FRED MAINA MOSOTA
Doha
Summary
Experienced branch leader with a successful track record in leading all aspects of new and ongoing business operations. Strategic thinker and tactical decision-maker driven by a passion for customer service and consistently surpassing expectations. Recognized for creative problem-solving abilities, adept at de-escalating challenging situations and driving positive organizational change.
Overview
15
15
years of professional experience
Work History
BRANCH MANAGER
AGRICULTURAL FINANCE CORPORATION LIMITED
08.2015 - 10.2020
- Origination, assessment and approval/recommendation of loans
- Coordinate the loan recovery process
- Coordinate the preparation and implementation of the annual plans and budgets for the branch
- Ensure periodic reports are prepared for purposes of monitoring and evaluation of branch performance
- Represent the Corporation at various stakeholders’ forums so as to market the AFC products for improved customer base
- Setting of performance targets and review of branch staff performance and administration of the branch
BRANCH MANAGER
FAULU MICROFINANCE BANK LTD
07.2014 - 07.2015
- Growth of asset and liabilities book in the SME/Agribusiness/Real estates and other sectors
- Recruiting new clients
- Maintaining relationship for existing clients
- Market intelligence i.e studying competitor products and market trends
- Overseeing Branch administration and operations to ensure compliance and good customer service
- Marketing & selling of bank products
- Review of Credit proposals from the credit team to ensure quality asset book
- Constant follow up of Non-performing loan book in conjunction with the credit team to keep the PAR at acceptable levels
BRANCH MANAGER
CREDIT BANK KENYA LTD
05.2013 - 06.2014
- Overseeing Branch administration and operations to ensure compliance and good customer service
- Preparation of branch budget in line with the overall bank strategy
- Marketing & selling of bank products
- Review of Credit proposals from the credit team to ensure quality asset book
- Constant follow up of Non-performing loan book in conjunction with the credit team
- Recruiting new clients
- Maintaining relationship for existing clients
- Growth of asset and liabilities book
- Setting of targets and review of staff performance
ACCOUNT RELATIONSHIP OFFICER-CORPORATE BANKING & TRADE FINANCE DEPARTMENT
CO-OPERATIVE BANK OF KENYA LTD
02.2012 - 05.2013
- Relationship management of clients
- Financial analysis of corporate customers using credit skills, ration analysis; evaluation of parent support policies; judgment of management and strategy
- Preparation of quality credit applications & monitoring of portfolio at risk
- Ensuring compliance to bank credit policy & adherence to approval conditions
- Evaluation & understanding of risks associated with individual transactions, borrowers & products
- Monitoring of covenants and security requirements of facilities granted
- Cross selling of other bank products such as mobile/internet banking, Insurance premium finance, credit cards, and guarantees among others
BUSINESS DEVELOPMENT OFFICER/MICRO CREDIT OFFICER
CO-OPERATIVE BANK OF KENYA
02.2007 - 02.2012
- Identify potential clients/leads to sign for SME/Micro loan facilities such as term loans, overdrafts, excesses, asset finance
- Interviewing, analyzing and evaluating credit applications with emphasis on risks
- Recommending credit applications to the branch credit committee & head office for approval
- Disbursement of approved loans after security documentation
- Monitoring of problematic loans & management of portfolio at risk
- Developing other business & cross selling of bank products such as agency banking, credit cards, internet banking & Jumbo link
- Provide feedback to the bank on market characteristics & competitor activities
- Proactively market business lending & deposit opportunities from small & medium enterprises
- Evaluation of credit application with emphasis on business, financial & market risk in line with the credit policy & procedures
- Training & capacity building of self help group members
GENERAL DUTIES
CO-OPERATIVE BANK OF KENYA
01.2006 - 02.2007
- Tellering
- Account opening/customer service/enquiries
Education
Bachelor of Commerce - Accounting
Kenyatta University
01.2004
Kenya Certificate of Secondary Edu.Certificate -
Bonyunyu Secondary
01.1997
Kenya Certificate of Primary Edu. Certificate -
Ikamu Primary
01.1993
Skills
- Sales professional
- Business development expertise
- Relationship building and management
- FHA loan process background
- Account analysis expertise
- Cash handling expertise
Accomplishments
- Grew the loan book at Faulu from Kes87M to Kes511M within a period of four months
- In 2011, turned around the SME loan book for my branch from a portfolio of zero to Kes90Million within a period of one year ranking it among the first 10 in the whole bank. Promoted to position of Corporate relationship officer as a result
- In 2013, successfully championed the implementation of a new core banking system, BFUB on behalf of my department
- Grew the loan book at Credit Bank from Kes240Million to Kes570Million and reduced the PAR from 21% to 9%
- In 2009, ranked among the top five micro credit officers in the bank after disbursing loans worth Kes60Million against a target of Kes48Million
- Received commendation letters from different team leaders for driving business performance & mentoring other staff
- Nominated as the Co-op customer champion in various sparker sessions held in the bank
Languages
English
Swahili
Coursesseminarsattended
- Supervisory course offered by Co-operative Bank Management Centre
- Management Development Skills-Leadership
- Credit Level 1 & 2
- Risk Analysis by Culhane Consulting
Majorstrengths
- Fast learner & excellent team player
- Strong credit and analytical skills
- Excellent interpersonal & communication skills
- Passionate, highly motivated & energetic
Personal Information
- Date of Birth: 05/01/79
- Nationality: Kenyan
References
- Ms. Grace Muhoro, Salaries & Remuneration Commission, P.O Box 48231, Nairobi, Nairobi, 00100, gracawangu@gmail.com, +254 721 672 570
- Mrs. Wanjiku Kabiru, Head SME-Banking, Co-operative Bank of Kenya Ltd, P.O Box 48231, Nairobi, Nairobi, 00100, wkabiru@co-opbank.co.ke, +254 722 832147
- Mr. Philip Nzioki, Head Clearing Department, Barclays Bank Of Kenya, P.O. Box 40160, Nairobi, Nairobi, 00200, philip.maweu@barclays.com, +254 726 610222
Hobbies and Interests
- Sports: Soccer, Volleyball & Athletics
- Reading newspapers
- Listening to music
- Socializing
Professionalcourses
06/01/14, Certified Public Accountant – CPA SEC III KASNEB. Currently Pursuing CPA SEC IV
Timeline
BRANCH MANAGER
AGRICULTURAL FINANCE CORPORATION LIMITED
08.2015 - 10.2020
BRANCH MANAGER
FAULU MICROFINANCE BANK LTD
07.2014 - 07.2015
BRANCH MANAGER
CREDIT BANK KENYA LTD
05.2013 - 06.2014
ACCOUNT RELATIONSHIP OFFICER-CORPORATE BANKING & TRADE FINANCE DEPARTMENT
CO-OPERATIVE BANK OF KENYA LTD
02.2012 - 05.2013
BUSINESS DEVELOPMENT OFFICER/MICRO CREDIT OFFICER
CO-OPERATIVE BANK OF KENYA
02.2007 - 02.2012
GENERAL DUTIES
CO-OPERATIVE BANK OF KENYA
01.2006 - 02.2007
Bachelor of Commerce - Accounting
Kenyatta University
Kenya Certificate of Secondary Edu.Certificate -
Bonyunyu Secondary
Kenya Certificate of Primary Edu. Certificate -
Ikamu Primary
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