VINCENT K. NSAMA
Lusaka
Summary
I am a skilled professional proficient in maintaining Books of Accounts and preparing Final Accounts. With a focus on accurate data production for decision-making, I bring honesty, discipline, and integrity to every task. Seeking a challenging role to leverage my training and deliver high-quality work in a demanding environment. While I value rewards, my primary motivation lies in delivering excellence. Accomplished in improving team productivity, acquiring new customers, and increasing branch profitability. Seeking to apply experience and expertise to a fast-paced position with a leading company. Results-driven individual with a solid track record in delivering quality work. Known for excellent communication and teamwork abilities, with a commitment to achieving company goals and delivering exceptional service. Passionate about continuous learning and professional development.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Assistant Branch Supervisor
Micro Finance Zambia (Part of Atlas Mara)
Lusaka
09.2021 - Current
- Achieve targets for client acquisition and portfolio growth through targeted marketing campaigns, personalized client interactions, and proactive identification of growth opportunities
- Provide exceptional customer service by fostering a welcoming environment, resolving client inquiries and concerns, and ensuring staff readiness to deliver supportive service at all times
- Manage the onboarding process for new clients, including conducting assessments, overseeing loan applications, and ensuring compliance with regulatory requirements
- Oversee branch operations and staff management, including training, performance evaluation, and acting as a manager in the absence of the branch manager
- Monitor and ensure compliance with regulatory standards and internal policies, proactively addressing any compliance issues and implementing corrective actions as necessary
- Represent the organization's values and promote its services to customers and potential clients, identifying and capitalizing on opportunities to expand market reach and fulfill branch targets.
Loan Officer
Micro Finance Zambia (Part of Atlas Mara)
Choma
08.2018 - 09.2021
- Advised clients on lending options, evaluating risks, benefits, and consequences, while consulting to understand their financial goals and collecting necessary information
- Developed, evaluated, and processed loan applications, informing applicants of additional requirements, and ensuring timely submission of accurate loan files
- Managed loan pipeline and underwriting analysis using advanced technology, ensuring efficient tracking of closing dates and compliance with loan terms
- Educated clients on loan contracts, facilitated signings, and maintained confidentiality to uphold customer trust and satisfaction
- Supported branch targets by approving loans, participating in promotional activities, and identifying opportunities to expand Micro Finance outreach to potential customers
- Assisted customers with inquiries, fulfilled customer service tasks as needed, and contributed to achieving bank objectives by completing assigned duties
- Managed the loan process from application to completion, including evaluating applications, rejecting loans with explanations, scheduling and tracking deadlines, and ensuring accurate completion of loan contracts and files
- Maintained compliance and up-to-date knowledge of industry trends by participating in educational opportunities, professional organizations, and networking activities, while also representing Micro Finance values to customers
- Supported overall branch objectives by assisting with customer service tasks as needed and fulfilling additional duties as assigned by supervisors.
Credit Officer
Vision Fund Zambia
Kasama
08.2015 - 09.2018
- Review and assess loan requests, including evaluating clients' financial status, creditworthiness, and risks, while gathering necessary documentation and financial data
- Analyze risks and determine loan approval or rejection, calculating financial ratios such as credit scores and interest rates, and setting up suitable payment plans
- Ensure compliance by reviewing clients' files, while also explaining Micro Finance's products in detail to potential customers, convincing them of the benefits, and conducting efficient follow-up to convert leads
- Identify and capitalize on opportunities to expand Micro Finance's customer base, representing the organization's values to customers and fostering positive relationships.
Assistant Accountant
Great Lake Products Ltd
Mpulungu
06.2011 - 07.2015
- Manage financial transactions by collecting, recording, and analyzing receipts and payments, including the preparation of payment vouchers and materials requisition notes
- Maintain accurate financial records and documents, including the reconciliation of books of accounts, bank reconciliations, and systematic filing of accounting records
- Assist in the preparation of financial statements and reports, processing accounts payable and receivable, and ensuring the accuracy of financial transactions
- Support accounting operations by calculating NAPSA contributions, PAYE, and VAT, preparing monthly expense reports for review by directors, and assisting with budgeting and other ad-hoc projects assigned by supervisors.
Accounts Assistant
Great Lake Products Ltd
Mpulungu
05.2010 - 06.2011
- Manage financial transactions by collecting, recording, and reconciling receipts and payments, including the preparation of payment vouchers and materials requisition notes
- Ensure the safe custody of company funds before banking, while also overseeing the preparation of weekly casual wages and monitoring office consumables usage
- Maintain organized accounting documents through systematic filing, while also preparing and reconciling books of accounts to ensure accuracy
- Support accounting operations by performing additional duties as assigned by supervisors.
Sales Agent
Barclays Bank Zambia Plc
Kasama
09.2009 - 04.2010
- Facilitate the opening of new customer bank accounts, ensuring compliance with KYC regulations and availability of necessary account forms
- Provide comprehensive explanations and key information to customers regarding bank products, effectively marketing them to meet customer needs
- Advise customers on loan matters, utilizing knowledge of bank products and services to address customer inquiries and concerns
- Conduct regular checks on newly opened customer accounts to ensure accuracy and compliance with bank procedures, while also actively promoting and selling bank account products.
Education
ZICA Diploma - Accountancy
ZIBSIP
Kitwe01-2007
Grade 12 Certificate -
Kalulushi High School
Kalulushi01-2001
Skills
- Client Acquisition
- Portfolio Growth
- Targeted Marketing
- Customer Service Excellence
- Onboarding Management
- Regulatory Compliance
- Excellent Communication Skills
- Good interpersonal Skills
- Time Management
- Staff Management
- Loan Processing
- Financial Analysis
- Sales and Marketing
- Tax Computation & Payroll (Dove Payroll)
- Ms Excel, Pastel, T24 Banking Syst
- Customer service
- Loan processing
- Team leadership
- Attention to detail
- Risk analysis
- Portfolio management
- Branch operations
- Sales strategies tactics
- Risk assessment
- Team management
- Sales strategies
- Build customer relationships
- Financial management
- Compliance monitoring
- Problem resolution
- Collections actions
- Cash flow management
- Financial administration
Certification
- Member of Zambia institute of chartered Accountants (ZICA)
References
- Mr Patrick Katema| The Administrative Manager| Great Lake Products Ltd| P O Box 420096| Mpulungu| 02-14455051, 097 7 / 096 5 343661
- Bridget Mumba| Credit Analyst| Micro Finance Zambia (Part of Atlasmara)|P O Box 410857| Lusaka, 0977263781
- Bernard Musebo| Branch Manager| Visionfund Zambia| Kasama| 0977698635
Timeline
Assistant Branch Supervisor
Micro Finance Zambia (Part of Atlas Mara)
09.2021 - Current
Loan Officer
Micro Finance Zambia (Part of Atlas Mara)
08.2018 - 09.2021
Credit Officer
Vision Fund Zambia
08.2015 - 09.2018
Assistant Accountant
Great Lake Products Ltd
06.2011 - 07.2015
Accounts Assistant
Great Lake Products Ltd
05.2010 - 06.2011
Sales Agent
Barclays Bank Zambia Plc
09.2009 - 04.2010
ZICA Diploma - Accountancy
ZIBSIP
Grade 12 Certificate -
Kalulushi High School
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