Nicholas Mutwiri CV

Nicholas Mutwiri Muthuri, P.O. Box 22289-00400, Nairobi Tel: 0724 225 980 Human Resource Department, Bank of Africa Limted, P.O. Box 69562-00400, Nairobi. 23rd June 2011. Dear Sir/Madam, RE: APPLICATION FOR EMPLOYMENT I would like to apply for the above in your Organization. I am currently working as a Credit Officer with K-Rep Bank-Naivasha Branch. I have vast experience in Bank operations, SME/Micro-finance portfolio management, finance, Credit analysis, Credit documentation, Credit Risk, and product development having worked in Branch operations, loans advances, Credit Risk, Credit documentation and customer service departments of the bank. As a graduate student, I have also previously worked at National Bank of Kenya Ltd both in Accounts and Marketing departments, where I performed financial analysis and project management, this gave me vast exposure in modern accounting practices and sound marketing principles, mainly business planning, business projections, business valuations, proposal writing and marketing assignments and worked as an accounts assistant with compassion international Kenya. I therefore believe I will add value to your Organization by applying the Knowledge and skills that I have acquired in the process of my experience. I have finalized a Bachelors in Business Administration degree in finance at Jomo Kenyatta University of Agriculture and Technology; Association of Certified Chartered Accountants [ACCA-1] and a Diploma in Computer Engineering very proficient in computer applications especially Microsoft office and highly trained in banking operations and financial analysis. I am a man of integrity, honesty, ambition, innovation, a team player and ready to learn I look forward to talking with you regarding career progressing opportunities in your organization. Yours truly, Nicholas Mutwiri.

Nicholas Mutwiri CV

Personal Details ID number Surname Other Names Date of Birth (DDMMYYYY) 11.11.1983 Address Telephone No. Email Address Current Position 23276144 Muthuri Nicholas Mutwiri

22289-00400 Nairobi
0724-225 980 Nmutwiri@gmail.com CREDIT OFFICER

Educational Qualifications Education Jomo Kenyatta University of Agriculture and Technology (2006- 2008) Bachelor of Commerce (Finance Option) Second Class Honors (Upper Division) Kanyakine High School (1999-2002) KCSE (B Minus) Mbuju Primary School (1990-1998) KCPE (480 Marks) Professional(ACCA) (KCA University) Part One
Preparing Financial Statements Financial Information & Management Managing People - Passed - Passed - Passed

CompTech College

Diploma-Computer Engineering (2003-2004).

Work Experiences

Nicholas Mutwiri CV

K-Rep Bank (Credit Officer) May 2008-to Date

National Bank of Kenya (Intern) Jan 2007-April 2007

My duties as a Credit Officer are in the following areas; Product training. I train the staff in the branch on the products and services the bank is rolling out and the existing ones to make sure they are all aware of the products. Loan appraisals- I perform quality checks and financial analysis for loans applications by the customer. The loans must be within the banks credit policy. The main emphasis is on the structure of the facility (period, type and business cycle), purpose of the loan, credit history, ability to pay (account turnovers and financial statements), character of the customer, co-guarantee and security coverage. Relationship management-I build a good working relationship between the customers and head office to ensure free flow of work and improved turn around time. I do sales and marketing to bring in new business and ensuring maximum customer satisfaction for the existing customers. I ensured that I meet the business targets, perform quality appraisals, maintain a clean portfolio and work towards achieving the targets set by the business. Portfolio Management and Analysis- I screen and appraise small & medium businesses and individuals before forwarding the facilities for discussions. I then follow up to ensure that the facilities are running successfully and also responsible for collection of debt in the unfortunate event that the customer defaults (end to end). Risk Analysis & Evaluation- I am responsible for evaluating lending risk and ensuring adherence to credit policy before loans are disbursed and ensure that the collaterals follow the due perfection processes. I am also involved on advising on inward debit registers on a daily basis to ensure efficient management of the TODS and the aging ODs. I was involved in the following activities; Conducting regular snap checks to determine whether colleagues are aware of the various policies and procedures and whether they actually follow them Counterchecking compliance with existing manuals Ensuring that all internal quality control reports are printed, reviewed and actioned appropriately. Assisting the Marketing manager undertake program of quality controls and marketing strategies to counter competition.

Nicholas Mutwiri CV
Compassion InternationalKenya Office (Accounts Assistant) Jan 2003-May 2005 My duties were; Ensuring correct entries are recorded in the books of accounts. Maintaining accurate records on ledger books balance. Preparation of vouchers, checking and verifying of vouchers done by auditors. Counter checking invoices with receipts. Preparation of cash flow journals. Remedial teaching to children. Computer work. Helping children in writing letters to their sponsors.

Other Skills acquired

SKILL

Very good
analytical, statistical and numerical skills. Modeling and computer (Word processing and excel spreadsheet (IT)) skills Excellent communication and Negotiation skills

I gained this in the course of my business appraisals,

business planning/ valuation. I also took statistical and numerical courses at the University I gained this through developing business/ financial models for our clients. These involved the intense use of word and excel applications. I also took a Diploma Course computer application at CompTech College where I attained a credit and I am very familiar with the operations of computers and IT in general I have attended several customer service and communications training courses. I am also involved with relationship management in my day today chores.

Nicholas Mutwiri CV

My achievements. Date April 2007 March 2009

Achievement Part of a team that effectively marketed the Re-launch of Visions Accounts at National Bank of Kenya chartered to hit one of the best sales target in the month of April 2007 Actively participated in the Development of the Yes Account, Mshahara account and advance features at K-Rep bank. Actively participated in the workshop meant to improve the features of the Malkia/GOWE Loan at K-Rep bank.

March 2008 January 2010

Developed a loans monitoring tool (watchlist) for Naivasha

Business Unit.

Trainings & Seminars attended INSTITUTION K-Rep COURSE ATTENDED Micro-finance/SME Retail training Banking induction course Africa Banking Operations Certification program Customer service training Customer service training conducted by Personnel.

Preferred

National Bank

Cashiers training Fraud awareness training Communication skills Analytical skills Extensive training on Business valuation and Business planning Training on presentation skills Training on Proposal writing Career Development Seminar Customer preference management SME lending and Debt Management course.

KIB KUSCO Introduction to Co-operative Management USIU Advancing into a brighter Kenya; Alternatives to boost the

Nicholas Mutwiri CV
Compassion International-KE Office economy. Servant Leadership

Referees

1)

Mr. George Ndeti Operations Manager K-Rep Bank-Naivasha Branch P.O. Box 558 Naivasha Tel. 0723 539 891 GNdeti@k-repbank.com Timothy Kimathi, ICT Officer-Office of the VP & Ministry , Of Home Affairs, P.O. Box 30478-00100 Nairobi 0721 255 947 kimstimothy@yahoo.com Mr. Reuben Mutuma, Sales Executive-Guarding Division, G4S Security Services Ltd, P.O Box 30242-00100 Nairobi Tel: 0725 89 19 30 Reuben.mutuma@ke.g4s.com

2)

3)