SUMMARY:

• To contribute positively to the achievement of organisations objectives while excelling in my accounting and economics professional career and other related fields, extensive work with Confidential and pastel accounting packages and other spread sheets software, capable of adapting to new accounting packages
• An ambitious, versatile and results oriented banker, accountant, treasury officer and credit analyst focused on value - addition and positive contribution towards attainment of set organizational and personal goals through maximization of acquired skills, capabilities and competences.
• I possess a good wealth of knowledge and understanding in general banking operations, products and regulations with specialization in writing business proposals, management accounts, taxation, management, administration and monitoring, customer service, relationship management and financial, credit risk assessment, business and lending analyses. Practical training and experience spanning over five years cuts across key banking operations such as cash, transfers, customer service, account opening, clearing, treasury & foreign exchange, compliance, marketing, credit and finance.
• High personal motivation, Self-Esteem, detail oriented and quick learner with the ability to take responsibility, meet deadlines and work efficiently with minimal supervision.
• Ability to share responsibilities and rewards with a network team of colleagues.
• Expressive and considerate communication skills, eagerness in meeting and working directly with clients.
• Able to excel in a dynamic environment with changing priorities and able to take a constructive team approach to work with industries and government partners.
• Ability to work well in a team while also using own initiative.
• Ability to work in a highly regulated environment with good professional ethics.
• Ability to handle highly sensitive and confidential information with the higher level of discretion.
• Able to analyse and synthesize data from a wide range of sources, and present the resulting information in a clear summary

COMPUTER SKILLS:

• SPSS, Excel and Stata
• Knowledge of Microsoft Office products, including Word, Excel, PowerPoint and Outlook, Data Base Design, Web design with good internet skills
• Flex Branch banking system, Flex Cube Banking System, Pastel accounting, Sage pastel evolution
• Petra, Sage Pastel, Accounting system, selecting new accounting software, established a full accounting system.

STRENGHTS:

Hard working, able to work with minimum supervision, Self-Esteem, Self motivated, team worker and creative and innovative in the performance of duties. Easy to adapt in any situation

PROFESSIONAL EXPERIENCE:

Confidential

Responsibilities:

• Accept Cash deposits and record transactions in accordance to ensure that the client’s account is credited with the correct amount to avoid losses.
• Receive withdraw slips, verify clients particulars and pay out cash to clients to ensure the correct mount is paid to rightful clients to avoid losses.
• Records daily transactions in order to maintain a record for future retrieval and reference in case of a query.
• Verify cash transactions on a daily basis to make sure it balances, to ensure misposts, under payments or overpayments are identified in order to ensure that they are no differences in the vault.
• Reconcile the cash register in order to ensure that it balances with the general Ledger.
• Educate clients on the Bank’s products and procedures.
• Attend to client’s complaints to ensure their problems are resolved to satisfy their needs.
• Posts salaries to client’s accounts to ensure clients access their salaries.
• Reconcile the General Ledger as month end procedures and post salaries as month end wages and recoveries
• Posts recoveries for below minimum balance in order to collect the bank charge
• Purchase and sale of Forex
• Recording the traded receipts and issues monitoring the exchange rates computing the resource position of the company consolidating the weekly return from others branches
• And making international money transfers

Credit Analyst

Confidential

Responsibilities:

• Performs historical trend and ratio analysis, assesses cash flows, collateral, industry risks, guarantor strength and all other major risks to the Bank in lending to customers.
• Ensures compliance with the Bank Credit Policy, National Regulatory and Government Bodies' requirements.
• Directly contributes to bank profitability through booking of quality loans.
• Manages the corporate loan portfolio through proactive portfolio management Conducts credit risk assessment.
• Analyses applicants' financial status undertakes credit and property evaluation to determine feasibility of granting credit and makes appropriate recommendation to senior management.
• Assesses inherent vulnerability to risk within the total loan portfolio and addresses any deficiencies and control gaps.
• Directly monitors account limits and excesses to ensure minimal risk.
• Ensures all credits availed do not deteriorate to loss levels and proactively identifies and addresses any sign of deterioration.
• Monitors credit covenants agreed with customers.
• Closely monitors portfolio risk through weekly, monthly and quarterly reports.
• Develops and introduces innovative credit measures to improve the quality of the portfolio.
• Analyses credit data to estimate degree of risk in extending credit or lending money.
• Maintains expert knowledge on relevant legislative amendments, industry best practice and provides proactive advice and solutions to relevant stakeholders.
• Maximizes cross-selling opportunities through credit assessment and client portfolio analysis.
• Ensures compliance with governance terms of legislative and audit requirements.
• Markets commercial credit products and is responsible for returns of daily statistics

