Customer Service Cash Management
Resume:
CURICULUM VITAE
LEONARD MUNGE MWANGI
P.O. BOX 217**-***** NAIROBI, KENYA
TELEPHONE: +254-***-***-*** / +254-*********
EMAIL: *******.*****@*****.***
PERSONAL INFORMATION
DATE OF BIRTH:
NATIONALITY:
LANGUAGE:
MARITAL STATUS:
23RD NOVEMBER 1972.
KENYAN.
ENGLISH AND KISWAHILI.
MARRIED
EDUCATION BACKGROUND:
2005 - Financial Management Diploma of Association for Business Executives [ABE]
2002- Business Administration Diploma for Association of Business Executives [ABE] LONDON
1993- Kenya Certificate of Secondary Education [KCSE] -grade C minus at Kangema High School.
1989-Kenya Certificate of Primary Education at Kianderi Primary School.
Additional Courses in work and Professional Development:
Certificates of MS-Windows, Ms-word, Ms-excel, Ms-access, Ms- PowerPoint, Ms-Outlook, Page Maker, Quick Books
Operation of Bank Software - Bank2000, Realm Version3, T24 and Finacle Banking Core, insta, Navision software
Cash Management - Association of Kenya Institute of Bankers [A K I B] Customer Service / Law relating to banking and Finance- Total Quality Training Institute [T Q T]
Credit management- Kenya school of monetary studies[ ksms
SUMMARY OF JOB EXPERIENCE AND SKILLS
Cashier, customer service, micro credit department[s m e], Cashier
Corporate and retail credit administration,agricultural lending, product review
Marketing, investment, cash management - Call & Fixed deposit management
Credit analysis and appraisal, collection, recovery, security perfection
Portfolio classification.
PROFESSIONAL EXPERIENCE
CREDIT CONTROLLER - CHECKUPS MEDICAL CENTER
NAIROBI FROM 2023- UPDATE
UPTO DATE
DUTIES AND RESPONSIBILITIES
1
Monitor and deliver credit invoices to all credit customers. Make collection calls.
Prepare and maintain various reports.
Maintain an accurate aging report.
Maintain up-to-date records in system.
Collection and allocation of payments.
Carry out billing, collection and reporting activities according to specific deadlines. Reconciliation of accounts.
Monitor client account details for non payments, delayed payments and other irregularities.
Follow established procedures for processing credit applications, adjustments, checks, Investigate and resolve customer queries.
Communicate with internal personnel and clients via phone, email, mail or personally Submit delinquent accounts to collections, as needed.
CREDIT CONTROLLER- KAREN HOSPITAL LTD NAIROBI 2011-2020 DUTIES
Preparation of statement.
Reconciliation of accounts
Allocation of the invoices
Monitor and deliver credit invoices to all credit customers
Investigate and resolve customer queries
Maintain an accurate aging report
Monitor any non-payment account and take action
CREDIT ADMINISTRATOR AT IMARA SACCO FROM 2008 TO 2011
Recommend/approve appropriate facilities, risk mitigants, structures, terms and conditions for the Sacco’s credits after appropriate analysis.
Undertake independent third party risk analysis of credits and make appropriate recommendations.
Ensure that front line managers and customers receive quality service and quick response to their requests while at the same time keeping all such exposures and/ or credits in line with the Sacco’s risk appetite.
Ensure that all credit requests comply with the Sacco’s credit policy and procedure.
Ensure that relevant credit approval procedures and processes are complied with at all times.
Effectively coordinate the activities of the members of the credit department to ensure that performance targets are achieved.
CREDIT ADMINISTRATOR AT EQUITY BANK FROM 2003 TO 2006 Key achievements
Managed regional branches with over 20,000 account holders with a base of Kenya shillings 900million cash deposit and loans Kenya shillings 500million 2
Managed thirty members of staff
98% loan recovery
Duties and responsibilities:
Ensure credit appraisals and approvals are done in line with banking policies Develop and review credit facilities and products to suit current market. Conduct credit monitoring of regular/ irregular loan accounts. Build and deepen relationships with existing customers to achieve increased share of wallet value and revenue.
Ensure that branches meet their budget in terms of quality and performance. To liaise with legal department over credit matters as far as security documentation, agreements and offer letters are concerned
Review unauthorized commitments, overdue/ past due exposures, and abnormal conduct of accounts.
Provide effective leadership, guidance and training to reporting employees Review and follow up on expired facilities/files.
Prepare various reports as per management and central bank requirements Maintain updated departmental files and records.
Ensure all credit compliance requirements are met as per credit manual and policies. Monitor market and competitor activity for new customer acquisition and increased bank market share.
Monitoring credit risk of entire portfolio.
Ensure loan product mix thus to reduce the risk to the business. Ensure quality service delivery in the department.
CREDIT ANALYST AT EQUITY BANK FROM 2000 TO 2003
Financial analysis of SME customer using credit skills, ratio analysis; evaluation of parent support policies; judgment of management and strategy.
Evaluation and understanding of
and borrowers.
risk associated with individual transactions, products
Undertake timely annual review of Limits.
Visit/meet customers when required in order to achieve clear understanding of credit Assist sales force to monitor credit quality by highlighting early warning signs of credit deterioration.
Ensure compliance with Bank’s policy and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level. Control and monitoring of daily excesses/ overdrawn accounts. Spreading of financial statements and raising appropriate concerns. Monitor receipt of quarterly/annual financial information for annual review & monitor compliance with approval conditions.
Ensure that all related administrative functions, most importantly file maintenance, including regular stock inspections, call reports, periodic appraisals are performed in a timely manner )
Provides management information relating to their own portfolio on status of the accounts, excesses, irregular securities, defaulting accounts and exceptions to RM & Unit Head on a regular basis, as and when required
3
CREDIT OFFICER AT EQUITY BANK FROM 1996 TO 2000
Key Achievements
99 % loan recovery
50% loan recovery on loss loans
99.5% performing loans granted under my care to
be Less 2% par
rate
Handled more than 5000 loan accounts
Managed loan portfolio of Kenya shillings 80 million Duties and responsibilities:
Credit appraisal and approval.
Loans follow up.
Advice the client on banks’ loan products
Ensure that loan disbursements are made within bank policies and procedures Ensure daily loan recoveries are done
Ensure all loans are secured.
Make sure all reports regarding loans are prepared. Ensure proper documentation and perfection of the securities Do loans analysis
Loan product development and review
CASHIER/ CLERK AT EQUITY BANK FROM 1994 TO 1996
REFERENCES
1 NICODEMUS WAHOME KANYIRI
UTILITY FINANCE AND CREDIT RISK
DEVELOPMENT INNOVATIONS GROUP
SPECIALIST
*********@*****.***
2. ISLOM GITWIKI-
ACCOUNT PAYABLE
KAREN HOSPITAL
P.O BOX 1500-00502
NAIROBI
**********@*****.***
3. JOHN MUNGARU GACHUNGA
GLOBAL ALLIANCE FOR AFRICA
P.O BOX 5169-1002
MADARAKA
************@*****.***
****.*******@*****.***
4
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