Anne Njuguna

PROFESSIONAL ATTRIBUTE

Service oriented Manager with 10 years background in Banking industry and excellent customer service .

Core competencies include excellent communication and time management skills. Handles tasks with accuracy and efficiency in credit and sales. Passionate and motivated, with a drive foer excellence ..

High integrity and honesty in duty execution.

Team player with proven track of staff management and branch leadership.

SKILLS

• Customer and personal services
• Active listening
• Leadership skills
• Branch management
• Branch operations skills
• Judgment and decision making
• Sale and marketing
• Complex problemsolving
• Monitoring
• Time management

COMPETENCIES

• Essence international training on Individual lending.
• Sustainable financialtraining

WORK EXPERINCE

• APRIL 2021-TO DATE : SIDIAN BANK
• POSITION : BRANCH MANAGER
• KEY RESPONSIBILITY

• Prepares financial statements and analysis for branch
• Manages and supervises department employees; responsible for day-to-day supervision and leadership
• Maintains and oversees all banking procedures and processes
• Recruiting, vetting, interviewing, and hiring new employees
• Overseeing approvals of loans, lines of credit, and other fiscal plans
• Assisting with customer service and satisfaction
• Marketing branch within the community to attract business
• Records and researches all financial information for analysis
• Oversees budget reports, preparation of budgets, and analysis of budgets
• Documents and interprets complicated financial information for bank clients
• Advises on procedures and financial management as well as developing policies
• Oversees financial reports for taxes, regulatory agencies, and other financial groups relating to branch finance
• Forecasts and plans according to fiscal needs
• Growing bank's number of accounts

• Develop a focused relationship management approach, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customersin line with the enterprise strategy.
• Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the BankingAct with respectto lending.

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• SEP 2019-APRIL 2021 : SIDIAN BANK LIMITED
•  POSITION : RELATIONSHIP MANGER 
•  KEY RESPONSIBILITY
• Support branch operationsas assigned by the Branch Manager to manage leave and other emergency situations
• Enhance creation by creating, communicating, delivering, and offeringsolutions that have value for customers, shareholders and partners.
• Build the SidianBank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trendsand competitor offerings.
• Support product specialists and the sales teams in marketing of initiatives and other productsto local businesses
• Branch Leadership

Strategic input and planning:

• Contributes to the completion of the branch operational plan by preparingand implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
• Prepares a personalaction plan that contributes to the overallbranch budget.

Sales & BusinessDevelopment:

• Full responsibility for all productlines and all sales and business development.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the branch remains competitive and promptly reacts to changing market conditions and customer needs.

• Develop a focused relationship management approach, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customersin line with the enterprise strategy.
• Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the BankingAct with respectto lending.

·

SEP 2015-SEP 2019 : REAL PEOPLE KENYA LTD POSITION : EXECUTIVESALES COSULTANT

• Gather competitive intelligence to determine what competitors are offering clients, product positioning and service offerings.
• Ensure meeting clientsrequirements while ensuringcompliance with all regulations and controls as set by the companyand external regulatory authorities by all staff.
• Ensure zero operational loss and effective complaint management.

• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating. Maintain quality loan book by ensuring consistent monitoring of the outstanding portfolio.
• Involving loan inquiries, loan processing, checkinginto TAT for the loans.
• Loan appraisal on qualifications, requirements, complains resolutions
• Manage and anticipate client requirements with a focustowards managing the existing base aswell as increasecross product holdingper client.
• Build, understand and sustain relationships with the client’scircle of influence.
• Provide ongoing portfolio supervision, with a continuous focustowards helping the client adaptto changes in personal circumstances and the financial environment.
• Drive portfolio growththrough existing loans and increased product per customerratio.
• Drive SME portfolio growth through acquisition of New customer segment qualifying customer relationships
• Package loan applications documents, capture in the systemand assist in contract signing
• Manages the assetbook through monitoring of the NPLS and take recovery measures to reduce the PAR to therequired standards.

Daily monitoring of the loansrepayments to ensureno loan arrears at any time

AUGUST2014-SEP 2015 : OPPORTUNITY KENYA POSITION : LOAN OFFICER RESPONSIBILITIES

• Meet applicant to obtain information for loan application and to answer questions about the process.
• Explainto customers the difference types of loans and credit options that are available, as well as the terms of those services .
• Submit applications to the creditanalyst for verification and recommendations.
• Analyzepotential loan marketsand develop referrals networks to locateprospects for loans.
• Interviewapplicants and requestsspecified information for loan applications
• Interviewloan applications in order to obtain personaland financial data and to assist in completing applications.
• Assemble and compile documents for loan closings, such as title abstracts, insuranceforms, loan forms, and taxrecipient.
• File and maintainloan records.
• Review customers account in order to determine whether payments are made on time and thatother loan terms are being followed.

JULY 2013 –AUGUST 2014 : FAULU KENYA

POSITION : DIRECT SALES REPRESENTATIVE RESPONSIBILITIES

• Determinecustomers financial servicesneed and prepareproposals to sell services that addresses the needs.
• Contact prospects customersto present information and explain available services.
• Develop prospects from current commercial customers, referrals leads, or sales.
• Make presentation on financial servicesto groups to attract new clients.
• Maintainassigned accounts bases while developing new accounts

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SEP 2011-JUNE 2013 : KENYA WOMEN FINANCE TRUST-BANK POSITION : BUSINESS DEVELOPMENT OFFICER RESPONSIBILITIES

• Analyze applicant’s financial status, credit and property evaluation to determinefeasibility of grantingloans.
• Explainto customers the different types of loansand credit optionsthat are available, as well as the termsof those services.
• Approve loans within specified limits, and refer loan applications outside those limits to management approval.
• Handle customers complainand take appropriate action to resolvethem.
• Review and update credit and loan files.
• Analyze potential loan markets and develop referrals networks to locate prospects for loans.

Counsel clientson personal and family problems, such as excessive

SEP2019-AUGUST 2022: BACHELOR OF COMMERCE

Bachelor of Commerce KenyattaUniversity Marketing Option-Second Class Upper Division