Milimo Moola
Lusaka,Zambia
Summary
Dynamic Commercial Relationship Manager with Absa Bank Zambia, excelling in credit analysis and relationship management. Proven track record in driving business growth through strategic loan structuring and exceptional customer service. Adept at fostering client loyalty and enhancing profitability while ensuring regulatory compliance. Strong leadership and negotiation skills contribute to sustained success.
Overview
18
18
years of professional experience
Work History
Commercial Relationship Manager - Business Banking
Absa Bank Zambia
Lusaka, Zambia
08.2022 - Current
- Conducted credit analysis of customers, including financial statement review, collateral evaluation, and risk assessment.
- Developed and implemented strategies for expanding customer base through new business opportunities.
- Participated in regular meetings with senior management team members regarding progress towards goals set forth by the department.
- Assisted in training new staff members on proper procedures related to sales management within business banking division.
- Prepared reports detailing customer information, credit status, payment history. for senior management review.
- Established effective relationships with clients to ensure long-term success and satisfaction.
- Facilitated resolution of customer disputes or complaints in a timely manner while maintaining positive relationships with clients.
- Provided guidance on the structuring of loans to ensure compliance with internal policies and external regulations.
- Collaborated closely with other departments such as operations and accounting in order to support overall efficiency within the organization.
- Assisted in the development of loan products that meet the specific needs of customers while adhering to bank policies and regulations.
- Reviewed customer documents such as contracts, agreements, credit applications. for accuracy and completeness prior to approval process.
- Monitored industry news sources for changes that may impact client's businesses or their ability to make payments on time.
- Negotiated loan terms and conditions with customers in order to maximize profitability while minimizing risk exposure.
- Performed periodic reviews of customer accounts for accuracy and completeness.
- Managed portfolio of existing commercial accounts by monitoring account activity and ensuring payment schedules are met.
- Analyzed current market trends to identify potential sales opportunities and develop targeted marketing campaigns.
- Achieved client loyalty through quality, productivity, service and proactive management.
- Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
- Conducted risk assessments for client portfolios, recommending strategies to mitigate potential losses.
- Provided expert financial advice to clients, enhancing their decision-making process.
- Coordinated with product development teams to design services that meet client needs.
- Conducted regular review meetings with clients to assess their needs and adjust services accordingly.
- Prepared and presented detailed reports on client account status and growth opportunities to senior management.
- Participated in networking events and industry conferences to attract new clients.
- Identified opportunities for cross-selling and upselling financial products to meet clients' objectives.
- Ensured compliance with regulatory standards and company policies in all client interactions.
- Built sales forecasts and schedules to reflect desired productivity targets.
- Developed and significantly grew assigned territory using strong engagement and marketing skills.
- Provided feedback and recommendations based on research conducted into best practices within the industry relating to commercial banking services.
- Managing support staff to ensure seamless processing of client requests including performance,coaching and mentorship.
- Participated in interviews of new staff and recruitment processes as assigned.
- Participated in grievance and disciplinary procedures as assigned
SME Relationship Manager
Absa Bank Zambia
Lusaka, Zambia
02.2020 - 07.2022
- Collaborated closely with internal departments such as sales, marketing and operations teams in order to ensure efficient service delivery for all SME customers.
- Provided technical support to SME customers in order to resolve any queries they may have had.
- Monitored market conditions and competitor activities in order to stay ahead of competition.
- Generated leads through various methods such as cold calling, email campaigns, networking events.
- Identified areas of improvement within existing processes or procedures related to client relations management.
- Conducted regular meetings with clients to review progress and discuss potential solutions for their needs.
- Developed and maintained a database of clients, tracking their requirements and preferences.
- Developed strategies aimed at improving customer loyalty among existing SME customers.
- Ensured compliance with relevant regulations when providing advice or guidance regarding services offered.
- Attended trade shows and exhibitions and other industry events in order to promote services offered by the company.
- Created detailed reports on client relationships, including current status and future plans.
- Prepared and presented detailed reports on client account status and growth opportunities to senior management.
- Conducted risk assessments for client portfolios, recommending strategies to mitigate potential losses.
