Daniel Meshach Mkowe
Banker
Lilongwe
Summary
Successful at excelling in fast-paced, competitive banking environments. Good sales and customer service abilities paired with in-depth knowledge of bank products and services. Proficient in updating accounts, processing transactions and coordinating records.
Overview
12
12
years of professional experience
5
5
years of post-secondary education
Work History
Enterprise Banker– Enterprise Direct; Business and Commercial Clients
Standard Bank Malawi
Mzuzu, Mzimba District
11.2022 - 3 2023
- Interprets customer’s financial information (e.g., cash flow, bank statements, etc.) in order to prepare and motivate credit applications in line with credit requirements
- Indirectly and directly liable for providing growth to the bank’s asset/liability book
- Grow the Enterprise Direct new to bank clients, balance sheet and income statements in line with business strategic objectives
- Promote and pro-actively sell a range of banking offerings and solutions to meet the financial needs of Enterprise Direct clients (e.g., initiating outbound calls to reactivate dormant accounts) in line with the segment value proposition
- Resolve client requests tactfully and within set SLA’s, whilst not compromising the client or the bank’s interests / reputation
- Acquire and open new business accounts and cross sells additional products and services in line with client needs by identifying and referring sales leads to relevant stakeholders (e.g., Vehicle and Asset Finance, Card, etc.)
- Conduct a financial needs analysis with all new and existing clients to ensure that product opportunities identified are appropriate to meet the client’s needs and priorities (in line with regulatory categories, where relevant)
- Identify alternative solutions in order to meet client demand whilst still meeting the bank’s profitability, risk and compliance requirements - aiming for a win-win situation for both client and the bank
- Pro-actively manage portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the client’s relationship with the Bank
- Monitor initial activation and usage of transaction accounts and proactively take steps to mitigate dormancy
- Educate clients regarding the value of using self-service channels (e.g., Internet Banking, ATMs and Mobile Banking) to empower clients and minimise ad-hoc service requests
- Educate clients with regards to lending application processes (e.g
- Vehicle finance, overdraft, credit card, loans, cash, etc.), credit maintenance processes (e.g
- Annual reviews) and account conduct expectations (e.g., minimum account balances, provision for debit orders and cheque payments, etc.)
- Adhere to quality assurance standards
- Ensure all legislative requirements are met as it relates to selling of product offerings
- Ensure retention and re-activation of clients in allocated portfolio
- Interpret client’s financial information (e.g., cash flow, bank statements, etc.) in order to prepare and motivate credit applications in line with credit requirements
- Refer matters outside scoring criteria, with the appropriate information, to relevant areas for further investigation
- Action relevant reports (e.g., completion of referral reports, exception reports to eliminate accounts in excess, etc.) on a daily, weekly and monthly basis in line with account management standard operating procedures.
- Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients
- Investigated customer inquiries and resolved discrepancies in helpful and timely manner
- Developed and maintained strong customer relationships, providing exceptional service and advice
- Educated customers on features and benefits of banking products and services
Sales Support Analyst – Corporate Banking
First Capital Bank Plc
Lilongwe, Lilongwe District
07.2016 - 05.2021
- Developing and maintaining credible relationships with clients at appropriate levels through reliable, proactive service delivery and the skilful application of specialist knowledge
- Ensuring that the Corporate Relationship Manager is aware of and co-ordinates all contact between the Bank and the Client
- This includes updating and utilizing information obtained through CRM/Rapport
- Being 100% available to client and first point of contact for transactional products and credit related aspects
- Responsible for successful execution of all service/transactional requests for corporate customers
- Initiation of transactional excesses/temporary overdrafts for corporate customers
- Coordination point between the back offices (Credit, IB, RPC, CPC, IT etc) and the customers
- Getting the documentation (offer letters, charges, etc) completed from corporate customers through liaison with the CRMs
- Attending to customer complaints and getting the issues resolved by coordinating with internal departments
- Providing ad-hoc information, details, statements, status of cheques etc to corporate customers
- Seeking transaction confirmations from the corporate customers
- Maintaining an ongoing strong relationship with the customer’s accounts / finance department
- Sending renewal instruction letters to corporate customers three months before expiry
- Compiling of proposals in CLO on behalf of CRMs and ensure that they are approved timely
- Ensuring that all limits are loaded in the system once all documents are submitted to Credit Head Office
- Follow up with customers on all excesses and temporary overdrafts for standard, special mention and substandard assets and submit reports as and when requested
- I.e
- To respond on all customers under portfolio being managed
- Ensuring that all expired guarantees are reversed after getting originals from beneficiaries and liaising with customers in writing
- Compiling pipeline for all CRMs in line with the portfolios.
Customer Operations Officer
First Merchant Bank Limited
Blantyre, Blantyre District
01.2013 - 06.2016
- Processing bills remittance to billers i.e
- ESCOM, Waterboard, MASM, Multichoice, Blantyre and Lilongwe city assemblies
- Processing mass funds transfers, tobacco proceeds & client salaries
- Fixed and Call deposits authorization i.e
- New, Liquidation, Top-up
- Processing customer standing instructions/orders
- Processing of real time gross settlement transfers (RTGS) & Internal customer transfer instructions
- Successfully managed to organize and supervise a team of 10 junior workmates.
