A seasoned professional in agribusiness banking and strategic investment management, I excel in developing strategies and managing investments to drive growth and profitability. With a proven track record at Zambia Industrial Commercial Bank, my expertise in credit origination and relationship management, combined with a dynamic and goal-oriented approach, has consistently enhanced financial performance and stakeholder value.
Providing an oversight role for the organization's strategic direction, ensuring its mission is fulfilled, making critical decisions, managing finances, hiring and evaluating the executive director, and maintaining legal and ethical compliance, all while acting as a fiduciary to the organization and its stakeholders.
· Identify business opportunities in order to increase assets, liabilities, and revenues.
· Credit origination from prospecting to finance close.
· Structuring of facilities for complex deals and relationships
· Maintaining and growing close relationships with bank’s clients.
· Responding to and anticipating existing client needs and desires.
· Recruitment of new clients.
· Effective client calling ensuring timely deal realization and customer service satisfaction.
· Engaging with product partners to ensure collaborative deal making and identification of cross sell opportunities to enhance share of wallet and client experience.
· Monitor the quality of client activities.
The Public Investment Board is established as the institutional mechanism within the Ministry of National Development Planning to facilitate the review and appraisal of public investment projects prior to implementation or inclusion in the national budget
Treasury Function
Tax Function
Develop internal policies relating to taxation and implement these policies into existing
As Unit Head of Agriculture Corporates, to manage, grow and retain a portfolio of agribusiness relationships by performing a proactive, mobile, value adding financial partnership role, ensuring that close personal attention is given to provide a full array of customized financial solutions and services tailored to meet the growth needs and potential of the portfolio.
· Management an agribusiness portfolio of both secondary and primary agricultural entities
· Sales of assets and liabilities and bringing in new high value clients to increase the Bank`s profitability.
· Management of provisions for the portfolio
· Attending Bank’s provisions and loans review meetings
· To market quality new commercial farming business in order to increase profits
· Preparation of Credit Applications for the client for submission to the Bank’s Credit Committee
· Provide professional and Agriculture advice on market trends and the way forward for customers.
· To direct, motivate and train assigned support staff
Responsible for maintaining a close relationship with the Bank’s Agribusiness clients, to maximize returns and to assess, monitor and improve the portfolio, making appropriate recommendations to the Head of Agri Business and/or Credit Committee to ensure that the portfolio is managed in compliance with covenants and prevailing Agri Underwriting Policy and that breaches are authorized at the correct approval level.
Preparation of VAT, PAYE and Corporation Tax
· Reporting to donors on expenditure incurred over the life of the programs.
· Preparing project cash flow forecast.
· Preparation of client statements for both receivable and payables
· Payroll preparation and review
Undertake periodical reviews and financial evaluations and audits of program activities
Developing and implementing strategies
Analysis, Planning, and Management of Investments
Syndication and structured finance debt structuring
Credit origination and relationship management
Dynamic, self-driven, and goal-oriented
Broad understanding of best practices, accounting principles, and financial management
Comprehensive understanding of the local, regional, and international capital and financial markets
Financial statement and company valuation interpretation
Thorough understanding of the financial and capital market environments in Zambia and the surrounding areas