OSCAR NDALAMA
Lusaka,09
Summary
A well organized individual with a strong technical skill, expertise, used to working under pressure and meeting tight deadlines. Good Communication skills, both written and oral. Able to adapt to different organisational cultures. Self motivated and determined to succeed. Hard working and able to work under minimum supervision and conversant with computer application and a fast learner exposed to a greater working environment where there is an opportunity for self development and experience. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
16
16
years of professional experience
Work History
Senior Relationship Manager and Unit Head
Indo – Zambia Bank
01.2019 - Current
- Serve designated portfolio of accounts in Corporate Banking business segment
- Develop portfolio by prospecting new clients, cross selling and offering suitable corporate banking services to existing customers
- Achieve various individual business targets and contribute to team performance
- Conduct regular review and take proactive measures to ensure credit quality
- Provide guidance, coaching and support for junior teammates
- Originate, maintain and develop relationships in corporate market and/or more in specifically defined portfolio
- Manage corporate loan book with parameters provided by Credit Department and Risk
- Negotiate terms and conditions and prepare information pack for Corporate Credit to prepare credit applications for new and renewed loan facilities for CIB Clients
- Present and defend CIB Credit applications in Credit Committee
- Attend regular meetings with customers, product teams and other internal stakeholders
- Prepare call planning, call reports and tracking templates and update deal pipeline
- Complete the wallet size for clients and timely & appropriately file all clients calls, client communication, internal memos and credit papers on the assigned portfolio
- Kindly initiate all credit processes (Extensions, annual Reviews)
- Cross sell Trade, Treasury and Transaction services products and refer potential clients of Bank for Commercial, agriculture and Retail
- Coordinate and provide input to GLC & Credit processes and track the same to make certain of their timely delivery
- Collate all action points raised in call reports and track and drive each action to its conclusion
- Assist in communication and implementation of any action necessary to improve service in respect of complaints/compliments received
- Jointly work with other departments with view of executing work as per INDO Zambia Bank processes
- Coordinate post approval actions for credit facilities for unit/portfolio under
- Develop and implement sales strategy and ensure that there is no income leakage in the unit/portfolio.
- Researched current trends to identify prospective customers and determine specific needs
- Planned and attended meetings with clients to cultivate and grow partnerships and opportunities
- Performed banking, business administration and financial tasks to guarantee five-star service for clients
- Created financial dashboards to provide insights into key performance indicators
- Analyzed business processes to identify cost savings and operational efficiencies
- Complied with established internal controls and policies
- Worked with clients to address and respond to client and partnership management issues
Branch Manager
Indo – Zambia Bank Chawama
04.2017 - 07.2019
- As Branch Manager and overall in charge of branch operations, Superintended over Branch Operations as well as Administration functions
- Spear headed all Bank Operational, Administrative and personnel works
- As Branch Manager, was sales oriented and very familiar with products that bank offered
- Participated in community affairs to increase bank’s visibility and to enhance new and existing business opportunities
- Ensures that all Bank of Zambia guidelines and KYC policies are complied with by all staff
- Ensures that Internal Controls, including supply and issuance of controlled stationery are strictly in compliance with Bank rules and guidelines
- Prepares Annual Budgets for Branch and ensures compliance to set targets
- Markets Bank products and services and ensures that customers receive best attention from all staff
- Compiles Branch performance reports ensuring that all set targets are achieved within time frame assigned by Head Office
- Attends to all staff matters including keeping of staff leave, vital records, staff register and staff grievances, career paths and Training and Development
- Ensures timely submission of various returns as required by Bank of Zambia and Bank
- Provides superior level of customer relations and promotes sales and service culture through coaching, guidance and staff motivation
- Ensures that office surroundings are kept tidy and neat at all times
- Supervises all Officers and ensures careful distribution of work among staff, rotates them and enforces staff discipline
- Checks outward and inward clearances
- Attends to customer queries and complaints
- Ensures prompt reconciliation of outstanding IBT entries and various suspense accounts
- Ensures that all staff members go through Head Office guidelines, circulars, manuals issued by Head Office from time to time including guidelines on KYC and Anti-Money Laundering
- Executes principal accountabilities in accordance with Branch procedures, Policies and manuals
- Performs all other duties as assigned by Head Office from time to time, ensuring that all is complied with efficiently and effectively.
- Maintained friendly and professional customer interactions
- Assessed employee performance and developed improvement plans
- Met deadlines by proactively managing individual and team tasks and streamlining processes
- Engaged employees in business processes with positive motivational techniques
- Complied with regulatory guidelines and requirements
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales
- Consulted customers to boost product sales and services
- Resolved various issues impacting sales management and business operations
- Implemented service improvements to enhance sales cycle
- Examined customer loan applications for loan approvals and denials
Assistant Accountant
Indo-Zambia Bank Kabwe
01.2013 - 03.2017
- Appraising various proposals received up to sanctioning authority of Bank
- Scrutinizing and verifying data submitted by customers in their proposals before recommending same to sanctioning authorities in logical way so that correct decision is made
- Incorporating verified and processed data in standard format by way of sanction letter to customer in standard format
- Undertaking inspections in respect of properties offered to satisfy Bank’s requirement of obtaining suitable security/collateral
- Monitoring of accounts showing incipient sickness so that don’t fall into NPA category
- Impressing upon borrowers to ensure that post sanction stipulations are complied with
- Schedule submission of review proposals in way as per Banks requirements
- This involves taking up with customers well in time so that financials and necessary requirements are well in place
- Following up with lawyers for timely filing and perfection of securities
- Liaising with Insurance companies to ensure Bank’s interest is protected
- Maintaining advances registers for Securities, Sanction Letters etc.
