CURRICULUM VITAE
BIODATA
NAME:
Kitoto O. Gilbert
AGE:
35 years
SEX:
Male
I.D NO:
20336162
MARITAL STATUS: Married
RELIGION:
Christian
LANGUAGES SPOKEN: English, Swahili, Luo, Kikuyu
ADDRESS:
C/o Sospeter Kitoto, Bank of Baroda, P.O. Box 996-40100 Kisumu.
MOBILE:
0727 223122, 0735454544, 0726 508629
E-MAIL:
musakitoto@yahoo.com, ambiamusa@gmail.com,
MISSION:
To ultimately use my skills in asset management, accountability & communication as tools of development and
poverty eradication in the society through wish credit lending to enhance their purchasing power.
WORK EXPERIENCE:
2011- To date
Associate Faculty:-
- At Mount Kenya University Kakamega Campus teaching BDS, BBM, B,COM and MBA Students, Business
Law, Accounting for Assets and Liabilities, Legal Aspects in Development, Fundamental of Accounting,
Taxation, principles of risk management and insurance, and Principles’ of Banking and Finance.
- At Kisii College of Accountancy for the last one year handing CPA students in finance management,
statistics, banking, taxation and marketing.
- At Masinde Muliro University of Science and Technology, Kakamega and Bungoma Campus teaching BBM,
B,COM Students, Business Law, Accounting for Assets and Liabilities and Banking.
2007– 30th June 2011
Credit Bank ltd
Kisii-Nyanza
ASSISTANT BRANCH/OPERATION MANAGER
Position purpose
To ensure at all times efficient branch operations, observance/implementation of corporate values, provision of
acceptable customer relations within the bank regulations (KYC, Operations policy, HR policy, prudential
guidelines, Risk policy, internal audit control etc.).
Key Result Areas:
1: Branch Cash Management
 Observe the cashiers limit and the Bank main safe limits and confirmation of the same.
 Ensure appropriate insurance cover for cash is within the provision set in the contract (cash in the main
safe/ cash in transit)
 Supervise cash transactions (deposits, withdrawals) in the Banking system and reconcile the report
with content in the main safe.
 Reconcile daily cashiers’ transactions (Local/foreign currency register) alongside the closing balances
in the cash tills.
 Monitor and supervise the cash levels in the bank and facilitate cash deposit/withdrawal to/from CBK or
other banks as per the banks regulation and risk policy.
 In liaison with branch manager, maintain the register on security stationery held in the vault
(Bankers cheque, Counter cheques, FD certificates, Main safe register, Loan/Account opening files
etc).
Supervise and submit timely monthly management reports within the set guidelines (1-10th of every
month) e.g. main safe balance, cash balance, FCY balance, risk compliance report, clearing
reconciliation etc.
2. Relationship and accounts management
 Monitor, reconcile and supervise customers’ accounts (deposit, new, dormant) in compliance with KYC
guidelines.
 In liaison with Branch manager, cross sell the Bank’s products and respond to customer queries
promptly and handle all loan applications submitted.
 Handle all customer queries and ensure prompt feedback/closure on the same.
 Print and verify customers statements on monthly basis. Post customers statement via email on daily
basis.
 Verify daily entries passed through G/L accounts (Inter-branch, inward/outward cheques forex
T.T/Bankers cheque account)
 Open new accounts within the stipulated KYC and AML guidelines.
 Supervise and ensure provision of CBL acceptable standards of customer services at all times.
3. Handling of Clearing section
 Verify the cheque book series, validation
 Reconcile and verify if the cheques debited/credited are posted into right accounts. Balancing of inward
and outward cheques
 Daily Reconciliation of clearing adjustment accounts
 With customer’s instruction, implement the stop payment instructions.
 Supervise and verify the internal posting.
 Verify all outgoing EFTs/PAYE/VAT/RTGS are posted correctly in banking system.
 Release unpaid cheques to customers with consultation of the supervisor.
 Monitor and control the branch security status at all times.
4. Operations and controls
 Achieve the Banks Risk management control standards and ensure compliance.
 Monitor and supervise all branch operations voucher movement register.
 Signing of banker’s cheques, bank correspondence (letter, documents and internal vouchers).
 Ensure proper filing of branch documents by undertaking monthly snap checks on the same
(Outward/inward clearing schedule, FD certificates etc).
 Supervise by ensuring that all details in RTGS are accurate and proper and that the same is posted
promptly.
 Monitor and ensure that all CCTVs’ are functioning at all times by conducting snap checks on the same.
 Monitor and reconcile pre-paid expense accounts and do adjustments on monthly basis.
 Ensure that all bills that are due are paid on time (electricity, water, telephone etc).
5. Staff Administration and supervision
 In liaison with branch manager, monitor and supervise all branch staff movement and attendance by
monitoring the staff attendance register.
 Facilitate branch performance management reports and submit to HR annually within the set guidelines
and timelines.
 Support facilitation of training to all branch employees.
 Ensure branch annual leave schedule is submitted to HR by January of every year and full utilization of
the same.
