Experience

Access Bank (Kenya) PLC

• Kenya
• Banking
• 1 - 100 Employee

• Relationship Manager-Commercial Banking

  • Dec 2022 - Present

  -Managing and sustaining a portfolio of corporate and commercial customers, building long term relationships founded on efficient and reliable support for their businesses and achieved through quick risk decisions and managing consistency and quality of operational service. -Business growth and Development in the areas of risk assets, liabilities, forex income and non funded business (trade finance) and customer growth so as to increase wallet share -Identifying priority customers and gathering all the required information that is needed to prepare and assess credit applications -Controlling and managing the quality of the assigned portfolio using available triggers and adherence to Risk management guidelines and policies laid down -Market research, creating, and following up on a target list for potential new business Show less



Efken Leasing Limited-Kenya; (Equity For Africa Group, Mauritius)

• Business Growth and Development Manager-SME's -Agri-business & Value Chains

  • Jan 2022 - Nov 2022

  • Business growth by generating profitable revenue & volume growth thru supporting of MSME's new business & retention of existing business of assigned accounts .Offering Technical Assistance to the MSME's thru training, capacity building, financial management & assisting in building viable business plans so that they can become bankable & investment reafy • Developing a strong quality lease book- business by engaging top agribusiness & MSME’s, setting consistent weekly meetings with small holder farmers thru event networking & cold calling • Developing strategy & forming a comprehensive ecosystem of partners, including industry influencers & significant accounts, & supporting Agribusinesses in the SME space to upscale up in strategic development ,business planning, financial modelling & fund raising • Member of team working on creating strategic business partnerships and alliances with institutions such as USAID-Kenya Investment Mechanisms, Eastern African Grain Council, Cereal Growers Association, Kenya National Farmers Federation Corporation, Agricultural Finance Corporation, Kenya Seed Company, Agricultural Input Suppliers & Famers Associations among others, • Developing Agribusiness opportunities &creating profitable business models for new products &services for Efken Leasing Ltd through deal sourcing/origination, structuring & customizing financial solutions • Forging next level business development tactics & building lucrative pipeline of opportunities & executing key marketing plans & events with Farmers & the SMEs in the value chains • Building & maintaining healthy relationships with Agribusiness & MSME’s channels mostly in the line of Agribusiness and Value chains • Providing financial solutions to small holder farmers to acquire various farming equipment &assets and be able realize their growth plans as well as to scale up • Supporting the business development &partnership team in designing cost effective innovative and sustainable programs Show less



Vimcape Capital

• Senior Relationship Manager SME

  • Nov 2019 - Dec 2021

  •Working closely with the SME and Corporate departments to facilitate communication and deliver personalized solutions to customers. •Monitoring issues carefully and reach out to customers to providing immediate resolution and maintaining satisfaction. •Generating new business and referral clients in partnership with financial advisors and branch team. •Developing and cultivating lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills. . Growing income through different streams and to maximizing profits through prudent cost management • Worked with credit and risk department to ensure that environment and social due diligence is conducted within the lending processes. • In conjunction with risk department, i identified all key potential social and environmental impacts and risks of transactions and ensure that their magnitude and significance are well understood by and mitigated within the Bank. • Ensure that the institutions customers in all segments (retail, SMEs and corporate) understand the applicable ESG policies, guidelines and project-specific requirements, and have the necessary commitment and capacity to manage social and environmental impacts and/or risks adequately and supported by mechanisms that facilitate implementation. • Collaborated with finance, strategy and risk departments in developing sustainable finance risk tools, development of ESG risk frameworks, sustainability reports and global initiatives on climate risk credit modelling, • I was responsible for embedding ESG and climate risk within the institutions lending policies, ESG risk appraisal tools and appropriate monitoring and reporting frameworks. • Worked with Finance and Strategy department and other stakeholders to mobilize technical and financial support to enhance the environmental and social sustainability of operations, adding value to operations, including through external expertise where deemed necessary. Show less



Rafiki Microfinance Bank

• Kenya
• Financial Services
• 200 - 300 Employee

• Relationship Manager-SME Business Banking | Acting Branch Manager

  • Feb 2017 - Oct 2019

  •Championed sales, business growth and development of both assets and liability book and growth of income in different areas- forex, non funded . Spearheaded growth of Trade finance income (non funded business)-LC's, performance bonds, bind bonds, advance payment guarantees, Documentary letters of Credit etc . Deal origination, packaging of credit and business proposals for approval from end to end while keeping a keen look at credit compliance to policies and procedures . Training of branch staff on the administration of all bank products and credit appraisal techniques to ensure quality is not compromised and improve on turn around time . Handled and resolved customer complaints within a 24 hour period to mitigate loss of business .Assessed expansion plans and presented costs to forecast trends and recommend changes thereby achieving a one-digit PAR. •Boosted branch sales by gaining a sustainable cheap liability book of 600 million after developing and deepening customer loyalty through incentive programs •Gathered and reviewed customer feedback to improve operations. •Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations. •Oversaw the training and management of credit to staff to ensure that loan facilities comply with credit administration standards and policy. Show less



