Evaline Munyasia

Results-driven banking and credit professional with 7+ years of experience in relationship management, credit analysis, and banking operations. Skilled in loan processing, portfolio management, customer onboarding, and regulatory compliance, ensuring accuracy, efficiency, and adherence to CBK, KYC, and AML guidelines in fast-paced environments. Experienced in credit appraisal, financial reconciliation, and cross-selling banking products, with a keen ability to maintain low-risk loan books and drive customer satisfaction.

Highly adaptable to evolving financial environments, capable of managing multiple tasks efficiently, and dedicated to optimizing credit and relationship banking operations for maximum performance.

Relationship Officer - Equity Bank Kenya Limited

(2018-11)

• Strengthened client retention by cultivating long-term relationships, addressing customer needs proactively, and delivering tailored financial solutions, enhancing portfolio loyalty and trust.
• Accelerated sales growth by marketing loans, savings, and insurance products to diverse institutions, increasing customer acquisition and expanding market reach.
• Mitigated compliance risks by enforcing CBK regulations and institutional KYC/AML protocols, resulting in 100% adherence during internal and external audits.
• Optimized credit risk performance by managing a KES 682M loan book with only 3% PAR, implementing early warning systems and recovery strategies to maintain loan quality.
• Increased product uptake by converting 90% of walk-in customers through consultative engagement, needs-based selling, and financial education, driving revenue and customer base expansion.
• Enhanced customer satisfaction by resolving complex complaints swiftly and empathetically, fostering a culture of trust and service excellence.
• Improved credit uptake and retention by providing expert guidance on facility options, credit terms, and repayment plans, leading to informed borrowing decisions.
• Ensured financial accuracy and compliance by conducting timely and error-free GLS reconciliations, supporting audit readiness and reporting integrity.

Chama and Field Sales Associate - Copia Kenya Limited

(2017-01 - 2018-07)

• Expanded market penetration by recruiting and training 50+ rural field agents, increasing order volumes and driving revenue in underserved regions.
• Elevated group sales performance by educating Chamas on bulk buying benefits, enabling access to affordable consumer goods and improving household economics.
• Strengthened agent efficiency by conducting regular training on mobile ordering and digital payment systems, reducing operational errors and support queries.
• Amplified brand visibility and customer base through targeted door-to-door outreach campaigns, directly increasing customer engagement and orders.
• Achieved 95%+ delivery efficiency by coordinating last-mile logistics and order fulfillment, reducing service delays and building customer trust.
• Boosted sales performance by executing promotional campaigns and flash sales, increasing product demand and average order frequency.

Intern – Finance Department - Del Monte Kenya Limited

(2015-09 - 2015-12)

• Streamlined financial operations by preparing journal and payment vouchers with precision, reducing processing time and ensuring compliance.
• Strengthened vendor relations by managing timely and accurate payments to creditors and seed haulers, maintaining consistent payment schedules.
• Enhanced financial oversight by updating plantation accounts and supporting expense tracking, contributing to effective cost management.
• Increased audit preparedness by digitizing and organizing daily financial records, ensuring quick retrieval and regulatory compliance.
• Supported operational efficiency by assisting with daily finance tasks, accelerating workflow within the accounting department.

Bachelor of Science - Economics - Jomo Kenyatta University of Agriculture and Technology (JKUAT) (2013 - 2016)

Kenya Certificate of Secondary Education - Carmel Girls' High School (2009 - 2012)