Eric Ngigi Mukami

Business Banking Professional with experience in SME banking, credit analysis, loan structuring, portfolio management, and client acquisition. Strong capability in financial statement analysis, credit proposal preparation, loan appraisal, repayment monitoring, client onboarding, KYC documentation, AML compliance, and banking records management. Provides structured support in credit decisioning and portfolio quality control through accurate financial assessment, disciplined follow up, and consistent monitoring of lending performance.

Poised to apply this expertise in SME banking environments to strengthen credit quality, improve portfolio performance, support disciplined lending decisions, and contribute to structured business growth in complex banking operations.

Relationship Manager Business Banking - HFC Limited - Nairobi

(2025-07)

Appointed to manage SME and business banking clients, structure credit facilities, grow deposit base, and maintain portfolio quality through active monitoring and client engagement.

• Built a credit pipeline of 25 SME loan applications valued at KES 380M within 6 months through direct client engagement and referrals from existing business customers.
• Deposits, asset and accounts champion in mobilization of deposits, growth of assets, and acquisition of new business accounts. Recognized as a top performer
• Leadership & Collaboration; Mentored junior relationship officers on credit analysis and customer acquisition strategies. Collaborated with credit, legal, External stakeholders and operations teams to ensure timely disbursement of customer facilities.
• Portfolio Growth & Business Development, Achieved 120% of annual sales targets in 2025 for loans, deposits, and transactional banking products.

SME Senior Relationship Officer - SBM Bank Kenya Limited

(2023-05 - 2025-07)

Appointed to drive SME portfolio growth, manage client acquisition, support credit processing, and ensure compliance with banking and risk requirements at branch level.

• Built a portfolio of 300 new SME clients through field visits and referrals, generating new lending and deposit relationships across retail and wholesale trade sectors.
• Delivered credit applications for SMEs, resulting in approved facilities for working capital and trade financing solutions valued at KES 520M for 2 years.
• Structured recovery plans for distressed SME accounts, coordinating repayment schedules that recovered KES 68M in overdue balances.
• Resolved inactive accounts for SME clients by conducting business reviews and restructuring banking products, restoring active account usage.
• Standardized KYC files for 62 SME accounts, clearing documentation gaps identified during internal audit review.

SME Relationship Manager - HFC Limited - Nairobi

(2016-05 - 2023-05)

Appointed to manage SME lending portfolio growth, credit structuring, revenue generation, and risk monitoring across business banking clients.

• Built SME loan book consisting of 300 active clients across trade finance, mortgages, working capital, transport, and service sectors with structured lending facilities.
• Demonstrated strong performance in delivering monthly and yearly targets across accounts, deposits, lending, and bancassurance products. Awarded gifts by Bank CEO for excellence customer service and also for being top performer.
• Identified accounts showing early repayment stress and implemented corrective action plans in coordination with credit and risk teams and resolved non performing accounts through structured recovery negotiations and repayment agreements, recovering KES 36M.
• Appointed Bancassurance Champion for three branches in recognition of outstanding sales performance and business growth.

Micro Credit Officer - Rafiki Microfinance Bank

(2015-05 - 2016-04)

Appointed to manage micro lending operations including client assessment, loan processing, disbursement, and recovery management.

• Built a micro loan portfolio of 66 active borrowers through field based client acquisition in small business markets.
• Delivered credit assessments for loan applications supporting approval and disbursement of small business loans.
• Resolved delinquent loan accounts through structured field follow ups and repayment restructuring, recovering KES 9.5M and coordinated loan disbursement process for group lending cycles.

Human Resource Manager - Jungle Macs EPZ Company

(2012-01 - 2014-05)

Appointed to manage recruitment, payroll processing, employee relations, and compliance within manufacturing operations.

• Built recruitment pipeline that supported hiring of production, field and office staff aligned to factory output requirements.
• Delivered payroll reconciliation for employees monthly, correcting salary discrepancies affecting staff members and resolved workplace disputes through structured mediation sessions.
• Standardized HR records for audit readiness, organizing 3 years of employee files into verified compliance format.

Bachelor of Commerce - Marketing Option - KCA University (2019)

Advanced Diploma - Business Management - Thika Institute of Business Studies (2011)

Diploma - Business Administration Management - Thika Institute of Business Studies (2011)