Mwiinga Mwaanga
Kitwe
Websites
Summary
I am an accomplished and seasoned banker with over a decade (14 years) of experience in banking with a bias to Retail and SME banking and branch management leading to profitability and growth of the business through innovations and proven management skills.
In my current role as Branch Manager at Zambia National Building Society (ZNBS), I have successfully led my team to achieving great performance across all key performance areas (KPAs) including sales, operational and governance excellence thus getting recognized for the following awards below:
- Best performing Branch Manager 2022/23.
- Best branch overall performance 2022/23 (Profitability and Operational excellence).
- Best assets growth team 2022/23 financial year.
- Innovations awards 2023 financial year.
- Overall best performing employee 2022/23.
Owing to my experience in the banking industry and academic background, I am able to assist the institution to grow the business by on-boarding new customers while supporting existing ones with excellent customer service and relationship management.
I have had the opportunity to serve clients of different segments including High Net Individuals at a premium elite branch for Atlasmara in my capacity as Branch Manager-Premium Elite), further on I have held the role as Branch Manager of a Flagship branch (Head Office) for Atlasmara and BancABC respectively.
Prior to joining ZNBS as Branch Manager which is currently my role, I served as Sales and Service Manager in Atlasmara steering in this area and ensuring clients needs are met seamlessly and importantly making the bank meet their needs.
My current role at ZNBS entails that I manage High Net Worth (Institutional heads) and ordinary customers, it also includes managing relationships of large corporates such as Mopani Copper Mines, CEC, Sandvik Mining, all local authorities and senior government officials and all senior staff of corporates in the copperbelt jurisdiction.
I believe I can grow and contribute to the performance of your institution given the skills set and experience I posses in collaboration with the existing team as i bring forth and open up a different market.
Overview
14
14
years of professional experience
4
4
Performance Awards
5
5
Senior Leadership Roles
Work History
Branch Manager
Zambia National Building Society
Kitwe
04.2021 - Current
- Manage and inspire team members to perform to full potential and drive branch profitability.
- Adherence to mandatory practices as expected by Society and regulator expectations.
- Planning and Budgeting for the branch against set objectives/policies for alignment to corporate budget for the Society.
- Drive and lead a culture of sales across branch staff to ensure growth of Key Performance Areas (Mortgages, Depositors funds and Unsecured Assets and number of accounts).
- Identify and On-boarding of HNIs and ensure maximum value is derived from them.
- Ensure branch profitability by growing funded and non-funded income in order to run commercially viable business that contributes to profitability of the Society.
- Oversee branch operational matters to ensure safe guard of Society assets and adherence to controls in order to achieve successful audits and regulator compliance.
Branch Manager Premium Elite (Private Banking)
Atlasmara Zambia
Lusaka
12.2020 - 03.2021
- Grow premium elite (High Net Individuals- HNIs) customer base and drive exceptional service for premium elite customers through provision of excellent customer service and engagement.
- Stakeholder management (internal & external) to meet bank expectations by giving support to HNIs to ensure their expectations are met.
- Ensure maximum utilisation of the product range by identifying need for HNIs to create room for cross selling.
- Increase non-funded income by cross selling to HNIs to meet budget.
- Timely engagement of HNIs in order to get leads for new leads and closing of deals.
- Development of health sales pipeline to support branch achieve budget.
Acting Regional Manager
Atlasmara Bank Zambia
Lusaka, Zambia
01.2021 - 02.2021
- Analysed regional market trends to discover new opportunities for growth.
- Supporting branch managers and sales team within the cluster to achieve cluster sales budget.
- Support branches within the cluster regional business to ensure smooth flow of branch operations.
- Supported internal audit and governance units in getting satisfactory audit ratings within the cluster.
- Consolidate sale reports for onward presentation to Country manager retail banking and operations.
Manager Sales & Service
Atlasmara Bank Zambia
Lusaka
08.2019 - 12.2020
- Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
- Trained staff on operational and governance policy's along others to avoid any mis-selling and bad service that may lead to loss and litigation.
- Ensure all customer related information that supports in decision making are in place e.g tariff guides, rates board and other regulatory information as are in place across the cluster.
- Ensure that products being offered to clients meet the features advertised and customer expectations through working hand in hand with internal audit and governance units.
- Tracked monthly sales to generate reports for business development planning.
- Tested new products to ensure they meet customer expectations
- Performed sales training to staff to ensure clients get the best from products and services offered.
- Made sure service being offered across the branch network is uniform and meets set expectations for the bank.
- Maintained professional network of potential clients and business opportunities.
- Created and maintained sales environment to support business objectives.
- Achieved company growth and brand development through market expansion and sales.
- Analyzed business and sales targets using critical problem-solving skills.
- Boosted revenue and facilitated sales activity while developing consistent employee measurements for exceeding goals.
- Prospected for new business using databases and other strategies to generate sales.
Branch Manager
Atlasmara Bank Zambia
Lusaka
06.2016 - 08.2019
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Complied with company policies and government and central bank regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Used hedging to mitigate financial risks related to interest rates on company's borrowings.
- Adherence to mandatory practices and regulator expectations by coordinating with governance and operations department in order to have successful audit ratings
- Assigned duties to employees and examined work for accuracy, neatness and timeliness.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
- Planned work schedules to maintain adequate staffing levels.
