ACKIM THOLE
Accountant
LUSAKA,09
Summary
Dynamic and results-driven professional with a keen eye for identifying operational deficiencies and seizing opportunities to enhance business performance. Adept in human resources, accounting, operations planning, and information systems management. Known for employing tact and diplomacy to effectively navigate challenges. Collaborative team player with strong interpersonal and communication skills, capable of influencing cross-functional collaboration to achieve organizational objectives.
Overview
19
19
years of professional experience
Work History
School Principal
Chongwe Young Learners Academy
02.2023 - Current
- Responsible for providing strong leadership within the school community, setting a clear vision, and guiding staff, students, and parents towards common goals
- Managing the day-to-day operations of the school, including overseeing budgets, scheduling, staffing, and facilities maintenance, to ensure smooth functioning
- Ensuring that the curriculum aligns with educational standards, overseeing its implementation, and supporting teachers in their instructional practices to enhance student learning outcomes
- Establishing and enforcing policies and procedures to maintain a safe and orderly learning environment, addressing disciplinary issues promptly and fairly
- Building positive relationships with parents, guardians, community members, and other stakeholders to foster support for the school and promote collaboration in improving educational outcomes
- Providing opportunities for professional growth and development for staff members, including mentoring, training, and coaching, to enhance teaching effectiveness and promote continuous improvement
Assistant Internal Auditor
APG Milling
01.2022 - 01.2023
- Identified and communicated audit discrepancies and concerns
- Proposed innovative strategies to enhance internal controls and streamline operations
- Conducted comprehensive internal audits of financial and departmental functions, including risk evaluations and procedural reviews
- Investigated and resolved discrepancies encountered during audits
- Provided training to new staff on company protocols, procedures, and timelines
- Assumed supervisory responsibilities in the absence of the manager
- Improved company's compliance with regulations by assisting in the development of robust internal policies and procedures.
Acting Branch Manager
Cavmont Bank Limited
06.2019 - 08.2019
- Tasked with managing and supervising branch operations and leadership
- Enforced consistent and exceptional customer service standards throughout all branch interactions
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Provided guidance and mentorship to branch teams to foster a culture of continuous learning
- Maintained strict adherence to both Bank and Regulatory Authority policies at all times
- Maintained friendly and professional customer interactions.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Complied with regulatory guidelines and requirements.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
Branch Administrator
Cavmont Bank Limited
05.2015 - 06.2019
- Ensured full adherence to Anti-Money Laundering Act and Know Your Customer (KYC) policy, along with compliance with all Bank policies, procedures, and regulatory requirements
- Provided effective supervision of 3 tellers, ensuring proper cash handling procedures, adherence to limits, daily reconciliation, reporting of discrepancies, and consistent dual control measures
- Conducted monthly snap checks and meticulously reviewed findings
- Collaborated with senior management to develop strategic plans for branch expansion and improvement initiatives.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Complied with regulatory guidelines and requirements.
- Consulted customers to boost product sales and services.
- Examined customer loan applications for loan approvals and denials.
- Handled confidential information professionally safeguarding sensitive company data at all times.
- Managed daily operations to maintain smooth workflow, overseeing scheduling, inventory management, and task delegation.
- Strengthened customer relationships by delivering top-notch service, understanding client needs, and offering customized solutions.
- Effectively resolved conflicts among staff members by utilizing excellent interpersonal skills diplomacy.
Credit Collateral Officer
Cavmont Bank Limited
06.2013 - 04.2015
- Organized and completed loan applications for review by underwriters, following banking standards and government lending regulations
- Evaluated applicants' financial standing, creditworthiness, and property assessments to determine loan viability
- Obtained and assessed credit reports, references, and financial statements to establish credit limits for new accounts
- Reviewed income, credit history, and employment records for each borrower to verify eligibility
- Examined financial statements to assist in determining credit limits and feasibility
- Verified property appraisals, title information, and insurance documentation for accuracy
- Assessed client capabilities and account details to make informed credit approval decisions
- Conducted interviews with credit applicants to gather necessary personal and financial information
- Investigated and assessed customer creditworthiness and potential risks
- Communicated with clients to confirm account details, address inquiries, and resolve issues, ensuring high customer satisfaction and brand loyalty
- Collaborated with clients to establish terms for approved credit requests
- Maintained accurate records of customer transactions and payments
- Referred overdue accounts to collections or external resources
- Oversaw the daily operations of the branch's credit management division, regularly reviewing financial analysis reports and credit modeling against bank policies
- Analyzed and proposed revisions to bank credit and lending policies, ensuring adherence to guidelines and cost recovery
- Met credit control assessment goals, evaluating all loan applications, overdraft facilities, and bank guarantees
- Examined lease documents and recommended suitable schemes based on customer preferences
Back Office Supervisor
Cavmont Bank Limited
04.2012 - 05.2013
- Executed precise reconciliation of multiple accounts as part of monthly and annual procedures
- Managed back office personnel and oversaw salary processing via DDAC, including the preparation of outward clearing cheques
- Facilitated customer requests such as bank certified cheques and drafts, ensuring efficient processing
- Compiled and prepared Know Your Customer documentation for new account openings
- Orchestrated office operations, directing daily activities and managing correspondence
- Monitored and replenished inventory for back-office supplies, computers, and workstations
- Boosted customer satisfaction with timely resolution of issues and complaints.
- Ensured compliance with relevant regulations governing back office processes, mitigating potential risks or violations effectively.
- Facilitated collaboration among team members through regular meetings, discussions, and brainstorming sessions focused on problem-solving techniques.
