Daniel Meshach Mkowe
Lilongwe
Summary
Professional banking expert with strong analytical skills and deep understanding of financial services, risk management, and customer relations. Adept at team collaboration and consistently achieving high-impact results. Reliable and adaptable to changing needs, with expertise in financial analysis, loan processing, and regulatory compliance. Recognized for strong communication abilities and problem-solving skills.
Overview
14
14
years of professional experience
Work History
Enterprise Banker– Enterprise Direct; Business and Commercial Clients
Standard Bank Malawi
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
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
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
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
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
Lilongwe08.2025
BBA - Accounting
Columbia Commonwealth University Malawi
Blantyre12.2015
Diploma in Accounting - ICAM
Malawi College of Accountancy
Blantyre, BL08.2008
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
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
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
MBA - General
Unicaf University
BBA - Accounting
Columbia Commonwealth University Malawi
Diploma in Accounting - ICAM
Malawi College of Accountancy
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