- Managed relationships with governance and operations units and internal and external auditors.
- Disciplined employees to encourage compliance with company policies and procedures.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
- Verified cash by balancing cash drawers and maintaining cash count records.
- People management and assign roles efficiently to ensure segregation of duties to achieve operational excellence and achieve profitability while reducing any form of avoidable risk.
Branch Supervisor
African Banking Corporation, BancABC
Lusaka
02.2014 - 06.2016
- Helped tellers and relationship managers by resolving customer concerns and securely handling large transactions.
- Assigned individual roles and tasks, as well as monitoring employees for security, compliance and performance.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Compiled operational and risk reports detailing financial metrics to help management make proactive decisions.
- Reviewed reports on employee attendance, productivity and effectiveness to evaluate performance.
- Delegated work to staff, setting priorities and goals.
- Interpreted and explained work procedures and policies to brief staff.
- Reviewed employees' work to check adherence to quality standards and proper procedures as per regulator expectations.
- Coordinated with other supervisors, combining group efforts to achieve goals.
- Discussed job performance problems with employees, identifying causes and issues to find solutions.
Loan/Relationship Officer
African Banking Corporation
Lusaka
01.2010 - 02.2014
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
- Recommended loan approvals and denials based on customer loan application reviews.
- Executed loan origination process and ordered credit reports, appraisals and preliminary reports.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Delivered high levels of customer service to facilitate smooth processes.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Improved loan applications and documentation by informing applicant of additional requirements.
Education
Commercial Banking And Credit Analysis Licence - Commercial Banking And Credit Analysis
Corporate Finance Institute
true 05.2023 - Current
MBA - Finance
University of Zambia
True 11.2021 - Current
Bachelor of Business Accounting (BBAc) -
Zambia Open University
Lusaka09.2019
Executive Diploma SME Relationship Management - SME Relationship Mgt
Zambia Institute of Banking And Finance (ZIBFS)
Lusaka08.2017
Accounting Technicians Diploma (ATD III) -
National Institute of Public Administration
Lusaka09.2008
Skills
- Excellent Work Ethic and interpersonal skills
- Public Speaking
- Microsoft Access and Dynamics
- Operations Management
- Relationship and influencing Management
- Process Improvement
- Presentation and communication (verbal and written)
- Problem solving and solution identification
- Analytical, evaluative and attention to detail
- Strategic and visionary thinker
- Team leading skills
- Sales and Relationship Management
Certification
- Certified SME Relationship Manager- Zambia Institute of Banking and Finance
- Excel Crash Program- Corporate Finance Institute
- Commercial Banking and Credit Analysis - Corporate Finance Institute (On-going)
- Accounting Licentiate- Zambia Institute of Chartered Accountants (ZICA)
- Member of the Zambia Institute of Banking & Finance
Hobbies
- Cooking
- Reading books
- Playing Golf
- Watching Soccer
- Following new technology
Affiliations
- Board Member-West East Institute
- Vice Chairperson Customer Service committee -Zambia National Building Society Copperbelt Region
- Bank of Zambia-Member and representative for non Banking financial Institutions- ZNBS
- Member of the Nkana Golf Club
Languages
English
First Language
Ila, Tonga, Bemba Njanja
Proficient
C2
Referees
Mr Zhoromi Kazhinga
Regional Manager -Atlasmara
Contact: 0976 905 503
Dr Clergy Simatyaba
CEO Xtender Finance (Fmr M.D BancABC)
Contact: 0966 764 823
Mss Esther Lwele
Programs Coordinator - ZIBF
Contact: 0977 711 037
Accomplishments
- Overall best performing employee award 2022/23
- Best performing Branch Manager 2022/23 (ZNBS)
- Innovators award winner 2023/24 (Loan/KYC origination process) (ZNBS)
- Best overall performing branch 2022/23 (ZNBS)
- Awarded Best branch year to date (ytd) liabilities growth in tier one branches-2021/22 (ZNBS)
- Best loans officer 2012/13 (Banc ABC)
Timeline
Commercial Banking And Credit Analysis Licence - Commercial Banking And Credit Analysis
Corporate Finance Institute
05.2023 - Current
MBA - Finance
University of Zambia
11.2021 - Current
Branch Manager
Zambia National Building Society
04.2021 - Current
Acting Regional Manager
Atlasmara Bank Zambia
01.2021 - 02.2021
Branch Manager Premium Elite (Private Banking)
Atlasmara Zambia
12.2020 - 03.2021
Manager Sales & Service
Atlasmara Bank Zambia
08.2019 - 12.2020
Branch Manager
Atlasmara Bank Zambia
06.2016 - 08.2019
Branch Supervisor
African Banking Corporation, BancABC
02.2014 - 06.2016
Loan/Relationship Officer
African Banking Corporation
01.2010 - 02.2014
Bachelor of Business Accounting (BBAc) -
Zambia Open University
Executive Diploma SME Relationship Management - SME Relationship Mgt
Zambia Institute of Banking And Finance (ZIBFS)
Accounting Technicians Diploma (ATD III) -
National Institute of Public Administration
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