Mbaita Muyenga

• Preparation of the Profit and Loss and Balance sheet reconciliations
• Ledger accounts maintenance for revenue and expenditure
• Maintenance of the daily sales/purchase ledgers, cash books and payroll
• Preparation of sale invoices and journal vouchers and depreciation voucher, Debtors management
• Prepared and processed invoices, payments and bank deposits.
• Assisted in accounts receivable, payable and general ledger activities.
• Maintained accurate records of financial transactions.

Credit

• Met with applicants to obtain information for loan applications and to answer questions about the process
• Explained to customers the different types of loans and credit options that are available, as well as the terms of those services
• Appraised applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
• Obtained from the Credit Reference Bureau and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information for credit appraisal
• Perfection of assets held as securities,
• Disbursement of loans, review and update of credit and loan files

Front office cashier duties

• Receipt of cash/cheque deposits and crediting to customer accounts
• Attend to cash/cheque withdrawals, Advise customers on account balances
• Maintained and reconcile physical cash and cheques with the system
• Managed Bank of Zambia cash limit provisions and make deposits with the central bank where necessary
• Ensured cheques books in the register tally with vault numbers
• Assisted customers with inquiries and complaints in a professional manner
• Other bank transactions processing
• Processing and reconciling inter-branch/inter-bank transactions
• Processing DDACC transactions and standing orders

Credit

• Meet with applicants to obtain information for loan applications and to answer questions about the process
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
• Appraise applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
• Disbursement of loans, review and update of credit and loan files

Account Opening

• Assisted customers with opening new bank accounts.
• Ensure KYC compliance before an account is opened
• Authorization of accounts that have met KYC guidelines

Customer Service

• Resolve ATM and Visa disputes
• Educated clients on the benefits of various investment options.
• Identified opportunities to improve customer service quality.
• Responded to customer inquiries and resolved account issues.
• Collaborated with other departments in order to resolve customer disputes.
• Provided advice on budgeting techniques to help customers save money.
• Created presentations detailing current investment opportunities available at the bank.
• Attended local gatherings and networking events as bank representative to establish community relations and generate potential customer leads

Branch Operations

• Reconciliations and Reporting
• Prepare Monthly Progress Report for the branch
• Preparation of Profit and Loss and Balance sheet reconciliation statements
• Prepare Risk reports and maintain/update Incident Register
• Prepare AML and Compliance returns
• Other bank transactions processing
• Authorization of DDACC and RTGS TRANSACTIONS
• Processing and Authorization of Local Outward and Inward clearing transactions

• Authorisation of Daily Transactions at the branch
• Daily balancing and monitoring of Cash levels in the branch
• Monitoring GL balances in all suspense accounts
• Appraise Credit applications received at the branch
• Prepare AML & Monthly Compliance returns
• Assist the Branch manager in ensuring smooth branch operations
• Conducted investigations into complaints from customers or employees regarding violations of company policy.
• Drafted reports outlining findings from investigations and recommending corrective action.
• Supervised subordinate staff in carrying out daily duties and activities.
• Monitored all operations for potential security risks and threats.
• Provided guidance to team members on how to effectively complete tasks within established timelines.
• Coordinated with local law enforcement agencies when necessary to carry out investigations or respond to incidents.
• Developed strategies for improving operational efficiency while reducing costs.

• Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
• Developed strategies to increase customer satisfaction and loyalty.
• Ensure that all Bank of Zambia guidelines and KYC policies are complied with by all staff
• Ensure Bank security measures are observed and implemented
• Compile Branch performance reports ensuring that all set targets are achieved within time frame assigned by Head Office
• Scrutinize and approve new accounts being opened at the branch and also to authorize related files in the systems
• Ensure timely submission of various returns as required by Bank of Zambia and the Bank
• Supervise all Department Heads and ensure careful distribution of work among staff and enforce staff discipline
• Execute principal accountabilities in accordance with Branch procedures, Policies and manuals
• Reviewed loan applications to ensure accuracy and compliance with regulations.
• Conducted regular performance reviews for all employees in the branch.
• Monitored financial performance of the branch on a monthly basis.
• Implemented internal control procedures to minimize risk exposure and maximize profitability.
• Provided guidance and support to team members regarding problem resolution and customer service issues.
• Analyzed data to identify trends related to products, services, customers and markets served by the branch.
• Resolved escalated customer complaints in a timely manner.
• Ensured compliance with established policies, procedures and regulations governing banking operations.
• Created reports summarizing operational performance metrics for senior management review.
• Participated in community events to promote brand awareness.
• Identified opportunities for process improvement initiatives within the branch.
• Facilitated weekly meetings with staff members to discuss progress on current initiatives.
• Provided feedback on employee performance evaluations conducted by supervisors.
• Performed regular audits of financial records in order to ensure accuracy.
• Managed and inspired team members to perform to full potential, driving branch profitability.
• Assigned duties to employees and examined work for accuracy, neatness and timeliness.
• Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
• Grew business banking relationships through proactive outreach.
• Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.