Teller/Teller Assistant
First Merchant Bank Limited
Blantyre, Blantyre District
01.2011 - 12.2012
- Cashing Cheques, Savings Withdrawals & Internal Debits
- Accepting & accounting for cash received & paid during the day
- Cash & Cheque deposits from customers
- Posting all cash transactions into computer for checking & safe custody
- Sealing treasury cash in recommended format & handing over to custodians
- Seeking authority from the Supervisor on all encashment above the designated limit
- Accepting cash & cheque payments for bills and issuing receipts for bills
- New MASM/Multichoice account maintenance & authorization
- Monitoring cash levels at teller counters
- Daily checking of bill payments transactions; MASM, Multichoice, City Assembly, ESCOM & Waterboard.
Customer Operations/Deposits Clerk
First Merchant Bank Limited
Blantyre, Blantyre District
01.2009 - 12.2010
- Implementing Standing Orders
- Collecting and remitting of deposit withholding tax
- Assisting on enquiries with Safe deposit lockers
- Posting and raising vouchers
- Dealing with funds transfer/ inter branch/ internal vouchers
- Booking and liquidation of FDR and call accounts
- Processing contracts upon maturity of 7 day call
- Maintenance of register, daily, records and files
- Deposits accounts returns
- Referrals of cheques presented over the counter
- Stop payment orders
- Preparation of bankers cheques
- Balancing and making off paid cheques in register
- Cheque books order/ Cheque book maintenance
- Issuing of cheque books, counter cheques, bankers cheques and collection of commission
- Opening of Current and Savings accounts.
- Maintained filing system and organized customer documents for easy retrieval of information
- Enhanced office organization with regular maintenance of files, records, and supplies inventory
- Utilized strong multitasking skills to manage multiple priorities and tasks, ensuring timely completion of each assignment
- Supported administrative staff with timely completion of daily tasks, ensuring smooth office operations
Education
Master of Business Administration – General(Pending) -
Unicaf University
Malawi 09.2023 - 05.2025
Bachelors of Business Administration majoring in Accounting -
Columbia Commonwealth University Malawi
Blantyre 09.2013 - 05.2015
Diploma in Accounting – ICAM -
Malawi College of Accountancy, Blantyre
Blantyre 01.2007 - 05.2008
Skills
Language - Fluent in English, Chichewa and Chitumbuka
Computer Skills – Microsoft Office, Finacle (Banking System), Flex Cube (Banking System), Chequepoint, MASM Payments System, Multichoice Subscriptions System
Personal Interests – Watching soccer, playing volleyball
Citizenship
Malawian
Maritalstatus
Married
Coreskillsandexperience
- Team leadership
- Analysis & review of business proposals
- Deal structuring and underwriting of credit proposals
- Sales and marketing of financial products and services
- Customer retention
- Market research
- Risk management
- Regulatory compliance
- Portfolio management
Professionaltrainingcoursesattended
- Finance for non-Finance Managers
- Sales & Customer Management
- Customer Service & Relationship Management
- Leadership Development
- Marketing Management
- Intermediary Credit Training Programme
Placeofbirth
Mzimba, Malawi
Personal Information
- Date of Birth: 04/27/87
- Visa Status: Permanent Resident
References
- Mr. Mdauko Ngulube, Corporate Banking Manager, NBS Bank Plc, P.O. Box 32251, Blantyre, Malawi, +265 888 646 148, Mdauko.Ngulube@nbs.mw
- Mrs. Martha Moyo, Regional Corporate Manager, First Capital Bank, Private Bag 85, Lilongwe, Malawi, +265 888 853 407, Martha.Moyo@firstcapitalbank.co.mw
- Mrs. Thenga Kapeta Chipeta, Regional Corporate Manager, First Capital Bank, Private Bag 122, Blantyre, Malawi, +265 999 295 555, Thenga.kapeta09@gmail.com
Timeline
Master of Business Administration – General(Pending) -
Unicaf University
09.2023 - 05.2025
Enterprise Banker– Enterprise Direct; Business and Commercial Clients
Standard Bank Malawi
11.2022 - 3 2023
Sales Support Analyst – Corporate Banking
First Capital Bank Plc
07.2016 - 05.2021
Bachelors of Business Administration majoring in Accounting -
Columbia Commonwealth University Malawi
09.2013 - 05.2015
Customer Operations Officer
First Merchant Bank Limited
01.2013 - 06.2016
Teller/Teller Assistant
First Merchant Bank Limited
01.2011 - 12.2012
Customer Operations/Deposits Clerk
First Merchant Bank Limited
01.2009 - 12.2010
Diploma in Accounting – ICAM -
Malawi College of Accountancy, Blantyre
01.2007 - 05.2008
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