Nickson Kiprotich

I am a meticulous accounting and finance professional, excelling in handling all finance and accounting functions whilst ensuring accountability and enhancing revenue. I am a highly capable change-agent who consistently refines and revitalizes strategies initiates change, facilitates solutions and team driven collaboration. Throughout my experience, I have gained skills in; financial statements, financial reporting, accounting, accounts payable, client accounts management, credit management as well as tax and statutory deductions, led by my strong attention to detail, analytical skill, problem-solving, and organizational skills. I have established a unique ability to steadfastly manage duties and responsibilities pertinent to the growth of an organization. I am now seeking an opportunity in public and private organizations, where my skills and experience will not only contribute to ensuring accountability in the departments but also see me own my skills.

RELATIONSHIP MANAGER (RM); SEPTEMBER 2022 - TODATE

ED PARTNERS AFRICA LTD.

Duties and Responsibilities

Accountability: Relationship Management, Sales and Service:

·       Management of ongoing relationships with existing partners and where relevant, leverage those relationships to greater collective impact.

·       Identify and address assigned customer needs, ensuring that the overall service provided is in line with customer expectations and the terms of the service offer.

·       Provide specialist information, guidance and advise to customers through the delivery of excellent customer service to resolve customer queries and achieve customer satisfaction.

·       Prepare Customer sales coverage plans to ensure each relationship is managed according to the organization’s customer service charter with regular reviews of the customer portfolio to assess future needs and ongoing fee/income potential.

·       Ensure ongoing reviews of the Customer Discussion Document for each customer in the portfolio and drive satisfaction through proactive identification of identified clients ongoing financial needs and cross-sale of required solutions.

·       Growth of the existing loan book as per the set organizational targets through growth of current portfolio/collection business as well as wholesale deposits from the public.

·       New client onboarding through the development and maintenance of a pipeline of prospective clients to ensure sustainable growth of the Portfolio.

·       Provide timely and accurate reporting of pipeline, strategic partnerships and management activities.

·       Developing own strategy with clear action plans to ensure achievement of desired results.

·       Identifying and developing new business proposals efficiently and expeditiously to ensure that potential new business opportunities are not lost to competitors.

·       Ensure great working relationship with team members for overall achievement of departmental goals.

·       Ensure adherence of all organizational prescribed processes, standard operating procedures and requirements.

·       Role Models the Brand and Corporate Values of the organization both internally and externally.

·       Drive increased assets balance sheet per customer, liabilities balance sheet per customer and revenue per customer through continued customer engagements

·       Proactive engagement of required business specialists to support the fulfillment of income statement, balance sheet, statement of cash flows and customer needs.

·       Manage the client portfolio, making proactive contact on a regular basis and meeting clients at their convenience, and maintain an updated calendar/diary to track customer meetings

·       Conduct annual review of customers’ borrowing facilities and interim review if customer circumstances risk profile dictate.

·       Consult customer owners/managers on financial/credit issues and general business practice/ideas.

·       Determine the key messages, e.g. agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Calculating the most appropriate means of communicating them to customers.

·       Determine the products that are most effective in meeting customers needs and be able to sell these, at short notice, both reactively and proactively.

·       Monitor and ensure adherence to risk service standards.

·       Ensuring proper systems are in place to effectively manage AML risk at branch level.

·       Any other official duties that may be allocated from time to time by management.

Accountability: Business Management:

·       Research, create and follow up on a target list for potential new business.

·       Identify priority customers using the Customer Prioritization Guidelines to assess their present and potential contribution.

·       Gather all the required information that is needed to prepare and assess credit applications such as judgmental information

·       Monitor and control the quality of the portfolio using triggers where possible and in accordance with RM guidelines and policy.

·       Manage “Early Warning List” customers to reduce risk, following the regional guidance provided.

·       Adhere to procedures and guidelines within the Relationship Management Department.

·       Maintain targeted level of business results (i.e. income, balance sheet, costs, client satisfaction and client recruitment) for own portfolio.

·       Review portfolio on a regular basis for collections, ensuring on time repayments, reducing bounced cases and bounced payment recoveries.

·       Adhere to legal and regulatory standards.

Accountability: Staff Management:

·       Day-to-day support to company and branch staff in provision of consistent service quality and risk.

·       Provide on-the job training for Trainee Relationship Managers (TRMs)

·       Appraise and supervise Trainee Relationship Managers (TRMs)

·       Manage own leave plan.

·       Offer support as per business request.

                          Risk and Controls

·       Ensured that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Policies and Policy Standards.

Accountability: Core Competencies & Skills

·       Conflict and complaint resolution, Risk management, Compliance, Business management, Customer relations.

·       General professional Corporate communication.

·       Strong Leadership and team playing skills with hands-on capability and Management style.

·       Product knowledge, Customer service, Brand management, Business development, Sales strategy, Sales management.

CREDIT OFFICER – CONSUMER BANKING

CO-OPERATIVE BANK OF KENYA; January 2020– August 2022

Duties and Responsibilities

·       Supported in identifying potential MOU markets for sales opportunities and new business acquisition and relation with clients.

• Promoted new business development in obtaining, verifying KYC documentation, and compiling original documentation of applicants' financial statements, and other financial information.

·       Reviewed processing of loans for disbursements, refinancing, refund and any other customer related payments.

·       Managed effectively over 200 Million client’s portfolio and offering financial advice regarding investments and savings.

·       Handled reconciliation of Bank, Mpesa, General accounts management as well as maintained incoming and outgoing credit records.

·       Ensured timely and accurate processing of payments, updating Customer Relationship Management record and E-Collect arrears report.

·       Performed financial risk assessments on banking and financial trends of credit activity, progress and prepare reports to management.

Key Achievements

·       Provided professional customer relationship as demonstrated in my banking role where I exceeded expectation by at least 25% for six consecutive months through customer referrals.

·       Worked effectively in mentoring and supporting 2-new bank staff as a team to accomplish key set objectives.

·       Earned “Employee of the Quarter” twice for excellence and professionalism in service.

MORTGAGE DIRECT SALES REPRESENTATIVE

NATIONAL BANK OF KENYA; August 2019 to December 2019

Duties and Responsibilities

• Sold and originated residential mortgages by customary and regular involvement in activities related to loans acquisition away from the office.
• Developed and maintained relationships with 50+ real estate agents, financial planners, individual borrowers, and builders.

·       Executed loan processing that includes appraisal, documentation and analysis on creditability before forwarding to credit operations and preparing credit reports.

·       Provided expert financial advice on customer mortgages and other business products.

·       Updated financial systems while maintaining data confidentiality in general ledger balances and reconciliations.

·       Created financial analysis reports on market research, borrowers’ financial statements, and reviews.

·       Bachelor of Cooperative Business: The Cooperative University of Kenya; 2014 to 2018

·       Kenya Certificate of Secondary Education: Kericho High School; 2010 to 2013

PROFESSIONAL COURSES

·       Certified Public Accountant( CPA- Part One, Part Two)  KASNEB

·       Certificate in Computer Packages, Accounting packages-ERP, SAP.