- Maintained accurate and complete documentation to facilitate accounting and filing functions
- Assisted with monthly and quarterly income statements, balance sheets and cash flow reports to inform decision-makers
HO Clerk
Indo-Zambia Bank Credit
08.2008 - 01.2013
- Liaising with insurance companies on perfection of policies covering various loan scheme e.g. mortgage protection and life assurance policies
- Preparing some sectors of Bank of Zambia monthly returns
- Updating data on various portfolios and also posting transactions relating to Credit
- Appraising various proposals received from branches up to sanctioning authority of Managing Director/Board
- Preparing sanction advice to branches upon approval and also following up for issuance of certificate of compliance of terms and conditions
- Scrutinizing advances submitted by branches in their monthly returns and making follow ups on irregular accounts
- Liaising with IT Department in obtaining their reports so as to monitor expired facilities and advising branches for follow ups on same
- Monitoring excesses and Temporary Overdrafts allowed by Head office and ensuring that branches work towards adjustments of outstanding amounts when due
- Monitoring and making follow ups with branches on recoveries in non performing Advances
- Preparing various statements for Board of Directors.
- Interacted with customers by phone, email, or in-person to provide information
- Provided quality clerical support through data entry, document management, email correspondence, and overseeing operation of office equipment
- Maintained filing system and organized customer documents for easy retrieval of information
Clerk
Investrust Bank Operations
03.2008 - 07.2008
- Preparation of payment and receipt vouchers
- Posting of cheques brought in for clearing
- Checking of customer advances with Head office to ascertain their approval or decline
- Raising of entries for posting and authorization at branch level
- Processing of telegraphic transfers through liaising with Head office
- Taking up customers’ complaints and then following them up with superiors for clarifications and sorting out
- Filing of vouchers.
- Maintained filing system and organized customer documents for easy retrieval of information
- Managed calendars and scheduled appointments to maintain smooth flow of operations
- Answered and managed incoming and outgoing calls while recording accurate messages for distribution to office staff
- Reviewed files, records and other documents to obtain information to respond to requests
- Interacted with customers by phone, email, or in-person to provide information
- Verified transactions, product orders and shipping dates and entered information into databases and reports
- Produced high-quality communications for internal and external use
- Processed documents and materials to disseminate information to appropriate parties
Direct Sales Agent
Barclays Bank Ltd
01.2008 - 05.2008
- Advertising Barclays products to current customers and would be customers
- Recommending customers for access of Bank products through their complying with KYC Policy
- Evaluating risks involved in product to be accessed by customer and thus determining customers’ eligibility and compliance
- Maintaining customers list
- Following up customers to get their views about products to compare their ageing know how about Barclays and its new inventions.
- Forecasted sales and established processes to achieve sales objectives and related metrics
- Developed sales strategy based on research of consumer buying trends and market conditions
- Built diverse and consistent sales portfolio
Education
Masters in Business Administration - Finance
University of Lusaka
Lusaka, 0912.2023
Bachelor of Science - Accounting and Finance
LIUTEBM
Lusaka, 0906.2020
Diploma - Banking and Finance and Finance
Zambia Institute of Banking Professional
Lusaka07.2013
Diploma - SME and Finance
Zambia Institute of Banking
Lusaka, 0912.2016
Some College (No Degree) - Accounting Technician
National Institute of Public Administration
Lusaka, 09Senior Secondary School Certificate(Grade 12) -
Chiwala Technical Boys High
Ndola12.2004
Skills
- Client Rapport-Building
- Public Speaking
- Business Development
- Customer Interaction
- New Client Acquisition
- Customer Engagement
- Commercial Lending
- Team Training
- Stakeholder Relationship Management
- Converting Leads
- Managing Client Relationships
- Partnership Monitoring
Accomplishments
- Jul 2020 : Embracing Digital Age – The New Normal
- December 2017: Leadership and Human Development
- November 2015: Introduction to Domestic Arbitration
- July 2014: Visa Debit Training Master
- May 2013: Credit Appraisals and Management
- July 2012: Credit Assurance Course with African Life Assurance Ltd
- January-February 2008: Knowledge and skill acquisition Training at Palmwood Lodge courtesy of Barclays Bank in;
- Bank retail support
- Financial complaint handling
- Financial sanction and prohibitions of business activity
- Risk management, Know your customer (KYC) and
- Anti money Laundering.
Timeline
Senior Relationship Manager and Unit Head
Indo – Zambia Bank
01.2019 - Current
Branch Manager
Indo – Zambia Bank Chawama
04.2017 - 07.2019
Assistant Accountant
Indo-Zambia Bank Kabwe
01.2013 - 03.2017
HO Clerk
Indo-Zambia Bank Credit
08.2008 - 01.2013
Clerk
Investrust Bank Operations
03.2008 - 07.2008
Direct Sales Agent
Barclays Bank Ltd
01.2008 - 05.2008
Masters in Business Administration - Finance
University of Lusaka
Bachelor of Science - Accounting and Finance
LIUTEBM
Diploma - Banking and Finance and Finance
Zambia Institute of Banking Professional
Diploma - SME and Finance
Zambia Institute of Banking
Some College (No Degree) - Accounting Technician
National Institute of Public Administration
Senior Secondary School Certificate(Grade 12) -
Chiwala Technical Boys High
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