Cosmas Mutaiti Muia is a PhD candidate studying finance at Kenyatta University. He has over 10 years of experience in corporate finance roles, including as a credit risk analyst, relationship manager, and branch operations officer. He holds an MBA in finance from Kenyatta University and a BBA in accounting and finance from Kenya Methodist University. His objective is to advance his career in university teaching, research, and consultancy in accounting and finance.

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CURRICULUM VITAE
Cosmas Mutaiti Muia, PhD Student
Date of birth : 6th
May 1983 (34 years)
Religion : Christian- Catholic
Citizenship : Kenya
Sex : Male
Marital Status : Married- with two children
Cell phone : 0723449841; 0731283664
Email : mutaitih@gmail.com and mutaitih@yahoo.com
OBJECTIVE: Career advancement in teaching at the University level, participation in
research and consultancy by joining institutions/organizations in a busy
professional environment.
ACADEMIC BACKGROUND:
2017- 2020 KENYATTA UNIVERSITY - DOCTOR OF PHILOSOPHY (PhD) IN
BUSINESS ADMINISTRATION: AREA OF SPECIALIZATION- FINANCE.
Registered for PhD at Kenyatta University starting, January, 2017, studying
Finance.
2012-2014 KENYATTA UNIVERSITY - MASTER OF BUSINESS ADMINISTRATION
DEGREE (MBA): AREA OF SPECIALIZATION- FINANCE.
MBA Course units:
Corporate Finance, Management Practice, Financial Management,
Financial Accounting, Managerial Economics, Financial Seminar &
Strategic Marketing, Quantitative Techniques and Management
Information Systems.
MBA Research Topic:
Effects of Agricultural Loan Pricing on Net Profits of Horticultural Farmers
in Kibwezi East Constituency, Makueni County, Kenya.
2009-2010 KENYA METHODIST UNIVERSITY - BACHELOR OF
BUSINESS ADMINISTRATION DEGREE (BBA): AREA OF
SPECIALIZATION- ACCOUNTING & FINANCE.
Double major in Accounting and Finance,

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Second Class honors.
Cumulative GPA of 3.35 on a scale of 4.00.
2005-2006 KENYA SCHOOL OF MONETARY STUDIES – ASSOCIATE DIPLOMA:
AREA OF SPECIALIZATION- BANKING & FINANCE.
Professional Diploma in Banking.
2004-2005 KENYA SCHOOL OF MONETARY STUDIES – CERTIFICATE IN
BANKING & FINANCIAL SERVICES:
AREA OF SPECIALIZATION- BANKING & FINANCE.
Professional Certificate in Banking and Financial Services.
1998-2001 DARAJANI SECONDARY SCHOOLS
‘O’ levels
Other Courses - Credit Administration, Basic Banking, Total Quality Management (TQM),
Customer Service, Advanced Credit Analysis, Credit Management,
Agriculture Value Chain among others.
JOB EXPERIENCE:
Teaching Experience -I have no University/College teaching experience at the moment. However
I have over ten years experience in corporate world and intent to use this
Experience acquired to teach the following Courses/Units in Accounting
& Finance.
Corporate Finance, Management Practice, Financial Management, Managerial
Accounting, International Financial Management and Finance Seminar,
Investment, Intermediate Accounting I & III, Financial Accounting I & II,
Auditing I & II, Business Finance and Cost accounting.
.
Corporate World Experience:
Credit Risk Analyst January, 2016 to date:
Assess credit applications and make recommendations to the Credit
Committee, ensure compliance with service standards as per SLA terms to
support business growth and ensure efficient turnaround time (TAT) on

3. Cosmas Mutaiti Muia, PhD Candidate C.V. 2016 Page 3 of 5
facility approvals. Provide advice and guidance on all aspects of credit
including policy and procedures, as may be required by corporate banking
team and branch credit teams. Ensure customer complaints and enquiries on
credit matters escalated to Credit Head Office are prudently and effectively
resolved. Monitoring and monthly reporting of portfolio performance and
Portfolio at Risk (PAR) with a view to making appropriate
recommendations on the target scheme. Provide technical input in
development of new or repackaged credit products and support review from
time to time of the policies and processes governing lending in the bank.
Assist to develop and ensure adherence to the Bank’s Credit Policy and
CBK Prudential guidelines and best practice in approval and conduct of
facilities within the delegated limits.
Relationship Manager January 2012 to December, 2015:
Growth of new business in both assets and liabilities for the branch,
relationship management to existing, new clients and exploring business
opportunities, credit administration on loans portfolio. Initiating the process
of securities perfection and documentation in a timely
Manner, Team monitoring performance to ensure achieves its overall
business targets. Reviewing the credit applications and call reports by the
Relationship Officers and making appropriate recommendations to the
approving authorities Ensure compliance with bank procedures and policy.
People management, providing feedback to Management on customer
requirements and market trends. Ensure quality service delivery within
prescribed TATs. Authorization of transactions, TTs and RTGS and
Reviewing and signing Letters of Offer and Letters of guarantee as per
policy.
Branch Operations Officer March 2011 to December 2011:
Assisting tellers reconcile their cash in the evening and receiving and
confirming cash paid into vault by tellers, ensuring safe keep of tellers’ tills
and banks valuables in strong room and authorizing payment and deposits
above teller’ limits. ATM reconciliation, confirming of all transactions
posted by tellers daily through various reports. Authorization opening of
KYC compliant accounts and general support to colloquies to ensure good
working environment. Handling customer complaints and complements, and
advising customers as well as cross selling banks products and loans growth
and deposit mobilization and growing accounts numbers as well as KYC
compliances.

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Head Clearing, Remittances and Payments May 2009 to February 2011:
Supervising other clearing staff in carrying out their duties and
counterchecking both captured outwards and inwards cheques, confirming
both inwards and outwards EFTS and direct debits and facilitating the
physical cheques to clearing house. Ensuring balancing all the cheques and
efts and direct debits and liaising with other departments and banks to
ensure all work is done and overall support/co-operation with other
interrelated departments; treasury, branches and central operation.
Teller March 2007 to April 2009:
Receiving and paying out cash, customer advisor and daily reconciliation of
cashier’s position. Cross –selling banks products and taking any other
responsibility assigned and responding to customers enquiries.
Other Courses Credit Administration, Basic Banking, Total Quality Management (TQM),
Customer Service, Advanced Credit Analysis, Credit Management,
Agriculture Value Chain among others.

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REFEREES
1. DR. Job Omagwa,
Lecturer- Department of Finance and Accounting, School of Business,
P. O Box 43844, 00100, NAIROBI,
KENYA.
Email: omagwa.job@ku.ac.ke
Cell: 0721 802 114
2. MR. Samuel Kyama Nzioka,
Consolidated Bank of Kenya Ltd,
P O Box 51133 00200,
NAIROBI,
KENYA.
Email; samkyam@gmail.com.
Cell; 0724 363 301.
3. MR. Aloise Kitaka Ndunde, PhD Student
Lecturer- Department of Economic Theory, School of Economics,
Jomo Kenyatta University of Science and Technology,
P. O Box 17861 20100,
NAKURU,
KENYA.
Email:aloiskitaka2014@gmail.com.
Cell: 0720 050 459.