Work Preference
Summary
Overview
Work History
Education
Skills
Professional Training Courses
Personal Information
Timeline
Generic
Daniel Meshach Mkowe
Open To Work

Daniel Meshach Mkowe

Experienced Banking Professional
Lilongwe,Central

Work Preference

Desired Job Title

Enterprise Banker– Enterprise Direct; Business and Commercial ClientsSales Support Analyst – Corporate BankingCustomer Operations OfficerTeller/Teller AssistantCustomer Operations/Deposits Clerk

Work Type

Full TimePart TimeContract WorkGig WorkConsultingVolunteerSeasonal Work

Location Preference

On-SiteRemoteHybrid
Location: Lilongwe, Central, MW
Open to relocation: Yes

Salary Range

15000000/yr - 45000000/yr

Important To Me

Career advancementWork-life balanceCompany CulturePersonal development programsHealthcare benefitsTeam Building / Company Retreats

Summary

Seasoned banking professional with over 14 years of progressive experience in commercial and corporate banking, credit analysis, risk management, and relationship
management. Recently completed an MBA with a strong academic performance (CPA 3.0). Proven expertise in portfolio growth, regulatory compliance, financial analysis, and delivering exceptional client outcomes. Recognized for analytical rigor, leadership capability, and driving revenue through strategic sales and service excellence.

Overview

14
14
years of professional experience
8
8
years of post-secondary education

Work History

Enterprise Banker– Enterprise Direct; Business and Commercial Clients

Standard Bank Malawi
Mzuzu
11.2022 - 03.2023
  • 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-sell additional products and services in line with client needs by identifying and referring sales leads to relevant stakeholders (e.g., Vehicle and Asset Finance, cards, 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 the 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
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
  • Delivered exceptional customer service, addressing concerns promptly and professionally to ensure client satisfaction.

Sales Support Analyst – Corporate Banking

First Capital Bank Plc
Lilongwe
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
  • Enhanced sales processes by analyzing performance data and identifying areas for improvement.
  • Optimized sales pipeline management through meticulous tracking of leads, opportunities, and deals.
  • Leveraged CRM tools effectively to maintain accurate records of client interactions and progress towards sales targets.

Customer Operations Officer

First Merchant Bank Limited
Blantyre
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
  • Provided excellent customer care to maintain and improve customer relations, strengthen loyalty and increase product and service sales.

Teller/Teller Assistant

First Merchant Bank Limited
Blantyre
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
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Processed customer transactions promptly, minimizing wait times.

Customer Operations/Deposits Clerk

First Merchant Bank Limited
Blantyre
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
  • Improved customer satisfaction by promptly answering inquiries and providing accurate information.
  • Maintained filing system and organized customer documents for easy retrieval of information.
  • Utilized strong multitasking skills to manage multiple priorities and tasks, ensuring timely completion of each assignment.
  • Reduced errors in data entry by carefully inputting information into computer systems with attention to detail.

Education

MBA - General

Unicaf University
Lilongwe
09.2023 - 11.2025

BBA - Accounting

Columbia Commonwealth University Malawi
Blantyre
02.2014 - 12.2015

Diploma in Accounting - ICAM

Malawi College of Accountancy
Blantyre, BL
01.2005 - 08.2008

Skills

  • Collaborative Team Management
  • Business Proposal Analysis
  • Underwriting and Credit Analysis
  • Financial Product Sales
  • Customer Engagement Improvement
  • Consumer Insights
  • Risk Assessment
  • Regulatory Adherence
  • Comprehensive Portfolio Analysis
  • Financial Acumen for Managers
  • Customer Relationship Management
  • Customer Service Excellence
  • Leadership Development
  • Marketing Management

Professional Training Courses

  • Finance for non-Finance Managers
  • Sales & Customer Management
  • Customer Service & Relationship Management
  • Leadership Development
  • Marketing Management
  • Intermediary Credit Training Programme

Personal Information

  • Citizenship: Malawian
  • Date of Birth: 04/27/87
  • Marital Status: Married
  • Visa Status: Permanent Resident

Timeline

MBA - General

Unicaf University
09.2023 - 11.2025

Enterprise Banker– Enterprise Direct; Business and Commercial Clients

Standard Bank Malawi
11.2022 - 03.2023

Sales Support Analyst – Corporate Banking

First Capital Bank Plc
07.2016 - 05.2021

BBA - Accounting

Columbia Commonwealth University Malawi
02.2014 - 12.2015

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
01.2005 - 08.2008

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Daniel Meshach MkoweExperienced Banking Professional