Felix Mutiti
Lusaka,01
Summary
Highly motivated risk professional with over 18 years of experience in the financial sector. Proven track record in managing and mitigating risks to drive organizational success. Analyzing complex data and identifying potential vulnerabilities, developing and implementing robust risk management strategies. Strong leadership skills, collaborating with cross-functional teams to ensure compliance with regulatory requirements and industry best practices.
Overview
30
30
years of professional experience
Work History
Onward Risk Manager (Corporate Recovery Manager)
First National Bank Zambia Limited
07.2021 - Current
- Manage the identified impairments (Risk Category 3 and 4 ) in the Corporate and Investments Banking Book, Commercial Banking Book and Small and Medium Enterprises Book.
- Manage the Non Identified Impairment Risk Category 2, minimize the flow into NPL.
- Manage the relationship of external Law Firms , External Debt Collectors, Estate Agents.
- Manage the security perfection for all the Non performing Counters.
- Manage the Portfolio exposures for the respective Risk categories.
- Responsible for Policy updates regarding the write off and ensure that correct Mandates are held.
- Manage internal and external Auditors and ensuring that non repeat finding and maintaining a green Audit.
- Accomplished multiple tasks within established timeframes.
- Maintained professional, organized, and safe environment for employees and patrons.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Cross-trained existing employees to maximize team agility and performance.
- Managed budgets effectively, ensuring optimal financial performance while investing in necessary resources for business growth.
- Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
- Achieved departmental goals by developing and executing strategic plans and performance metrics.
- Managed and motivated employees to be productive and engaged in work.
Credit Administration Manager
ABSA Bank Zambia PLC
03.2020 - 07.2021
- Ensured compliance with all regulatory requirements, maintaining accurate documentation and reporting standards.
- Collaborated with cross-functional teams to develop comprehensive risk management policies.
- Management of credit risk on Agribusiness Portfolio comprising of more than 50 Borrowing Clients.
- On going Monitoring and Control of borrowing customers for creditworthiness and potential risk factors.
- Report key performance indicators deviations, through monitoring of financial covenants and ensuring correct risk category is assigned to borrowing customer.
- Refer delinquent accounts to collections department within the SLA.
- Manage the documentation of all borrowing counters in corroboration with Legal Department and Collateral department.
- Manage the risk Reports in liaising with the CIB, RBB heads of Units on a monthly report.
- Deputies the Head of Credit Administration in managing the Monthly Head of departments Risk review meeting ensuring that all action points are actioned.
- Maintained up-to-date knowledge of industry best practices in order to drive innovation within the credit administration function.
Business Support and Corporate Recoveries Manager
Barclays Bank Zambia Plc
09.2014 - 02.2020
- Lead detailed negotiations with customers regarding the agreement to, and implementation of strategy e.g. new lending proposition, terms ad conditions of continuing Banks support.
- Consistently exceeding income targets, low NPL volumes and amounts and maintained NPL ratios within industry parameters.
- Identify sales opportunities, and ensuring appropriate pricing is achieved
- Lead discussions with Corporate banking (Corporate Investment Banking and Retail Business Banking) to identify Bank risk ,Business risk and critical issues for specific customers
- Responsible for determining strategies and action that need to be adopted to address business risk issues
- Manage relationships with customers in a manner which ,through professional communication of often uncomfortable messages ,increase customer satisfaction and enhances the Barclays Brand
- Analyze ,appraise lending propositions, customer plans /strategies and budgets cash flow - sensitivity analysis
- Accomplished multiple tasks within established timeframes.
Assistant Recoveries Manager
Barclays Bank
09.2014 - 07.2019
- .Responsible for determining the objective, strategies and actions that need to be adopted to address business and credit risk issues relating to stressed counters
- The first Recoveries Manager to turnaround a stressed agribusiness counter amounting to $2.5mln to an active account.