Customer Advisor
Cavmont Bank Limited
07.2011 - 03.2012
- Provided prompt and efficient customer service, adeptly addressing inquiries, requests, and complaints with precision
- Offered detailed information to customers regarding available products, services, and promotions, ensuring a comprehensive understanding
- Successfully met and exceeded assigned sales targets, demonstrating strong sales acumen
- Managed the process of ordering and issuing ATM cards to customers, ensuring accuracy and security
- Conducted reconciliation of internal accounts, maintaining accuracy and compliance with established protocols
- Interacted with customers courteously and professionally, handling inquiries and suggestions with care and expertise
Vault Custodian
Cavmont Bank Limited
05.2009 - 06.2011
- Coordinated the repatriation of cash to the Bank of Zambia, ensuring compliance with regulatory requirements
- Oversaw the management of the vault and cash reserves across all tills, maintaining accuracy and security
- Efficiently managed bulk stock and foreign exchange operations, optimizing resources and minimizing risk
- Properly processed deposits, withdrawals and payments for average of 60 customers daily.
- Supported, trained and encouraged 4 employees to actively cross-sell financial institution service and product offerings.
Bulk Teller
Cavmont Bank Limited
08.2007 - 04.2009
- Managed bulk cash deposits and payments for customers, ensuring efficient and secure transactions
- Supervised a team of 2 bank tellers, meeting reconciliation deadlines, and conducting cash verifications at the Bank of Zambia
- Balanced cash drawers daily and resolved discrepancies to provide precise insights into cash flow
- Addressed customer inquiries regarding account details, transaction history, fees, and interest rates, delivering comprehensive assistance
- Processed customer transactions promptly, minimizing wait times and enhancing customer satisfaction
- Disbursed cash and checks accurately, maintaining the integrity and security of cash drawers
- Conducted highly accurate and high-volume money counts using both manual and automated methods
Teller
Cavmont Bank Limited
05.2006 - 07.2007
- Managed all cash deposits and withdrawals at the counter, ensuring accuracy and efficiency
- Conducted daily balancing of cash drawers, swiftly resolving any discrepancies to maintain precise cash flow records
- Addressed customer inquiries regarding account balances, transaction history, fees, and interest rates, delivering comprehensive assistance
- Processed customer transactions promptly, prioritizing minimal wait times and enhancing customer satisfaction
- Accurately disbursed cash and checks while upholding the security protocols of cash drawers
- Maintained an in-depth understanding of banking procedures, products, and services to provide informed assistance to customers
Education
BACHELOR OF SCIENCE - ACCOUNTING AND FINANCE
University of Zambia. Institute of Distance Education
LUSAKA01.2026
Bachelor of Arts - LIBRARY & INFORMATION SCIENCE WITH DEVELOPMENT STU
University of Zambia.
LUSAKA09.2017
DIPLOMA IN ACCOUNTING - TECHNICIAN
National Institute of Public Administration.
LUSAKA08.2007
DIPLOMA IN INFORMATION SYSTEMS - PROGRAMMING
National Institute of Public Administration.
LUSAKA08.2004
GRADE 12 SCHOOL CERTIFICATE -
Isoka Secondary School
ISOKA11.1997
Skills
- Skilled in Payroll System
- Skilled in Regulations and Statutory Compliance
- Customer experience
- Sales targets monitoring
- Team building
- Policy implementation
- Branch maintenance
- Risk management
- Accounting skills
- Customer service skills
- Developing forecasts
- Business plans
- Financial objectives
- Proposing corrective actions
- Motivational skills
- Coaching
- Mentoring
- Bookkeeping
- Reconciliation
- Staff management
- Instructional leadership
- Ethical leadership
- Student engagement
- Collaborative learning
- School safety
- Discipline
- Administrative management
Notablesuccesses
- As Branch Administrator - Cavmont Bank, Supervised the team and successfully elevated the branch annual audit-based rating from a weak audit to a satisfactory audit in 2016., Provided a lot of operational leads which yielded good sales and increased revenue for the branch., Effectively coordinated in-house training and coaching which greatly contributed to the branch exceeding bank operational targets. All members of staff had good knowledge of the bank's products and services and provided exceptional customer care service.
- As Credit Officer, Successfully processed credit requests of up to US$200,000 in 2014 including accompanying risk analysis.
Training
- Customer Care Service
- Brand Building
- Anti-Money Laundering Awareness
- Cashiering
- Branch Operations Trainings
Timeline
School Principal
Chongwe Young Learners Academy
02.2023 - Current
Assistant Internal Auditor
APG Milling
01.2022 - 01.2023
Acting Branch Manager
Cavmont Bank Limited
06.2019 - 08.2019
Branch Administrator
Cavmont Bank Limited
05.2015 - 06.2019
Credit Collateral Officer
Cavmont Bank Limited
06.2013 - 04.2015
Back Office Supervisor
Cavmont Bank Limited
04.2012 - 05.2013
Customer Advisor
Cavmont Bank Limited
07.2011 - 03.2012
Vault Custodian
Cavmont Bank Limited
05.2009 - 06.2011
Bulk Teller
Cavmont Bank Limited
08.2007 - 04.2009
Teller
Cavmont Bank Limited
05.2006 - 07.2007
Bachelor of Arts - LIBRARY & INFORMATION SCIENCE WITH DEVELOPMENT STU
University of Zambia.
BACHELOR OF SCIENCE - ACCOUNTING AND FINANCE
University of Zambia. Institute of Distance Education
DIPLOMA IN ACCOUNTING - TECHNICIAN
National Institute of Public Administration.
DIPLOMA IN INFORMATION SYSTEMS - PROGRAMMING
National Institute of Public Administration.
GRADE 12 SCHOOL CERTIFICATE -
Isoka Secondary School
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