Lovemore Limbithu
Lilongwe
Summary
A results-driven and accomplished banking professional with over 7 years of extensive experience in auditing, operations, and internal controls. Holding a Bachelor of Business Administration in Accounting, I am deeply passionate about leadership, team motivation, and delivering exceptional customer service. My expertise is further strengthened by a robust background in financial statement analysis and a commitment to driving operational excellence while ensuring client satisfaction.
Overview
12
12
years of professional experience
Work History
Client Analyst
FDH Bank Plc
12.2019 - Current
- Addressing and resolving customer inquiries and concerns related to credit facilities, as well as managing general account-related issues to ensure customer satisfaction and seamless banking experiences.
- Analyzing and processing client's personal and SME loans, overdraft facilities, bank guarantees and bid bonds
- Reviewing SME financial statements, and financial projections to determine business viability
- Reviewing a customer's application, security and credit history to determine if they will be able to service the applied facility
- Acquiring new customers for the bank through visitations and cross selling bank credit products
- Observing and acting on non-performing loans (NPLs) to ensure returns on credit facilities
Internal Auditor
FDH Bank Plc
02.2018 - 12.2019
- Developed programs to address and evaluate regulatory requirements for specific departments
- Evaluated the bank's policies to determine how well they adhere to best practices
- Recommended new methods to improve internal controls and operating efficiency
- Investigated discrepancies that were discovered during audit process
- Prepared suitable reports on risk and information collected from audits and distributed them to the appropriate personnel
- Collecting and arranging information and entering details in to MKInsight auditing software for audit purposes
- Conducted targeted follow-ups to ensure improved company processes
- Investigated suspected cases of fraud and theft involving employees or customers
Onsite Teller
FDH Bank Plc
01.2017 - 02.2018
- Received and processed Value Added Tax, Domestic Excise Tax, Pay As You Earn, Corporate Financial Tax, Provisional Tax, Withholding Tax, Fringe Benefit Tax, Pension Fund Tax and Dividend Tax
- Entered data and produced reports using TEMENOS 24 (T24) Banking System
- Produced daily account reconciliations for both MRA and CASTEL Malawi
- Resolved and attended to queries from the finance team of CASTEL Malawi on transactions in their company account
- Trained new tellers on institutional processes and procedures, mentoring through learning period and answering questions
Bank Teller
FDH Bank Plc
02.2016 - 01.2017
- Coordinated daily cash reconciliation for the branch
- Prepared, sorted and distributed reconciliation reports to appropriate personnel
- Maintained friendly and professional customer interaction
- Rapidly and efficiently prepared customer ATM orders
- Conducted ATM cash reload, reports and reconciliations
- Executed funds transfers, stop payments and account detail updates
- Executed customer transactions, including deposits, withdrawals, and checks transactions
- Maximised customer satisfaction by educating them on options for managing financial transactions by leveraging on the banks digital products and online platforms
Assistant Accountant
Chitawira Pvt Hospital
02.2013 - 02.2016
- Produced invoices using Quick Books Accounting System
- Producing monthly petty cash summaries
- Assisted in stock count and prepared stock count report
- Prepared bank reconciliations, stock count reports and prepared monthly payroll summaries
Education
BBA - Accounting
University of Eastern Africa Baraton
GCSE's -
Garth Hill Collage
Bracknell, EnglandSkills
- Customer service
- Financial Statement analysis
- Reconciliation
- Risk based audit
- Identifying loopholes in Internal controls
- SME assessment for credit variability
- Public speaking
- Leadership
- Persuasive communication
- Strong business acumen
Professional Relevant Skills
- Capable of Financial Statement analysis and understanding
- Reconciliation
- Risk based audit
- Capable of identifying loopholes in Internal controls
- Capable of SME assessment for credit variability
- Public speaking
- Leadership
Trainings Attended
- Customer Services
- Anti-Money Laundering and Terrorist Financing
- Operational Procedures Training
- ATM Reconciliation Training
- TEMENOS 24 (T24)
- Introduction to Internal Auditing
- Data entry using statistical package for social sciences
Hobbies and Interests
In my spare time, I compose and record music.
Music composition and production
In my spare time, I channel my creativity into composing and producing music, which is available for streaming on all major platforms. This artistic pursuit allows me to express myself and connect with my audience through my work.
References
Jones Chabwera
Head of Credit Department
FDH Bank Plc
P. O. Box 512
Blantyre
jchabwera@fdh.co.mw
0888622262
Patrick Zuze
Finance Manager
FDH Bank Plc
P. O. Box 512
Blantyre
pzuze@fdh.comw
0884263076
Rosa Zintambira
Manager, ICT Audit
FDH Bank Plc
P. O. Box 512
Blantyre
rbodole@fdh.co.mw
0999563214
Timeline
Client Analyst
FDH Bank Plc
12.2019 - Current
Internal Auditor
FDH Bank Plc
02.2018 - 12.2019
Onsite Teller
FDH Bank Plc
01.2017 - 02.2018
Bank Teller
FDH Bank Plc
02.2016 - 01.2017
Assistant Accountant
Chitawira Pvt Hospital
02.2013 - 02.2016
BBA - Accounting
University of Eastern Africa Baraton
GCSE's -
Garth Hill Collage
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