Charles Gitonga

A highly skilled and experienced finance professional aligned to the cooperative and microfinance sector with an intricate zeal in Business development and credit administration. Additionally, I am a resourceful expert possessing a considerable amount of knowledge and skills regarding business lending and accounting, credit analysis and financial office administration. As a Business Development Officer at KWFT, HarambeeSacco and Caritas Microfinance, I have gathered relevant skills and competency in areas such as but not limited to field business credit products marketing, loans analysis, credit administration front office customer relations financial reporting and implementing credit policies & procedures pertaining to loan issuance and recoveries.

In addition, having worked as a Credit Officer at Greenland Fedha and a Relationship Officer at Bingwa Capital limited has greatly enhanced my skills and expertise in credit risk management, credit appraisal processing, monitoring, credit due diligence and fraud prevention among other business risk management expertise. Given my exceptional track record, I am currently seeking to secure a mid-level job in micro and personal credit management and or credit analysis and business development in a financial organization that will provide a challenging environment for personal growth while contributing to the productivity of the overall organization’s objectives.

Relationship Officer

Bingwa Capital Limited-Meru; June 2019- May 2020

Duties and responsibilities;

• Loans appraisal and disbursements
• Portfolio management
• Recruiting new clients
• Marketing and mobilization for various microfinance institutionproducts
• Conducting empowerment trainings for various clientele groups in both formal and informal sector
• Establishing and managing loan portfolios
• Ensuring that all loan installments are repaid prudently
• Loan collection and recovery .

Business Development Officer

Caritas Microfinance Bank-Head Office-Nairobi; May 2017- December 2018; Duties and responsibilities;

• Loans appraisal and disbursements
• Portfolio management
• Recruiting new clients
• Maintaining accounts books
• Marketing and mobilization for various microfinance institutionproducts
• Conducting empowerment trainings for various Microfinance Bank’s groups in both the formal and informal sector
• Handling and maintaining assigned files and general correspondences management
• General office administrative duties
• Establishing and managing loans portfolios.

Business Development Executive

Harambee Sacco Society –Nanyuki Branch;January 2016 – December 2016; Duties and Responsibilities;

• Loans appraisal and disbursements
• Portfolio management
• Recruiting new clients
• Maintaining accounts books
• Marketing and mobilization for various microfinance institutionproducts
• Conducting empowerment trainings for the Sacco Members
• Handling and maintaining assigned files and general correspondences management
• General office administrative duties
• Establishing and managing loans portfolios
• Loan recovery

Credit Officer /Loans officer

Greenland Fedha Microfinance-Imenti Tea Factory Branch January 2014 - December 2014

Duties and responsibilities:

• Loans appraisal and disbursements
• Portfolio management
• Recruiting new clients
• Maintaining accounts books
• Marketing and mobilization for various microfinance institutionproducts
• Conducting empowerment trainings for various Microfinance Institution Farmers who formed the Institution Clientele base.
• Handling and maintaining assigned files and general correspondences management
• General office administrative duties

Business Development Officer, Kenya Women Finance Trust –Kiambu Branch;January 2011- December 2013;

Duties and responsibilities:

• Credit/loan accounts appraisaland processing and maintaining book of accounts. • Field

Marketing/mobilization for various institution products.

• Conducting business development training for SMEs.
• Growing and maintaining a strong credit portfolio.
• Maintaining the loan book.
• Field direct sales of various microfinance products.
• Maintaining and monitoring the performance of the loan portfolio.
• Monthly, Quarterly and annual financial, loans and portfolio reporting. • Credit risk analysis, financial analysis, monitoring and evaluation.
• Ensuring compliance with loan procedures as per the legal requirements and internal lending policies and procedures.
• Customer, SMEs credit rating appraisals and reporting.
• Credit administration and management and ensuring timely credit recovery.
• Conducting empowerment training for various women groups and business plans developed in the formal and informal sector.
• Handling and maintaining assigned files, documentation and credit correspondences management.
• Customer relations and feedback, clients account opening and general office administrative roles.

Loans officer/Accountant (Internship)

Afya Sacco Society-Head Office, Nairobi; April 2010- May 2010: Duties and Responsibilities

• Reconciling the cashbook
• Preparing the daily cash status position for head office
• Reconciling creditors ledger accounts
• Preparing bank reconciliation
• Preparing payment vouchers for staff and supplier Examination of returns from field station before posting in the computer ledgers.

Loans officer/Accountant-(Internship)

Chuka Farmers Union Society; April 2009-May 2009

Roles and Responsibilities;

• Maintenance and reconciliation of debtor accounts and statements.
• Accounts management and credit control
• Monitoring Cash Receipts, correct postings and reconciliation of the same on a daily basis.
• Matching of outstanding credits to the relevant debits on debtor accounts.
• Automating the process of raising invoices and posting the same on the accounting soft

• Bachelor of Business Administration (Finance Option)– Kenya Methodist

University Nairobi Campus, January 2016-December 2018.

• Diploma in Co-operative Management (Dip, CM, Credit 1) - The Co-operative

College of Kenya, September 2009-August 2010.

• Certificate in Co-operative Administration (Cert/CA, Credit 2) -The Co-operative

College of Kenya, September 2008-August 2009.

• Certificate in Co-operative Business Administration (Cert, CBA, Credit II) - The

Cooperative College of Kenya, January 2008-August 2008.

• Kenya Certificate of Secondary Education (B-Minus) – Ikuu Boys HighSchool

Jan 2003- November 2006.