DANIEL MESHACH MKOWE
Lilongwe
Summary
Banking professional with progressive experience in commercial and corporate banking, credit analysis, risk management, and client relationship management. Strong background in portfolio growth, financial analysis, regulatory compliance, and delivering client-focused solutions. Recently completed an MBA (Credit classification, CPA 3.0) with high performance in Managerial Economics, Business Methods, and Dissertation. Proven ability to support revenue growth through product sales, cross-selling, and proactive client engagement while maintaining compliance and operational standards.
Overview
14
14
years of professional experience
2
2
Languages
Work History
Enterprise Banker - Business and Commercial Clients
Standard Bank Malawi
Mzuzu
11.2022 - 03.2023
- Analysed customer financial data (cash flow, bank statements) to prepare and justify credit applications meeting bank credit standards.
- Supported growth of the bank's asset and liability book by acquiring new clients and improving balance sheet and income statement metrics.
- Promoted and sold tailored banking products; cross-sold vehicle finance, cards and related services based on financial needs analysis.
- Resolved client queries within SLAs, reactivated dormant accounts through outbound calls, and monitored account usage to minimise dormancy and maximise fee and margin income.
- Educated clients on digital channels (Internet and Mobile Banking) and guided them through lending and account management processes while ensuring regulatory compliance.
Sales Support Analyst - Corporate Banking
First Capital Bank Plc
Lilongwe
07.2016 - 05.2021
- Served as primary contact for transactional products and credit-related matters for corporate clients, ensuring high service availability and timely execution of requests.
- Coordinated with Credit, IT and other internal departments to process transactional excesses, temporary overdrafts, offer letters and limit loadings.
- Managed renewal instruction letters, compiled and tracked credit proposals in the CLO system on behalf of Relationship Managers, and followed up on excesses and expired guarantees.
- Analysed sales performance data, tracked leads and opportunities in the CRM, and maintained accurate records to support pipeline management and target achievement.
- Provided ad-hoc client information (statements, cheque status) and resolved complaints efficiently, strengthening client relationships and supporting overall portfolio performance.
Customer Operations Officer
First Merchant Bank Limited
Blantyre
01.2013 - 06.2016
- Processed bill remittances, mass funds transfers (including tobacco proceeds and salaries), fixed and call deposits, standing orders, RTGS and internal transfers with accuracy and timeliness.
- Organised and supervised a team of 10 junior staff, promoting collaboration and operational efficiency.
- Delivered strong customer service that strengthened client relationships, improved loyalty and supported increased product and service sales.
Teller / Teller Assistant & Customer Operations / Deposits Clerk
First Merchant Bank Limited
Blantyre
01.2009 - 12.2012
- Handled cash and cheque transactions, deposits, withdrawals, bill payments and account opening while maintaining cash security and compliance with authorisation limits.
- Managed standing orders, fixed deposit booking and liquidation, cheque book issuance, stop payments, bankers' cheques and deposit-related administrative tasks.
- Maintained accurate records and filing systems, supported daily operational controls, and consistently delivered prompt customer service.
Education
Master of Business Administration - General
Unicaf University
11.2025
Bachelor of Business Administration - Accounting
Columbia Commonwealth University Malawi
12.2015
Diploma in Accounting - undefined
Malawi College of Accountancy
08.2008
Skills
- Underwriting
- Credit Analysis
- Risk Assessment
- Regulatory Compliance
- Portfolio Review
- Cash Flow Analysis
- Business Proposal Evaluation
- Financial Needs Analysis
- Performance Reporting
- Client Relationship Management (CRM)
- Product Sales
- Cross-selling
- Customer Service Excellence
- Dormant Account Reactivation
- Transaction Processing
- Team Coordination
- Process Improvement
- Sales Pipeline Management
- Stakeholder Coordination
Languages
English
Chichewa
Professional Development
- Finance for Non-Finance Managers
- Sales & Customer Management
- Customer Service & Relationship Management
- Leadership Development
- Marketing Management
- Intermediary Credit Training Programme
Citizenship
Malawian
Personal Information
Availability: Available for immediate employment
References
- Mr. Mdauko Ngulube, Corporate Banking Manager, NBS Bank Plc, Blantyre, Malawi, +265 888 646 148, Mdauko.Ngulube@nbs.mw
- Mrs. Martha Moyo, Regional Corporate Manager, First Capital Bank, Lilongwe, Malawi, +265 888 853 407, Martha.Moyo@firstcapitalbank.co.mw
- Kondwani C.A. Ngwira, Head of Agronomy, Hail & Cotton, Lilongwe, Malawi, +265 881 801 454, kondwanicangwira@gmail.com
Availability
Available for immediate employment
Timeline
Enterprise Banker - Business and Commercial Clients
Standard Bank Malawi
11.2022 - 03.2023
Sales Support Analyst - Corporate Banking
First Capital Bank Plc
07.2016 - 05.2021
Customer Operations Officer
First Merchant Bank Limited
01.2013 - 06.2016
Teller / Teller Assistant & Customer Operations / Deposits Clerk
First Merchant Bank Limited
01.2009 - 12.2012
Master of Business Administration - General
Unicaf University
Bachelor of Business Administration - Accounting
Columbia Commonwealth University Malawi
Diploma in Accounting - undefined
Malawi College of Accountancy