Treasury Officer

Confidential

Responsibilities:

• Writing of foreign exchange risk Exposure returns
• Reconciliation of Accounts with other Banks and also reconciling of Internal departmental Accounts i.e. Accounts payables/receivables.
• Investigation of outstanding from External and Internal reconciliation
• Writing of letters of transfer of funds and preparing vouchers for expenses Auditing/checking of daily vouchers from banking department, credit & settlement department.
• Inputting daily expenses transaction vouchers in the system, for accounts departments
• Writing weekly reports of Selected Assets and liabilities to Confidential
• Covering shortfalls and claim excess from the Statutory Reserve
• Management of weekly reports to Confidential of the Movement of assts and liabilities.
• Filing of daily transaction vouchers from all the Confidential
• Preparing vouchers for money market deposit slips, money market foreign exchange money market lending slips, money transfer slip and sending the swift messages and confirmations. Custodian of Vouchers
• Sending Confidential payments to Confidential s to be presented to Confidential daily
• Writing of weekly reports on foreign exchange placements in foreign related and correspondent organization to be presented to Confidential .
• Daily inputting of Exchange Rates in the System daily
• Leading the Confidential team and ensuring that all controls are adhered to. Ensuring AML and sanctions policies are also adhered to in day to day processing of payments.
• Ensuring that SLAs are adhered to in all areas i.e. query resolution, payment processing and reconciliations.
• Handling suspense accounts and ensuring all entries are investigated in a timely manner.
• Bank reconciliation
• Handled Cash Management
• Handled Credit Limit and authorised credit sales
• Follow up outstanding debts and analysed organisations cash flows and business performance
• Implemented credit control and monitored sales

Accountant

Confidential

Responsibilities:

• Control all balance sheet accounts by preparation of monthly reconciliations.
• Review accounts payable balance to ensure accuracy and propose actions and follow up.
• Monitor house banks and investments.
• Analyse and investigate cashiers over and shorts.
• Preparations of monthly bank reconciliation statements.
• Review and prepare input into the general ledger from various sources.
• Prepare month end journals.
• Prepare monthly Financial Statements for distribution to department heads and executives.
• Prepare asset purchase/disposal to owners.
• Approve payment requests, employee advances and petty cash prior to payment.
• Preparation of statutory returns to regulatory authorities ie VAT, PAYE, pension contributions to NAPSA and withholding tax on management fees.
• Assisted in budget preparation and input, forecast reports and monthly reporting to the corporate office.
• Report directly to the Finance Manager on all matters pertaining to financial and internal controls.
• Implement and maintain acceptable accounting practices as required by company policy and International Financial Reporting Standards (IFRSs).
• Maintain records for internal and external audit and ensure compliance with government regulations and contractual agreements.
• Manage day to day activities, planning and assigning work and establishing performance and development goals for team members.
• Improve team member performance and recognise good performance.
• Educate, train and motivate team members to achieve company goals

Acting Finance Manager

Confidential

Responsibilities:

• Preparation of monthly Management Reports and review of Balance Sheet items.
• Preparation of monthly audit files for Internal Auditors and attend to all taxation matters.
• Coordination of annual budget preparations and ensure Budgetary Control.
• Payroll management.
• Preparation of Financial Reports in accordance with IFRs (International Financial Reporting Standards)

Junior Accountant

Confidential

Responsibilities:

• Maintain petty cash for the Mulungushi University, paying utility bills e.g. electricity, water bills and rentals.
• Management of payroll system, PAYE management, NAPSA Management
• Computations of wages allowances for casual workers and senior staffs respectively.
• Assets registration and depreciation computation, Income Taxation.
• Bank reconciliation statement rganize invoices for payment, Preparation and coordination of audits process
• Internal controls, Reconciliation of payments, Prepare analysis of accounts, Prepare journal entry up trail balance, Maintain cash book and petty cash book, Prepare batches for sale and purchases day book
• Following up long outstanding debtors, following up outstanding debts, VAT returns management