- Participated in networking events and industry conferences to attract new clients.
- Analysed client financial statements to offer tailored advice and products.
- Identified opportunities for cross-selling and upselling financial products to meet clients' objectives.
- Maintained in-depth knowledge of market trends and competitor activities to advise clients effectively.
- Managed portfolio of client accounts, ensuring high levels of satisfaction and loyalty.
- Provided expert financial advice to clients, enhancing their decision-making process.
SME Relationship Manager
Barclays Bank Zambia
Lusaka, Zambia
08.2016 - 01.2020
- Collaborated closely with internal departments such as sales, marketing and operations teams in order to ensure efficient service delivery for all SME customers.
- Provided technical support to SME customers in order to resolve any queries they may have had.
- Monitored market conditions and competitor activities in order to stay ahead of competition.
- Generated leads through various methods such as cold calling, email campaigns, networking events.
- Identified areas of improvement within existing processes or procedures related to client relations management.
- Conducted regular meetings with clients to review progress and discuss potential solutions for their needs.
- Developed and maintained a database of clients, tracking their requirements and preferences.
- Developed strategies aimed at improving customer loyalty among existing SME customers.
- Ensured compliance with relevant regulations when providing advice or guidance regarding services offered.
- Attended trade shows and exhibitions and other industry events in order to promote services offered by the company.
- Created detailed reports on client relationships, including current status and future plans.
- Prepared and presented detailed reports on client account status and growth opportunities to senior management.
- Conducted risk assessments for client portfolios, recommending strategies to mitigate potential losses.
- Participated in networking events and industry conferences to attract new clients.
- Analysed client financial statements to offer tailored advice and products.
- Identified opportunities for cross-selling and upselling financial products to meet clients' objectives.
- Maintained in-depth knowledge of market trends and competitor activities to advise clients effectively.
- Managed portfolio of client accounts, ensuring high levels of satisfaction and loyalty.
- Provided expert financial advice to clients, enhancing their decision-making process.
Learning and Development Specialist - Human Resour
Barclays Bank Zambia
Lusaka, Zambia
04.2016 - 07.2016
- Developed and facilitated learning programs to ensure the professional development of employees.
- Communicated regularly with stakeholders at all levels within organization about upcoming trainings or changes in policy.
- Analyzed feedback from participants in learning sessions to improve future offerings.
- Provided technical support for users of the LMS system.
- Coordinated logistics for classroom-based training events such as facility rental, catering services and audio and visual equipment setup.
- Maintained records of all training activities including attendance rosters and evaluation forms.
- Conducted assessments, surveys and interviews to identify training needs and develop appropriate courses.
- Monitored industry trends related to workplace learning initiatives to ensure current practices are up-to-date.
- Conducted post-training evaluations to measure effectiveness of instruction techniques and overall program success.
- Developed strategies for tracking employee progress in completing required training courses.
- Explained goals and expectations required of trainees.
- Used role-playing, lectures, and simulations to present information in variety of instructional techniques and formats.
- Monitored training costs and prepared budget reports to justify expenditures.
- Worked collaboratively across departments and with various stakeholders to deliver comprehensive, effective training sessions.
SME Banker - Business Banking
Barclays Bank Zambia
Lusaka, Zambia
05.2011 - 03.2016
- Managed customer relations by responding promptly to inquiries, complaints, and feedback.
- Conducted in-depth research to stay current with market trends and emerging technologies.
- Identified needs of customers promptly and efficiently.
- Determined consumer needs to provide products and services appealing to larger market.
- Advised customers on various banking products and services such as loans, investments, and credit cards.
- Developed strategies to increase customer satisfaction and loyalty through excellent service delivery.
- Provided customer service to bank clients, answering inquiries and resolving complaints.
- Coordinated with other departments regarding customer requests or disputes resolution.
- Conducted risk assessments on potential loan applicants to assess creditworthiness.
- Managed escalations with polite service, knowledgeable support and unsurpassed professionalism to satisfy needs and protect bank reputation.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Networked in community, obtained referrals from customers and used sales techniques such as cold calling to increase business.
