Blessed Nkunika
Lusaka
Summary
Independent Consultant with combined experience of over 18 years having operated in fields of Banking and Finance with experience in Commercial Banking, Corporate Banking,Treasury Management, Economic Analysis, Business Development, Portfolio Management, Investment, Strategy. Dedicated to offering transformative and revitalizing support for ever-changing requirements. Offers strengths in relationship building, business development and procedure optimization. Looking to broaden scope, ability and competencies while delivering value.
Overview
18
18
years of professional experience
Work History
Independent Consultant
01.2018 - Current
- Areas of Specialization Banking and Finance, Investment, Credit Management, Corporate Banking, Treasury Management, Financial Management, Business Development and Strategy
- Engagement with clients for purposes specified in categories above
- With experience in; proposals development for financing, funding, technical assistance
- Participation in feasibility studies
- Advisory services in; Credit Management, Portfolio Management, Capacity Building, structured finance, Concept Development and transaction consultancy.
Head Corporate Banking
Intermarket Banking Corporation
12.2012 - 07.2016
- Oversight of coordination, management and strategy for banks corporate banking origination and coordination of relationship management of corporate Clientele
- Oversight of structured finance for corporate entities and formation strategic alliances and design of service delivery of corporate banking products including order finance, project finance, syndication, asset finance and factoring
- Pre-Screening of Corporate Facilities or loan applications and assessment for processing into credit papers to be presented to credit committee
- Guidance on developing Corporate credit papers to quality acceptable by committee
- Guidance from origination to finalization of applications and credit papers for board level loan applications
- Presentation of Applications at board Level
- Coordination of collaboration with Credit Control Recoveries and Legal team for security perfection and disbursement of all corporate loan applications
- Oversight of monitoring and relationship management for all corporate facilities in the category of structured finance, working capital finance, bridging finance and term loans
- Inclusive of flagging any facilities falling into the ‘at risk categories’ and management of avoidance of falling into arrears to point of transition to recoveries team.
Head Corporate Banking and Micro Banking
Intermarket Banking Corporation
11.2011 - 12.2012
- Oversight of management setup and strategy for banks new corporate banking portfolio of corporate clientele and transition of existing corporate Clientele
- Oversight of structured finance for corporate entities and formation strategic alliances and design of service delivery of corporate banking products
- Corporate Banking encompassed Origination of Corporate Relationships and oversight or handling of corporate clients originated through Business Portfolio Managers and Commercial Agents
- Pre-Screening of Corporate Facilities or loan applications and assessment for processing into credit papers to be presented to credit committee
- Guidance on developing corporate credit papers to quality acceptable by committee
- Guidance from origination to finalization of applications and credit papers for board level loan applications
- Presentation of Applications at board Level
- Oversight of Invoice Discounting, Order Finance, Temporal Overdraft and Working Capital Finance structures mainly for Copperbelt Clients
- Coordination of collaboration with Credit Control Recoveries and Legal team for security perfection and disbursement of all corporate loan applications
- Oversight of monitoring and relationship management for all corporate facilities in the category of structured finance, working capital finance, bridging finance and term loans
- Inclusive of flagging any facilities falling into the ‘at risk categories’ and management of avoidance of falling into arrears to point of transition to recoveries team
- Oversight of setup of banks micro banking outcrop business line which envisages to setup micro banks in rural areas.
Chief Commercial Officer (Acting)
Intermarket Banking Corporation
03.2011 - 10.2011
- Oversight of management and strategy of the bank’s Commercial Division encompassing Credit and Corporate Banking, Sales and Marketing, Business Banking, Frontline of Branch Network and Customer Service
- Credit and Corporate Banking encompassed oversight of Origination of loans through Business Portfolio Managers and Commercial Agents
- Pre-Screening of Loan applications and assessment for processing into credit papers to be presented to credit committee
- Guidance on developing credit papers to quality acceptable by committee
- Guidance from origination to finalization of applications and credit papers for board level loan applications
- Presentation of Applications at board Level
- Coordination of collaboration with Credit Control Recoveries and Legal team for security perfection and disbursement of all loan applications
- Oversight of monitoring and relationship management for all facilities in the category of personal loans, scheme loans, overdrafts and term loans.
Head Wholesale and Institutional Banking, Treasurer
Intermarket Banking Corporation
01.2009 - 02.2011
- Liquidity and risk management and oversight of all operations of the department
- Management of all wholesale and institutional relationships
- Provide oversight and strategy for deposit mobilization and positioning of all treasury and wholesale products
- Provide strategy and oversight on liquidity management to insure the bank is consistently able to meet funding requirements
- Provide strategy and oversight on FX position management pricing and trading on both Interbank and Corporate
- Supervise, Coordinate and monitor performance of departmental staff to insure the department is run in accordance with the institutions strategy and objectives
- Advise senior management of banks liquidity positions
- Asset and Liability Management at board and management levels encompassing the analysis of all inherent risks relevant to treasury with specific emphasis on liquidity risk, interest rate risk, market risk and foreign exchange risk
- Conduct economic and market analysis to determine potential impact on the banks position
- Strategy and oversight of management of wholesale and institutional relations
- Oversight and management of all other Treasury related functions.
