Muriithi Moses

Experience

• 

  Co-operative Bank of Kenya

  Jan 2005 - Jun 2008

  Micro Credit Officer

  Key Responsibilities:• Aggressive marketing of bank products - quality accounts, credit cards, mobile banking, personal, business, institutional loans.• Receive potential clients and conduct initial assessment to ascertain eligibility for bank products.• Schedule interviews at clients place of business and residence to gather necessary information to complete loan application.• Appraise the loan application and complete all the required forms associated with the loan appraisal (loan application, reference forms, loan analysis checklist.• Decline loan, or present to Branch Loan Committee for approval• Upon approval, create the loan by completing all the required documentation and opening the account on the computer system. Advice the customer accordingly if the loan is declined• Aggressive follow-up accounts in arrears to ensure that arrears position remains at the recommended level• Submit daily arrears report to the branch manager• Submit report of all loans approved/disbursed, during the prior week the Branch Manager every Monday• Compile and submit end of month production reports- revenue returns, income and expenditure statements. Show less

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  Kenya Commercial Bank Ltd

  Jun 2008 - Mar 2012

  SME Relationship Manager

  Key Responsibilities:• Execute sales of SME assets, Liabilities and other product types as per targets allocated by the Branch Manager.• To deal with customer queries, requests, instructions, suggestions/service feedback and dissemination of information on bank products to both existing and potential customers.• Facilitate the branch’s Service Delivery to customers.• Deal primarily with SME accounts.• Selling bank products to new customers and cross selling to existing customers.• Handling establishment of new account relationships, Variations to the existing relationships, Initial stages of credit matters, and Dissemination of information relating to the Bank’s Products & Services.• Deposit mobilization for the bank• Extending support and guidance to Customer Care Representatives.• Leadership of the Branch’s customer service.• Credit cards/debit cards inquiries and encashment.• Collect information from customers relating to account relationship.• Initial interview of customers who require financial assistance/facilities and direct them accordingly ensuring that relevant supporting documents are obtained.• Doing Business banking returns, Customer care returns, Sales returns, and relevant areas of the Executive Summary.• Annual branch budget relevant areas.• Sales calls and market intelligence gathering.• Receive and solve or escalate both verbal and written customer complaints noting to record them in the customer complaints register.• Receiving, guiding and doing initial appraisal of loan applications• Offering information on check-off loans, receiving applications, Appraising & Dispatching them to CRU-H/O, and Guiding & Witnessing acceptance of terms of credit on offer letters.• Completing of the advances facilities books (date applied, approved/declined, date letter of offer signed, date draw down made, etc).• Undertaking regular customer calls/visits for customer needs identification, obtaining feedback and cross selling bank products. Show less

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  KCB Bank-South Sudan LTD

  Apr 2012 - Dec 2018

  Corporate Relationship Manager

  Key Responsibilities:• Principal point of contact for the Bank’s relationship with corporate liability and institutional banking customers with key focus to the Non-Profit and Non-Bank Financial Institutions business segments e.g NGOs,Donors and United Nation agencies.• Business development – managing and retaining existing relationships and generating new business in the assigned market segments by providing core banking products and services. This include increase in customer base, growth in balance sheet (assets/liabilities & contingent liabilities- mainly in LCY), growth in earnings, increased facility utilization and actively cross-selling bank products and services• Relationship management - effectively perform Account Relationship Management tasks to ensure the customer relations are maintained well to reduce complaints and also retain existing customers by management of customer expectations.• Develop strategies for maintaining and further penetrating existing client base and execute the strategy through calls, visits, needs assessment, account plans, customer qualification and follow-up meetings to maintain, enhance and expand customer relationships• Risk Management - Consistency in adherence to and application of established policies, processes, and tools to achieve optimal efficiency, compliance and cost containment. Minimization of exposures to and impact of risks associated with client portfolio in line with Bank credit policies, BOU regulatory requirements, KYC and AML policies.• Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements.• Maintain the quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.-Ensure timely preparation of relevant reports and daily monitoring of accounts to ensure facilities have accurate interest rates, are within the approved limits, and taking remedial actions in line with policy. Show less

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  KCB Bank Kenya Ltd

  Jan 2019 - now

  Advantage Relationship Manager

  Key Responsibilities:• Drive profitable revenue and volume growth from a portfolio of HNW customers with a focus on new acquisitions, deepening of existing customer relationships and cross selling thereby increase market and customer share of wallet within KCB.• Achieve agreed sales targets for new accounts, assets and liabilities by establishing/recruiting new banking relationships, managing and growing existing banking relationships with the high net worth individuals who may include senior management of different corporate companies, local political figures and well known business people.• Conduct a detailed needs analysis for all existing and potential customers to determine their financial planning needs through proactive calling and customer visits program, and compile reports including names of customers called, meetings held and cross sell opportunities identified and followed through for closure to determine personal sales progress against agreed targets.• Working with Branch Managers or Advantage Centre Manager, manage and execute innovative micro – marketing plans in the Branch or Centre. Be the Advantage Banking Champion in the branch and region in order to create customer product awareness and offer financial advisory services based on the proposition.• Manage Advantage customer requests and transactions in compliance to KCB operational guidelines and procedures with zero tolerance to operational risk and frauds.• Manage advantage customer portfolio at risk and, monitor account migration and provisions to ensure that they are within set acceptable business levels.• Keep current on business trends and competitor offerings by gathering market intelligence on loans and accounts to maintain a competitive edge. Create a lead base of external target market through networking, customer referrals and attending social events, seminars, trade shows and Industry events.• Resolve to closure customers complaints. Show less