- Manage politically sensitive customer and recovery debts from them in a professional manner which leaves a good impression of them about the bank
- Responsible of flagging and management of corporate impairments and provisions.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Customer Service Manager
Barclays Bank
11.2013 - 09.2014
- Responsible of the service delivery to all Corporate investment Banking clients
- Manage and coach a team of four clients solutions executives allocated to different portfolios
- Arrange customer visits with different product managers and relationship managers
- Work hand in hand with external services providers to enhance service levels of the Bank (CIT)
- Responsible of all the portfolio complaints managements to ensure a root cause analysis and lessons learnt report is drawn and shared, also ensuring that the compliments are celebrated with the team
Assistant Relationship Manager(CIB)
Barclays Bank
07.2011 - 09.2013
- Work hand in hand with the Relationship Manager in achieving the Asset and Liabilities targets
- Formulation of accounts plans and ensures that the banks income share is enhanced
- Act as a point of contact for Corporate Investment Banking customers and ensuring that they experience world class service
- Assists the Relationship manager with market research,competitor analysis
- Responsible in ensuring that the portfolio income is analyzed in relation to the products and ensuring that the report is ensured
- To the head of Multinational and Relationship managers
- Act as point of contact for other internal team member like Credit to ensure that the borrowing customers diary is well maintained
- Responsible of all security perfections on all borrowing client
- Deputies the Global corporate Relations managers as and when they are on leave
- Responsible of maintaining the contact list of all CIB client and ensuring that they are well informed regarding the market changers and any other investments related information
Treasury Assistant
Barclays Bank
09.2006 - 02.2011
- Responsible of preparing all statutory returns in the treasury departs i.e Consolidated Returns,Prudential Returns ,Open position Returns
- Responsible of Real Time Gross Settlements (RTGS) and work hand in hand with the the Treasury Front office in ensuring that all deals are settled within the required time to avoid penalties
- Act as point of contact for all Barclays branches and departments in relations to Forex Purchase and sales deal confirmations
- Responsible of reconciliation of the corporate deposits and loans
- Responsible of payments of interest to all Third party Credit Line partners(Off shore Players)
- Act as a point of contact for Banks Treasury bills and Government bonds investment between the Branches and Bank of Zambia
- Assists the Head of Treasury Operation in coaching colleagues with the department
Banking Hall Executive
Barclays Bank
07.2005 - 08.2006
- Responsible of the front office staff comprising of Main Branch,Prestige and Main Branch
- Responsible of Sun Hotel Agency operations
- Deputising the Branch Manager
- Responsible of coaching of all staff in the branch
- Responsible all Branch Complaint and Compliment
Customer Advisor
Barclays Bank
07.2003 - 09.2005
- Responsible of Bulk Cash office and ATM services
- Act as the point of contact of retail customers
- Sales of the Banks Products and ensuring that the annual target are archived
- Maintain a team players spirit in pulling team members are lagging behind in terms of sales
- Branch Treasury custodian
Quality Inspector
Scaw Metals Zambia Limited
01.1995 - 02.1998
- Responsible of ensuring that all products made are in accordance with the required physical and Chemical Standards
- Responsible of conducting an after sale services to all customers and monitoring the performance of the company products bought by the clients
- Working in collaboration with Production Superintendents and Lab Technicians in ensuring that that industrial product standards are observed at all times
- Responsible for shifts talks in relation to the production planning and quality expectations
Education
No Degree - Certified Credit Professionals: Credit Risk & Mgt
Zambia Institute Of Bankers, Lusaka
Lusaka12-2020
Bachelor of Science - Accountancy
Oxford Brookes University
England01.2019
Skills
- Customer relationships
- Team building
- Wealth management portfolios
- Client acquisition
- Solution management
- Effective customer communication
- Sales and marketing
- Sales proficiency
- Revenue development
- Team leadership
- Negotiation Skills
- Financial Analysis Skills
- Interpersonal Communication
Accomplishments
- Low non performing Book in the FNB Subs(Africa) for the three year period since 2021 financial years to date
- Highest Recoveries amounts recorded in the history of the Bank both in the non performing and Residual book since 2021-Financial year to date.
- Consistently exceeded Recoveries objectives in 2015-2018 in both Barclays and ABSA under my leadership.
Timeline
Onward Risk Manager (Corporate Recovery Manager)
First National Bank Zambia Limited
07.2021 - Current
Credit Administration Manager
ABSA Bank Zambia PLC
03.2020 - 07.2021
Business Support and Corporate Recoveries Manager
Barclays Bank Zambia Plc
09.2014 - 02.2020
Assistant Recoveries Manager
Barclays Bank
09.2014 - 07.2019
Customer Service Manager
Barclays Bank
11.2013 - 09.2014
Assistant Relationship Manager(CIB)
Barclays Bank
07.2011 - 09.2013
Treasury Assistant
Barclays Bank
09.2006 - 02.2011
Banking Hall Executive
Barclays Bank
07.2005 - 08.2006
Customer Advisor
Barclays Bank
07.2003 - 09.2005
Quality Inspector
Scaw Metals Zambia Limited
01.1995 - 02.1998
No Degree - Certified Credit Professionals: Credit Risk & Mgt
Zambia Institute Of Bankers, Lusaka
Bachelor of Science - Accountancy
Oxford Brookes University
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