Business Advisor - Corporate Banking
Barclays Bank Zambia
Chingola, Zambia
10.2008 - 04.2011
- Conducted market research and analysis to identify growth opportunities for clients.
- Collaborated with external stakeholders such as suppliers, vendors, and associations to generate sales leads.
- Analyzed client's current financial position and recommended solutions to improve their profitability.
- Conducted relevant local market research for new and growing companies.
- Assessed customer needs and provided tailored solutions that met those requirements.
- Point of contact for walk in clients at branch
- Cross selling products to ensure client satisfaction retention and loyalty.
Retail Customer Advisor
Barclays Bank Zambia
Lusaka, Zambia
11.2007 - 08.2008
- Recommended additional products or services to increase sales.
- Attended training sessions to stay up-to-date on new products and services.
- Provided product information to customers.
- Collaborated with other departments to meet customer needs.
- Updated records in the CRM system for accurate tracking of customer interactions.
- Advised customers on product selection based on their needs.
- Greeted customers and provided excellent customer service.
- Resolved customer complaints and escalated issues as necessary.
Direct Sale Representative
Barclays Bank Zambia
Lusaka, Zambia
05.2007 - 10.2007
- Maintained up-to-date knowledge of company's products and services.
- Developed relationships with key decision makers at target accounts.
- Attended trade shows, conferences, and industry events to promote products.
- Generated leads through cold calling and networking events.
- Generated leads through cold calling techniques.
- Provided product demonstrations to potential customers.
Merchandiser
Zambia Bata Shoe
Lusaka, Zambia
01.2007 - 04.2007
- Set up attractive window displays that encouraged customers to enter the store.
- Analyzed inventory levels and made adjustments accordingly for maximum profitability.
- Created merchandising plans based on customer buying habits and trends in the industry.
- Coordinated promotional events such as special sales or clearance items.
Education
Bachelor of Arts - Human Resources Management
Copperbelt University
Kitwe,Zambia12-2015
Diploma - Human Resources Management
Evelyn Hone Colleage Of Applied Arts
Lusaka,Zambia 12-2006
Certificate - GCE
Monze Secondary School
Monze,Zambia12-2001
Skills
- Credit analysis
- Relationship management
- Risk assessment
- Loan structuring
- Market analysis
- Regulatory compliance
- Customer service
- Negotiation skills
- Communication skills
- Cross-selling strategies
- Portfolio management
- Sales management
- Report preparation
- Training coordination
- Problem solving
- Goal-oriented mindset
- Credit risk assessment
- Professionalism and integrity
- Financial analysis expertise
- Decision-making capacity
- Business development acumen
- People Management
- Coaching
- Leadership
Languages
English
First Language
References
- Theo Nsunge - Director Transactional Banking - Standard Chartered Bank
- Cell:+260977 781037
- Email:theo.nsunge@sc.com
- Patrick Mutenda - Former Head Agribusiness - Absa
- Cell:+260977 870095
- Email:Patrick.mutenda@gmail.com
- Christine Phiri - Senior Relationship Manager - Absa Bank
- Cell:+260955 888042
- Email:christine.phiri@absa.africa
Timeline
Commercial Relationship Manager - Business Banking
Absa Bank Zambia
08.2022 - Current
SME Relationship Manager
Absa Bank Zambia
02.2020 - 07.2022
SME Relationship Manager
Barclays Bank Zambia
08.2016 - 01.2020
Learning and Development Specialist - Human Resour
Barclays Bank Zambia
04.2016 - 07.2016
SME Banker - Business Banking
Barclays Bank Zambia
05.2011 - 03.2016
Business Advisor - Corporate Banking
Barclays Bank Zambia
10.2008 - 04.2011
Retail Customer Advisor
Barclays Bank Zambia
11.2007 - 08.2008
Direct Sale Representative
Barclays Bank Zambia
05.2007 - 10.2007
Merchandiser
Zambia Bata Shoe
01.2007 - 04.2007
Bachelor of Arts - Human Resources Management
Copperbelt University
Diploma - Human Resources Management
Evelyn Hone Colleage Of Applied Arts
Certificate - GCE
Monze Secondary School