6. Credit and relationship management
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In liaison with Branch manager, cross sell the Bank’s products and respond to customer queries
promptly.
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Receive and guide and advice customers on issues concerning Loan applications.
In liaison with Branch manager, vet the loan applications and prepare credit proposals to head office credit.
Review and renewal of all facilities (loans, overdrafts, guarantees, IPFs and letters of credit etc).
In liaison with Assistant manager/branch manager, ensure safe custody of securities e.g Loans files
and security documentation.
Open bank accounts within the stipulated KYC guidelines.
In liaison with Branch manager, cross sell the Bank’s products and respond to customer queries
promptly.
Monitor and verify clients credit(loans/overdrafts) data at all times (check interest charged, personal
details, validity of security given)
Handle all approved offer letters/guarantee forms/letters of lien to ensure that all charges and all the
securities are in order (signed by customer, witnessed and stamped by lawyer, letter verified by
witness.
Print interim customer statements on need basis.
Generate monthly branch progress reports and forwards the same to head office.
Facilitate debt recovery by issuing of reminder letter/liaising with advocates to issue demand letters and
notice and forward the same report to head office.
Generate monthly reports on loans and commission and forward to credit manager – head office.
2007 -- 2006
Credit Bank Kenya Ltd
Kisumu
CLEARING OFFICER/MANAGEMENT TRAINEE
 In charge of Clearing department (processing of Outward & Inward Cheques, EFT, PAYE, Salary,
Direct Debits/Credits, Standing orders/Instructions.
 Maintaining fixed deposit & Fixed Assets register and receipts. In addition to maintaining service
contract.
 Opening and closing of accounts. Reconciliation of all General Ledger and preparation all CBK reports.
 Daily Cash confirmation and system maintains. Worked at Kisumu before being transferred to Kisii as
Assistant Branch Manager.
2006 – 2004
Credit Bank Kenya Ltd
CASHIER cum CLECK
 Receiving and payment of cash.
 Passing of vouchers I.e. debit.
 Processing of outward.
Kisumu
2004—2003
 Worked with an Audit Firm John Cumming based in Kisumu doing book keeping and audit for three
months.
 Worked as an Accountant in Business Development section of KDCCB LTD (Kolhapur District Central
Co-operative Bank Ltd - India) Where I was for attachment four months.
 Worked as a part-time lecturer at KIT/IMER College Kolhapur India teaching Accountancy and
Statistics.
EDUCATIONAL BACKGROUND:
2001 – 2003
Shivaji University
India
Master in Business Administration (MBA) major in Finance and Marketing and obtained First class Honors.
Research paper was based on what Role technology and Microfinance cum co-operative institutions play in
poverty eradication.
1998-- 2001
Shivaji University
India
Bachelor of commerce (B.Com) major in Advanced Accounting and Auditing obtained second class.
1999-- 2003
Global Infosys
India
Diploma in computer hardware and programming (Visual Basics 6.00, UNIX, Linux, Windows, Tally, Adobe, C,
C++ ).
1993-- 1997
DHT Secondary School
Member of Science, hockey club. Second from the school in KCSE
Kisumu
1985 – 1992
Nyahururu Primary School
Was the best Math’s student in the district.
Nyahururu
OTHER ACHIEVEMENTS:
Current member of Kisii Sub-branch Kenya Bankers SACCO Society
Current patron of Kisii Campus Accounts and Audit club.
Served as a Vice-Chairman of KASA (Kenyan African Student Association) Kolhapur- India.
Participated in so many Seminars in relation to management and social empowerment.
Attend workshop on Credit Management, Credit policy formulation, implementations & Processing and Credit
Reference Bureau as directed by CBK.
CAPABILITIES & SKILLS:
Good verbal & written communication skills
Highly motivated and energetic
Ability to work long hours under pressure with minimum or no supervision.
Good planning, organizing, coordinating and evaluating for organizational development programs
Good interpersonal relation skills and team player
Go getter and willingness to take responsibility
Optimistic, Loyal and trustworthy
Proficiency in Microsoft office suite, PageMaker, Adobe premiere and other design programs
Ability to diagnose and troubleshoot most PC errors.
High affinity for new & emerging technologies.
CAREER OBECTIVE AND PLANS
To be a leading financial consultant in Kenya to achieve this I have to finish my CPA as in banking industry
there is litter time for career and self development. That’s the reason for career switch.
SALARY SCALE
Current gross salary Kshs. 99,000.00
Expected salary Kshs. 120,000.00
REFEREES:
Professor Aldrin Wanambisi
Mount Kenya University
P.O Box 553 – 50100 Kakamega
Email: kakamegacampus@mku.ac.ke
Mr. Amos Okungu
Sheila yieke company advocate
P.O Box 1159-40100 Kisumu
Tel: 0737439388, 0721439488
E-mail: macokungu@rediffmail.com
Mr. Franklin Kamau
Credit Bank Kenya Ltd
P.O. Box 3763-00100 Nairobi
Tel: 0720-403133 or 020-2222300/17
Fax: 057-2022160
E-mail: mkamau@creditbankltd.co.ke
Signature:
Date: 19th July 2013