The document provides details about Martin N. Gachukia's career and qualifications. It summarizes his 7 years of experience in credit risk analysis, credit administration, collections, portfolio management, and operations at National Bank of Kenya. It also lists his educational background, including a Master's degree in Project Planning and Management from the University of Nairobi.

1. HIGHLIGHTS
Credit Risk Analysis
Credit Administration
Collections & Remedial
Management
Credit Monitoring & Control
Portfolio & Relationship
Management
Credit Management
Information & Reporting
Securities & Documentation
Custodial Services & CDSC
Operations
Prudential Guidelines, KYC
& AML
Core banking systems
MS Office & other specialist
office software
PERSONAL TRAITS
Fast learner
Analytical
Dependable
Attention to detail
Organized
Motivated & enthusiastic
Strong work ethic
Articulate
Team player & a self starter
PERSONAL DETAILS
Martin
N.Gachukia
P.O. Box 50862,
00100 Nairobi.
M: 0722956375
M: 0733215181
E:martingachukia@yahoo.com
Martin N. Gachukia
SUMMARY
A resourceful and results driven banking professional with seven years experience in
business, mortgage, asset and consumer financing, credit administration, collections and
remedial management, relationship and portfolio management, custodial services, cash
handling and treasury operations seeking a position within an organization which will allow
me to utilize my professional and educational skills at optimal levels thereby contributing to
its growth and significance
CAREER ACHIEVEMENTS
 Over the course of five years as a branch credit officer, I was involved in growing the
branch loan book by 312% through aggressive sales and promotion of a wide range of
loan products and the successful on-boarding of qualifying applicants.
 Over the same period, through careful analysis and evaluation, documentation and
administration, collections and recoveries, I helped the branch business unit maintain
overall portfolio delinquency at below 5% at all times.
 Progressively trained and mentored more than ten junior credit officers who are now
serving as seasoned loan officers (analysts, administrators and remedial officers)
 Oversaw realization of security properties and closure on three recovery files. Also led a
securities foreclosure exercise on non performing IPO loans leading to a cleanup of that
portfolio.
 As a trained custodial services branch champion, I was involved in the introduction of
an alternative bank service aimed at capturing the investment community within Meru
town. I successfully conducted the Safaricom and Co-op Bank I.P.Os and K.C.B Rights
Issue and enrolled a significant investment client base into the N.B.K Custodial
Management Unit. Also tasked with training branch staff on Custody operations
 Within two weeks of serving as a newly trained cashier, my quick learning abilities fast
tracked a promotion to chief cashier role. A position where I served for eight months
ensuring zero occurrences of asset losses and maintained over 95% teller balancing
average
 Involved in reducing bank’s excess position by 60% over the course of one year
working as a credit monitoring and control analyst. Also greatly improved collection
strategies maintaining grade 1 and 2 accounts at below 1% delinquency
 Developed credit monitoring and control systems and procedures such as the covenants
tracking diary and a file and documents movement process and pushed for their adoption
bank wide
 Greatly improved processes as a business banking relationship officer assisting the Head
of SME business segment, contributing to improved customer satisfaction index and
turnaround times
 Spearheaded an aggressive collections plan within the SME business unit that led to
substantial reduction in overdue loan repayments and overdrafts within six months
PROFESSIONAL EXPERIENCE
Relationship Officer (Business Banking) 10/2014 to 03/2015
National Bank (K) Ltd
 Supported the Head of SME Business segment with all administrative functions under
the segment
 Supported the Relationship Managers under the segment in new business/client
acquisition and management of existing relationships
 Tracked customers applications for credit facilities and liaised with the origination
team, approvers, securities & documentation team, disbursement and credit operations
units to ensure timely processing of the segments business in accordance to the set
turnaround times
 Updated on a weekly basis the pipeline reports, utilization reports and segment’s loan
book performance reports for presentation during Executive Credit Committee meetings
 Extracted various credit and account performance reports from the banking system and
disseminated tailor made reports to the Relationship Managers for use in their portfolio
management
 Attended credit monitoring and control meetings such as Early Alerts meetings and
provided updates regarding the SME Business portfolio performance

