Emmaculate Mutuku

A highly motivated Bachelor of Commerce (Finance) graduate from Kabarak University, with all coursework and examinations completed and graduation scheduled for 18 December 2026. Possesses practical experience gained during attachment at Azima Sacco, Donyo Sabuk Branch, including loan appraisal and calculations, membership services, mobile banking support, customer service, Excel data entry, records management, and general financial and administrative tasks. Has a strong academic foundation in accounting, economics, strategic management, financial management and data-driven problem solving.

Demonstrates strong analytical, numerical, communication, teamwork, organizational and problem-solving abilities, with proficiency in Microsoft Excel, Word and data presentation. Seeking an internship or entry-level opportunity to apply finance and business knowledge while developing professional experience and contributing to organizational objectives.

Attachée - Azima Sacco, Donyo Sabuk Branch - Kenya

(2026-05 - 2026-08)

• Assisted with loan appraisal and processing, including checking members' eligibility and qualifying loan amounts.
• Performed loan calculations using payslips, deductions, recoveries and member deposits.
• Entered loan and recovery information in Microsoft Excel and maintained related records and books.
• Assisted members with membership registration, account reactivation and mobile banking applications.
• Handled Sacco documentation, including consent, variation and substitute guarantor forms.
• Assisted with FOSA and BOSA account inquiries and provided customer service to members.
• Made follow-up phone calls to members and guarantors regarding various account and loan matters.
• Processed administrative records such as share transfers, debit and credit notes, and cheque forwarding.
• Scanned and organized member photographs, signatures and other supporting documents.

Academic Research & Financial Analysis - Kabarak University - Kenya

(2025-09 - 2026-04)

• Participated in academic research and financial analysis activities as part of university coursework and projects.
• Applied quantitative and analytical skills to finance- and business-related assignments.
• Conducted academic research, data interpretation and report writing.
• Developed and presented findings using structured analytical approaches.
• Applied Microsoft Excel in data entry, calculations and presentation of financial information.

Bachelor of Commerce - Finance - Kabarak University (2023 - 2026)

CPA - Accounting - Kabarak University TVET, Nakuru

KCSE - Machakos Girls High School (2019 - 2022)