Kapeya Chomba
Lusaka
Summary
BACKGROUND
Highly motivated and goal-driven Associate with expertise in managing client relationships, understanding their businesses and requirements through prudent business and financial analysis.
Proficient in conducting comprehensive credit and risk analysis, and skilled in effective communication, connecting with clients, understanding their needs, and providing superior service and support. Tech-savvy with experience using spreadsheets, MS Power-point and credit systems/models. Organized and dependable, with proven ability to manage multiple priorities with a positive attitude. Dedicated with experience in collaborating with clients, promptly identifying needs and recommending products and services to accomplish their goals. Adept and knowledgeable in assessing creditworthiness and performing Business and financial analysis.
Overview
10
10
years of professional experience
Work History
Acting Credit Origination Manager - CIB
Stanbic Bank
03.2023 - Current
- Investigated and evaluated customers for creditworthiness and potential risk factors on new deals.
- Conducted annual reviews of existing facilities in timely and detailed manner.
- Prepared formal credit applications within acceptable turn around times.
- Made sure that all the reporting requirements were met ie. Watchlist, Close monitoring, Credit risk management committee.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Accomplished multiple tasks within established timeframes.
- Work cross-functionally with Business teams (Transaction banking, Investment banking and Global markets), management, and other departments to maintain effective operations.
- Used Credit risk management, Credit rating and Spreadpac systems to perform credit appraisals, manage limits and conduct risk assessments.
- Detected and evaluated shifts in key risk parameters of businesses or industries and assessed implications. E.g Rapid risk reviews.
Acting Vice President Client Coverage - CIB
Stanbic Bank
04.2022 - 12.2022
- Managed and grew relationships with new and existing clients while providing high level of expertise.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Managed risk by being the first line of defense by understanding the client.
- Grew customer revenues and share of wallet.
- Developed client plans and strategies.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Participated in staff meetings (Client Service teams) to discuss innovative strategies to improve services.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Owned and managed the New Business approval committee process.
Associate, Client Coverage CIB
Stanbic Bank
03.2021 - 04.2022
- Client relationship management - Managed a portfolio of medium sized Corporate relationships whilst providing support to Vice President.
- Delivered and built client centric sustainable relationships through exceptional client experience thereby growing share of wallet.
- Research, analyse and understand the individual clients and assigned client portfolio in terms of business model, strategic levers, business drivers and financial metrics.
- Coordinated origination and execution of client centric solutions ensuring clients needs were met.
- Contributed towards achieving revenue targets by growing revenue contributions of clients.
- Prepared and coordinated client service team meetings and/or documents.
- Compiled client and portfolio information into reports, documents and dashboards in relation to Sales, pipeline, trends and revenue contribution.
- Support credit process and other relevant workflows between business and credit.
- Organised and attended client visits.
Client Analyst - CIB
Stanbic Bank
03.2019 - 03.2021
- Client Industry Research and Analysis - Conducted research on clients, their business, operations and performance.
- Provided recommendations, risk insights, analysis and marketing opportunities from research.
- Maintained a proficient knowledge of products, services and capabilities across the bank.
- Analysed information and compiled reports and dashboards regarding sales activity and business pipeline.
- Client Relationship Management - Interacted and liaised with clients with the goal of providing or requesting information relevant to deal execution and/or gathering critical information for the Bank.
- Information Management - Compiled and analysed reports on client profitability, product profitability and provided input to the budget planning and performance management process.
- Supported the credit process through collaboration with teammates in the preparation of New Business applications and Credit applications.
- Reviewed client base for potential High-Risk clients on an ongoing basis and conducted ongoing KYC due diligence.
Consultant Corporate Client Services
Stanbic Bank
09.2017 - 03.2019
- Attended to large volumes of customers on a daily basis with positive attitude and focus on customer satisfaction.
- Client services management - Responded to customer calls and emails in response to various queries and questions about products and services.
- Identified and Analyzed problematic areas and provided recommendations and solutions for improvement.
- Coordinated with operations staff to resolve service problems and boost client satisfaction.
- Cultivated long-lasting client relationships based on trust and solid understanding of business needs.
- Delivered excellent customer service, resulting in consistent customer satisfaction rating.
- Monitored client feedback and worked to improve satisfaction survey results
- Ensured that regulatory, group policy standards and minimum operating procedures were observed to minimize the Bank's exposure to risk.
Bank Teller
Stanbic Bank
05.2014 - 08.2017
- Served customers daily by attending to Cheque encashments, cash withdrawals, deposits and various client requests.
- Processed customer transactions promptly, minimizing wait times.
- Dealt customer inquiries regarding account balances, transaction history, service charges and interest rates.
- Sold and cross-sold bank products to new and existing customers. E.g Fixed deposits, Insurance policies,e-channel solutions etc.
- Identified sales opportunities and referred customers to branch partners.
- Provided effective and efficient frontline service and support.
- Reconciled cash drawer and resolved discrepancies.
Education
MBA - Business Administration
University of East London
United Kingdom06.2025
Investment Banking Analyst Programme
Standard Bank08.2021
Bachelor of Science - Banking and Finance
The Copperbelt University
Zambia04.2014
High School Diploma -
Mpelembe Secondary School
Zambia11.2008
Skills
- Financial Analysis and modelling
- Microsoft Excel & PowerPoint skills
- Research & Data Collection
- Credit and risk assessment
- Policy and regulation application
- Customer Relationship Management
- Communication and Negotiation Skills
- Critical thinking and Decision making
- Attention to detail
- Business and Financial markets insight
- Problem-solving skills
- Strategic planning
- Industry knowledge and Trends
- Ability to work with large cross functional teams
- Team player & good interpersonal skills
- Presentation skills
Referees
Mutinta Siwale
Vice President – Client Coverage CIB
Stanbic Bank Zambia Limited
Lusaka, Zambia
Phone number: 0967 213710
siwalem@stanbic.com
Chitemwa Kapaya
Manager Corporate Finance Solutions CIB
Stanbic Bank Zambia Limited
Lusaka, Zambia
Phone Number: 0966 913199
Kapayac@stanbic.com
Ketiwe Banda Lwando
Manager, Structured Trade and Commodity Finance
Cairo, Egypt
African Export-Import Bank
Phone Number: +20 1093110415
klwando@afreximbank.com
Chimala Filalo
Head – Client Journeys
Stanbic Bank Zambia Limited
Lusaka, Zambia
Phone number: 0965 608322
filaloc@stanbic.com
Timeline
Acting Credit Origination Manager - CIB
Stanbic Bank
03.2023 - Current
Acting Vice President Client Coverage - CIB
Stanbic Bank
04.2022 - 12.2022
Associate, Client Coverage CIB
Stanbic Bank
03.2021 - 04.2022
Client Analyst - CIB
Stanbic Bank
03.2019 - 03.2021
Consultant Corporate Client Services
Stanbic Bank
09.2017 - 03.2019
Bank Teller
Stanbic Bank
05.2014 - 08.2017
MBA - Business Administration
University of East London
Investment Banking Analyst Programme
Bachelor of Science - Banking and Finance
The Copperbelt University
High School Diploma -
Mpelembe Secondary School
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