Experience

• 

  Gulf African Bank

  • Nairobi County, Kenya

  • Relationship Manager - SME

    • May 2023 - Present
    • Nairobi County, Kenya

    Roles:• Develop effective strategies to manage customer relationships, anticipate customer needs and provide a superior quality service to position GAB as the market leader in this segment• To build and maintain productive and strategic relations with customers/ line manager/ stakeholders to drive the development and delivery of business solutions and revenue growth for the assigned sectors• Build existing and win new long-term customer relationships• Keep abreast of external factors influencing business e.g. economic, procedural and regulatory requirements• Ensure timely and accurate maintenance of customer and deal pipeline information as required• Monitor relationship performance regularly to ensure that the return is commensurate with the type of customer• Take timely and proactive corrective action to mitigate potential losses, exercising effective portfolio stewardship and control• Ensure strong cross-selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the bank• Filing concise, but informative, call reports after customer visits (these should specify topics discussed, customer needs/ feedback, potential product needs, next steps, credit-relevant information etc.).• While focusing on his/her current portfolio, the Relationship Manager should work with the SME Leadership to provide input/ feedback on the Bank’s overall approach/strategy to the segment in the region. This would include providing input on how the Bank’s products and services could be enhanced to better meet customer needs, and providing the required information and support to the Product Development Team to develop, test and launch

• 

  Premier Bank

  • Somalia
  • Banking
  • 200 - 300 Employee

  • Relationship Manager - Business Banking

    • Oct 2021 - Apr 2023

    • Prepare and Ensuring all financing proposals are solid, correct and consistent with Bank’s established policies/procedures and are within the Sharia’ guidelines and CBK prudential guidelines.• To prepare and submit all reports that may be required by the management summarizing individual and team loan activity.• Scrutiny of all required documents for the credit facilities i.e. Check for:o Customer’s application letter and required documentso Company and Individual KYC documentso FLP (Financing Line proposal)• Maintain record and track of the facility applications.• Establish growth of SMEs portfolio (NFI, deposits and assets) through the acquisition of new bank customers.• Actively generate referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.• Effectively manage and expand the relationships with existing SME banking clients and bringing in new business from existing portfolio so as to ensure business growth and continuity.• Grow SME portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships.• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Manager.• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs.• Assist in collaborating with product specialists, to deliver effective customer solutions

  • Business Officer

    • Oct 2017 - Sep 2021

    • Develop cost effective, long term asset and liability business with companies and organizations of repute in order to ensure the Bank’s maximum profitability;• Act as key consultant to client’s senior management, providing them with the evaluation and implementation of financing strategies or structures.• Maintaining adequate relationship contact with assigned customers to ensure their expectations are managed and that they have appropriate understanding of FCB.• Anticipate and be continually sensitive to the shifting customer expectations and initiate appropriate measures to ensure that FCB stays ahead of competitors in rendering customer service;• In liaison with the branch managers handle transactions for corporate customers on a day to day basis always ensuring the bank is not unduly exposed.• Continually Identify and exploit cross selling opportunities that embed the bank and its products with the customers’ needs.• Identify and develop a dynamic target pipeline and market for new profitable and/or status customers from the identified target sectors;• Evaluate loan applications for all new borrowers applying for Branch loans • Identify and report potential fraud flags• Handle refunds, repayments, and other payment processes• Update documentation related to loan review and payment processes• Ensure compliance to Know Your Customer (KYC) and Anti Money Laundering (AML) requirements in all dealings with existing and potential customers.

• 

  Kingdom Bank Limited

  • Kenya
  • Banking
  • 400 - 500 Employee

  • Relationship Officer

    • Jan 2017 - Oct 2017

    • Proactively develop client relationships, anticipate and provide financial solutions to client needs and give high priority to client satisfaction• Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments majorly credit and operations• Accurately assess the risk profile, suitability and appropriateness of clients when appraising them for credit applications and marketing products and services by maintaining an accurate and up to date call reports and KYC database• Research and maintain knowledge to ensure adherence with all applicable regulatory requirements and Compliance policy and procedures, and adhere to all such standards.• Develops and maintains relationships with new and existing clients in order to capitalize on opportunities to cross-sell bank products and services to existing and potential clients.• Proactively develop client relationships, anticipate and provide financial solutions to client needs and give high priority to client satisfaction• Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including credit and operations• Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report, KYC database• Research and maintain knowledge to ensure adherence with all applicable regulatory requirements and Compliance policy and procedures, and adhere to all such standards.• Develops and maintains relationships with new and existing clients in order to capitalize on opportunities to cross-sell JBB products and services to existing and potential clients.

  • Portfolio Analyst

    • Jul 2015 - Dec 2016

    • Monitoring of Loan Portfolio quality• Coordinating arrears collection within the department and with branches• Monitoring Loan repayments to ensure PAR remains within the recommended 3%• Issuance of Arrears notices and Demand notices.• Forward Files to Credit and Legal department for debt recovery initiatives• Preparation of daily, weekly and monthly Loan Monitoring Reports

  • Personal banker

    • 2014 - Jun 2015

    • Identify and sign-up salary and bulk processing MOU’s• Drive growth in liabilities through cross-selling various bank accounts• Drive growth in deposits through deposit mobilization• Provision of excellent customer service and banking operations with the stated service level agreement.• Drive growth in assets through identifying and signing up loan check-off schemes with SME’s, government institutions and bodies to drive personal and mortgage loan uptake.

• 

  International centre of technology

  • THIKA

  • Assistant Lecturer

    • Jan 2014 - Jul 2014
    • THIKA

    -Teaching economics development, CPA and Business units.-Advise administration on the books and facilities to buy in the business department.-Come up with marketing strategies to promote the college.

• 

  Githambo tea factory

  • attachee

    • Jan 2011 - Jul 2011

    bank reconciliationpayroll processingprocurement and order operationsaccounts management

• 

  Theri sec sch

  • teacher

    • Sep 2008 - Aug 2009

    scouts patronform three classteachertaught maths, chem and biology.