2. PROFESSIONAL EXPERIENCE (CONT.)
Credit Monitoring and Control Analyst 09/2013 to 10/2014
National Bank (K) Ltd
 Participated in assessments of the Bank's lending units to assess overall asset quality,
risk and compliance with established underwriting policies, procedures, limits and
concentrations
 Ensured underwriting credit analysis is sound and justifies/mitigates identified credit
risk
 Ensured integrity of portfolio monitoring and quality control processes
 Ensured appropriate timely collection, default management, and foreclosure strategies
are in place and followed
 Reviewed required documentation for loan review testing, inclusive of file reviews
 Followed up and recommended remediation from prior reviews
 Participated in onsite examinations of enterprises and securities
 Prepared written summary report of findings/observations
 Stepped in to help relationship managers tackle complex customer complaints
Chief Teller 01/2013 to 08/2013
National Bank (K) Ltd
 Ensured transaction processing standards were met and maintained a high level of
customer service standards
 Ensured that cash is balanced for the tellers as well as total cash holding at the Bank at
the end of the working day. Checked entries passed for cash excesses or shortages if
any.
 Ensured optimum cash management at all times
 Exercised custodianship of cash held by tellers and cash held in ATM as well as main
vault
 Ensured that cash in ATM located in the branch is balanced and replenished with
sufficient cash and that the ATM is operational at all times
 Ensured that procedures laid down in Operations Manual are followed and proper
control is in place to avoid operational losses / risks
 Ensured that soiled notes were repatriated to the Central Bank at regular intervals.
 Arranged new notes stock for festive seasons and weekends
 Achieved assigned product sales & other targets by cross-selling to walk in/existing
customers & by contacting potential customers outside the bank
 Ensured error free transaction processing at the teller area
Senior Credit Officer (Branch Lending Committee) 05/2008 to 01/2013
National Bank (K) Ltd
 Received, analyzed and recommended approval or decline of applicants requests
for banking facilities in accordance with laid down lending guidelines
 Adhered to all policy and prudential guidelines relative to business, mortgage,
asset and consumer lending.
 Analyzed applicants' financial status, credit, property and enterprise evaluation to
determine feasibility of granting loan.
 Educated customers on the variety of loan products and available credit options.
 Prepared post approval securities documentation and facilitated perfection of the
same
 Performed pre-disbursement checks on facilities and processed loan
disbursements upon compliance.
 Performed post disbursement credit administrative functions including filing, safe
custody, arrears collections, monthly loans reviews and periodic securities
reviews.
 Managed the non-performing loans through renegotiations and restructuring,
realization and foreclosure of securities and other legal mechanisms as prescribed
in lending guidelines
 Performed periodic portfolio performance reviews including risk classification of
assets and recommended essential provisioning

3. REFEREES
Donesio K. Kimari
Fmr. Branch Manager
National Bank (K) Ltd
Meru Branch
Cell: 0715006311
John Njoroge
Manager Credit Monitoring
National Bank (K) Ltd
P.O. Box 72866 – 00200
Nairobi
Cell: 0701545665
Alice N. Kario
Ag. Director BB
National Bank (K) Ltd
P.O. Box 72866 – 00100
Nairobi
Cell: 0722271882
Beatrice C. Ndurya
Head of Credit
Gulf Bank (K) Ltd
P.O. Box 43683 – 00100
Nairobi
Cell: 0722756776
 Generated monthly and quarterly Credit Management reports and Central Bank
reports
 Marketed the banks products as part of the branch sales team through indoor &
outdoor sales activities
 Conducted research on competition and market demands and trends and put
forward recommendations to management
Relationship Officer – Custodial Services & C.D.S.C Operations 05/2008 to 01/2013
National Bank (K) Ltd
 As Branch Custodial Services Officer and Champion, I was tasked with the
responsibility of helping the bank introduce an alternate financial service and mainly
responsible for assisting old and new investment clients with securities digital and
physical safe keeping including immobilization of share certificates, account
administration, sales and purchase transaction settlements, collection of dividends,
AGM notifications and transfer of securities including succession instances.
 Successfully conducted the Safaricom and Co-op Bank I.P.Os and K.C.B Rights Issue
and enrolled a significant investment client base into the N.B.K Custodial Management
Unit.
 Processed the pledge and pledge release of shares used as securities for bank facilities
 Marketed the bank’s custodial services through cross and opportunity selling to my
credit portfolio clients
 Also tasked with training branch staff on Custodial Management & CDSC Operations
EDUCATION
Master of Arts: Project Planning & Management 2012
University of Nairobi - Kenya
Bachelor of Arts: Economics - Second Class Upper Division 2007
Egerton University – Nakuru, Kenya
C.P.A: Part II 2001
Strathmore University – Nairobi, Kenya
K.C.S.E: Grade B 1999
Mangu High School – Thika, Kenya
K.C.P.E: Grade A 1995
St. Martin’s Boys – Murang’a, Kenya
VOCATIONAL TRAINING
Credit Analysis and Management 2012
National Bank (K) Ltd
Bank Staff Sensitization Workshop on Credit Information Sharing 2010
C.B.K, K.B.A & F.S.D.T
Passing Clerks & Cashiers Course 2009
National Bank (K) Ltd
Banking Induction Course 2009
National Bank (K) Ltd
C.D.S.C Operations & Custodial Management 2008
National Bank (K) Ltd
Customer Service and Call Centre operations 2007
HOBBIES
 Travelling and meeting new people
 Reading and watching motivational and inspirational literature
 Music; guitar and song writing
 Sports; football and motor sports