branch Manager, Equity Bank, Kengeleni Branch (Mombasa), +254721 263388
- Mr. Noah Sikuku, Branch Manager, NCBA Bank Bungoma Branch, +254721 782851
Timeline
Trade Finance Specialist and Sales Consultant (Freelance)
Euro Exim Bank
02.2024
Masters of Business Management - undefined
Faith Leads University (Florida USA)
01.2023 - 05.2024
Masters of Business Management - undefined
Faith Leads University (Florida USA)
01.2023 - 05.2024
Branch Relationship Manager
Family Bank Limited
12.2019 - 01.2024
Relationship Officer - Trade Finance Coast Region
Family Bank Limited
04.2019 - 11.2019
Business Banker
Family Bank Limited
11.2014 - 03.2019
Senior Relationship Officer - SME
Faulu Micro Finance Bank
12.2012 - 10.2014
Regional Supervisor - Debt Recovery Unit
Equity Bank Limited
07.2012 - 12.2012
Bachelors of Business Management (Second Class Upper Division) - undefined
Mount Kenya University
01.2011 - 04.2013
Bachelors of Business Management (Second Class Upper Division) - undefined
Mount Kenya University
01.2011 - 04.2013
Relationship Officer-Micro Credit
Equity Bank Limited
07.2009 - 06.2012
Relationship Officer-Cash
Equity Bank Limited
11.2008 - 06.2009
Advanced Diploma in Networking - undefined
Top Institute of Technology
01.2005 - undefined
Advanced Diploma in Networking - undefined
Top Institute of Technology
01.2005 - undefined
Diploma in Information Technology, Diploma in Networking - undefined
Top Institute of Technology
01.2004 - 04.2005
Diploma in Information Technology, Diploma in Networking - undefined
Top Institute of Technology
01.2004 - 04.2005
Kenya Certificate of Secondary Education - undefined
Kenyatta High School (Taita – Mwatate)
01.1998 - 04.2001
Kenya Certificate of Secondary Education - undefined
Kenyatta High School (Taita – Mwatate)
01.1998 - 04.2001
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