Family Bank Ltd

• Kenya
• Banking
• 700 & Above Employee

• Credit Relationship Manager | SME

  • Aug 2014 - Nov 2016

  •Spearheaded sales and growth of business both assets, liabilities and other income streams like non funded, forex, and alternative business channels products across the bank. •Championed the growth of branch income to the tune of Kes 250M through customer centrism, business relation management, strong networking. . Doubled customer growth (CASA) that translated to increased transaction business income . Cross selling all bank products to both new and existing clients in an effort to grow wallet share . Managed the quality of the loan book of Kes4 Billion by one digit PAR of less than 5% through proper risk management and collection strategies .Aggressive training of branch staff in handling customer complaints and credit appraisal and also administration of all bank products both funded and non funded . Ensured asset quality loan book is maintained through daily monitoring of the loan book . Achieved gold rating as a result of ensuring full compliance to credit policies and procedures laid down in the administration of the loan and credit products at any give time. •Implemented low-risk investment policies for clients and banks thereby increasing revenue and client base. •Arranged potential client contacts, cultivated relationships, and followed through with all service needs via project valuation. Show less



First Community Bank (Sharia'h Compliant Banking)

• Head- Credit Collection and Recoveries

  • 2010 - 2014

  •Maintained the department organizational structure sufficient to meet all goals and objectives. •Credit risk management through management of portfolio at risk-PAR at optimal levels of 0-5%. •Documented collections and recoveries of non performing loans for the bank •Facility work outs through Restructuring and rescheduling of bad debts for approval at Management credit committee •Streamlined processes for early identification of potential credit systems and monitoring problems. •Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures. .Representation of he bank on litigation matters related to debt portfolio .Proper management of the loan loss provisions through aggressive collections and recoveries of NPL's .Negotiation of repayment plans with clients reported with the non performing loans .Assisted branches through training of credit officers in debt collection and recovery strategies and management of their specific NPL portfolios . Preparation of recoveries and debt collection reports to the management financing and Executive committees Show less



African banking Corporation-Kenya

• Credit Administration Officer

  • May 2010 - Oct 2010

  •Ensured that quality Credit & legal audits were conducted on all deals prior to presentation to the bank management. •Oversaw the accuracy of transactions and inclusion of additional requirements to mitigate risks and exclude CPs that is non-relevant or non-executable. •Ensured that the collateral is reviewed, independent valued and meet all policy requirements. .Timely Preparation and presentation of Management and Central of Kenya end month reports to the bank management . Timely preparation and reporting of minimal provisions for all non performing loans to the management especially EXCO and ALCO committees .Ensured all system entries related to credit are approved before close of the business (EOD) .Ensured Compliance to credit procedures and processes before disbursement of loans .Safe custody, Proper filing,record keeping and retrieval of all security and collateral documents for customers . Ensured proper quality of the loan book through tremendous collection and recoveries of bad debts . Conducted credit training to the branch credit staff on the best strategies to adopt in respect to the management of the quality in terms of PAR for their respective loan book portfolios . Show less



Equity Bank Limited

• Financial Services
• 700 & Above Employee

• Credit Risk Analyst

  • 2009 - 2010

  •Led the project of creating relationship scores for retail banking customers, realizing incremental of loan book volume to 700 M, PAR one-digit figure 3%, and liability deposits by 600M.•Spearheaded the development of risk management dashboard to track the performance of automated credit decisions and new strategy implementation; Enhanced communication and relationships between risk management department and marketing department.•Effectively managed a daily pipeline of 8-12 loans to maintain service level agreements with internal business partners.•Managed to assign increasingly difficult loans due to proven demonstrated skills. Show less

• Credit Administration Officer

  • 2008 - 2009

  •Evaluated the risks associated with Individual, Micro and SME, products and borrowers and also in terms of credit and operations.•Appraised and made recommendations on credit proposals and ensuring compliance with the Institution’s Credit Policy, procedures, and Service Level Agreements.•Authenticated documentation presented for all credit applications and ensuring that they meet the KYC requirements.•Vetted and analyzed collaterals/securities provided for approved facilities against facility letter’s terms and conditions of agreed covenants for Individual, Micro, and SME customers. Show less

• Relationship officer- Credit SME

  • 2007 - 2008

  ◾Sales-Business growth and development in the area of assets, liabilities, funded & non funded income, MTS, Forex, Bancassurance◾Management of the quality of the loan portfolio-PAR◾Growth of customer base in numbers-CASA◾Deal origination and execution of customised financial solutions◾Customer service and Relationship management◾Cross selling all bank products to both new and existing clients◾Maintenance of a healthy business pipelines and ensuring actualization of the same◾Reporting SME deals in pipeline, PAR, Bancassurance,◾Ensuring profitability of business◾Prudent cost management and revenue maximization◾structured trade finance as a way of mobilizing cheap deposits◾Full securitization of all deals Show less



Ipsos

• France
• Market Research
• 700 & Above Employee

• DAT

  • 2005 - 2006

  •Assisted in the formulation of data processing procedures and automation for greater efficiency. •Provided insight and advise to the research teams regarding data processing. •Performed additional analysis where appropriate. •Ensured that data is in a suitable format for use by the internal as well as external clients. •Assisted in the formulation of data processing procedures and automation for greater efficiency. •Provided insight and advise to the research teams regarding data processing. •Performed additional analysis where appropriate. •Ensured that data is in a suitable format for use by the internal as well as external clients.