Head of Treasury
Intermarket Banking Corporation
12.2007 - 12.2008
- Liquidity and risk management and oversight of all operations of the department
- Provide strategy and oversight on liquidity management to insure the bank is consistently able to meet funding requirements
- Provide strategy and oversight on FX position management pricing and trading on both Interbank and Corporate
- Supervise, Coordinate and monitor performance of departmental staff to insure the department is run in accordance with the institutions strategy and objectives
- Monitor and provide strategy for management and monitoring of interest rate risk
- Advise senior management of banks positions relevant to the department
- Asset and Liability Management at board and management levels encompassing the analysis of all inherent risks relevant to treasury
- Conduct economic and market analysis to determine potential impact on the banks position
- All other Treasury related functions.
Acting Treasury Manager
Intermarket Banking Corporation
07.2007 - 12.2007
- Liquidity and risk management and oversight of all operations of the department
- Provide strategy and oversight on liquidity management to insure the bank is consistently able to meet funding requirements
- Provide strategy and oversight on FX position management pricing and trading on both Interbank and Corporate
- Supervise, Coordinate and monitor performance of departmental staff to insure the department is run in accordance with the institutions strategy and objectives
- Monitor and provide strategy for management and monitoring of interest rate risk
- Advise senior management of banks positions relevant to the department
- Asset and Liability Management at board and management levels encompassing the analysis of all inherent risks relevant to treasury
- Conduct economic and market analysis to determine potential impact on the banks position
- All other Treasury related functions.
Treasury Officer
Intermarket Banking Corporation
01.2006 - 07.2007
- To execute general functions and mechanics underlying money market operations and general treasury operations
- Carry out investment functions for and on behalf of bank and engage and advise clients on investment options
- Maintain bank of Zambia Position to Insure optimal liquidity management on day to day basis
- Conduct daily money market survey to ascertain overall market Liquidity and Liquidity concentration
- To collect analyze and file all data related to Open Market Operations and Government Securities
- To market and provide customer service for all treasury products and conduct all other treasury related functions.
Education
Masters of Business Administration -
Henley Business School, University of Reading
Reading, United Kingdom01.2017
Bachelor of Business Administration - Economics and Finance
Barton Business School, Wichita State University
Wichita, KS05.2005
General Certificate of Education O’Level -
Examination Council of Zambia, Munali Secondary School
Lusaka, Zambia01.1997
Skills
- Business Environment Analysis
- Team Development
- Communication Skills Written and Oral
- Credit Analysis
- Portfolio Management
- Strategy
- Economic and Financial Analysis
- Investment Advisory
Personal Information
- Age: 43
- Date of Birth: 07/15/80
- Gender: Male
- Marital Status: Married
- Religion: Christian
Awards
- Deans Honor Roll Fall 2003
- Enoch Endowed Scholarship Fall 2001 and Spring 2002
References
- Mr. Stanford Mtamira, Principal Consultant, Upstreet Consultancy Services Limited, +260966807051, sgmtamira@gmail.com
- Mr. Ignatius Mwanza, CEO, ZICB, +260766717272, Ignatius.Mwanza@zicb.co.zm
- Mr. Lungisani Zulu, President Law Association of Zambia, Partner, Equitas Legal Practitioners, +260973577849, lzulu82@gmail.com
Proffesional Experience
Board Member and Vice Chairperson Patents and Company Registration Agency (PACRA) March 2023 to date.
Chairperson Administration and Operations Committee Patents and Company Registration Agency(PACRA) March 2023 to date.
Timeline
Independent Consultant
01.2018 - Current
Head Corporate Banking
Intermarket Banking Corporation
12.2012 - 07.2016
Head Corporate Banking and Micro Banking
Intermarket Banking Corporation
11.2011 - 12.2012
Chief Commercial Officer (Acting)
Intermarket Banking Corporation
03.2011 - 10.2011
Head Wholesale and Institutional Banking, Treasurer
Intermarket Banking Corporation
01.2009 - 02.2011
Head of Treasury
Intermarket Banking Corporation
12.2007 - 12.2008
Acting Treasury Manager
Intermarket Banking Corporation
07.2007 - 12.2007
Treasury Officer
Intermarket Banking Corporation
01.2006 - 07.2007
Masters of Business Administration -
Henley Business School, University of Reading
Bachelor of Business Administration - Economics and Finance
Barton Business School, Wichita State University
General Certificate of Education O’Level -
Examination Council of Zambia, Munali Secondary School
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