John Watii
Hobart,TAS
Summary
Accomplished in wealth management and financial planning, my tenure at Equity Bank Ltd honed my expertise in credit analysis and risk management. Skilled in persuasion and effective communication, I excel in developing strategies that enhance customer loyalty and portfolio performance. Proven ability to drive financial success through innovative customer engagement and service support.
Overview
17
17
years of professional experience
Work History
Relationship Officer
Aspen Groove Ltd
Nairobi, Kenya
07.2017 - 08.2024
- Provided financial advice to clients based on their needs and goals.
- Analyzed client data to identify opportunities for cross-selling products and services.
- Developed strategies for enhancing customer loyalty through improved engagement initiatives.
- Facilitated dispute resolution between customers and other parties involved in transactions or contracts.
- Identified areas where improvements could be made in terms of processes or procedures related to customer relations.
Credit Analyst
Equity Bank Ltd
Kisumu, Kisumu Kenya
07.2014 - 10.2016
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Analyzed customer payment histories to assess credit risk profiles.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
Credit Analyst
Equity Bank Ltd
Kisumu, Kisumu Kenya
09.2011 - 06.2014
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Maintained accurate records of all transactions related to credit activities.
- Identified areas where additional information was needed to complete a thorough analysis.
- Communicated regularly with borrowers throughout the application process.
Documentation Officer
Swift Global Logistist Ltd
Mombasa, Mombasa Kenya
01.2008 - 12.2009
- Developed and maintained document control processes and procedures.
- Created templates for documents such as reports, minutes of meetings, manuals.
- Organized document filing systems according to company standards.
- Ensured timely delivery of documents by managing workflow processes and deadlines.
- Scanned physical copies of documents into electronic formats for storage purposes.
- Tracked progress on multiple projects simultaneously using project management software.
Education
Bachelor of Science - Applied Statistics
Maseno University
Kisumu Kenya09-2001
High School Diploma -
Friends School Kamusinga
Kimilili Kenya01-1996
Skills
- Persuasion techniques
- Effective customer communication
- Service support
- FLUENT IN [LANGUAGE]
- Financial planning processes
- Wealth management offerings
Languages
English
Professional
Affiliations
- Also Good in Farming , Gardening and Cleaning
References
References available upon request.
Timeline
Relationship Officer
Aspen Groove Ltd
07.2017 - 08.2024
Credit Analyst
Equity Bank Ltd
07.2014 - 10.2016
Credit Analyst
Equity Bank Ltd
09.2011 - 06.2014
Documentation Officer
Swift Global Logistist Ltd
01.2008 - 12.2009
Bachelor of Science - Applied Statistics
Maseno University
High School Diploma -
Friends School Kamusinga
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