Summary
Overview
Work History
Education
Skills
Timeline
AdministrativeAssistant
Morril Ebrahim Ndemanga

Morril Ebrahim Ndemanga

Balaka,Malawi

Summary

I have 14 years of experience working in both Islamic and conventional banking sectors. I have also studied both Islamic and conventional banking paradigms to masters degree level. This has made me a global banker having studied and worked in both banking systems.


In addition to that, I have worked in managerial position in both Islamic and conventional banks that helps me in steering my team to right directions having attained managerial experience over 14 years.


Kenya is well advanced in Islamic banking that I will be able to achieve my given targets with experience I have attained.

Overview

15
15
years of professional experience

Work History

ACCOUNT RELATIONSHIP MANAGER- ISLAMIC BANKING

FDH BANK PLC MALAWI
04.2024 - Current
  • Achieve annual given business growth targets in all business parameters
  • Act as bridge between the bank and Shariah Advisory Committee on pertinent matters
  • Manage and maintain relationships with key/strategic Banking stakeholders
  • Training bank staff on Islamic banking in harmonizing systems
  • Conducting country wide Islamic banking awareness campaign
  • Dealing with gaps in systems and customer concerns in improving service delivery
  • Improving quality of Islamic banking portfolio by managing Portfolio at Risk (PAR) and find ways to mitigate emerging risks
  • Help Shariah Advisory committee in reviewing contracts for amendment
  • Assist Shariah Advisory committee in product engineering to suit different segments of customers by looking at their needs
  • Arrange Shariah Advisory committee meetings and act as secretary

BRANCH MANAGER / LEADER

FINCA Microfinance Bank Malawi
02.2017 - Current
  • Manage delivery of products and services in the branch and aligned units to ensure progress towards the strategic and operational plans that support maximum outreach
  • Manage branch operations including marketing / sales efforts, business analysis, client screening, loan disbursements, payment collection, savings (if applicable), etc
  • Control level of efficiency and accuracy in all back office operations
  • Manage branch level administrative department to support operations and maximum customer satisfaction
  • Support the design, testing, and rollout new / revised products and services as required
  • Responsible of screening asset files as monitor customer credit appraisals, branch Portfolio At Risk (PAR) and control OD numbers
  • Daily monitoring of Management Information System (MIS) on LO’s working in the individual branch (mobilization 2H, F2F, field visits)
  • Review corporate goals and objectives and align individual and team goals with the organization
  • Assure that subordinates have a clear understanding of what performance results and behaviors are expected from them through regular meetings to review progress on the approved plans and exchange feedback
  • Obtain feedback from internal and external customers, team members, co-workers concerning employee performance
  • Address issues arising from daily operations, make adjustments in previously set performance plan if need be
  • Timely conduct performance appraisal sessions according to the organization’s establishment procedures
  • Create and maintain positive working environment to the highest ethical level; promote mutual respect, understanding, trust and cooperation among all team members
  • Implement effective internal audit activities
  • Respond to audit and compliance reports in a timely fashion
  • Follow up on audit findings and implement accepted recommendations
  • Monitor high risk accounts which may be written off in future and resolve write off portfolio at branch level
  • Responsible for all branch issues related to administrative matters such as security, construction etc
  • Responsible for overall branch deposits target and maximize branch business as per assigned targets
  • Management of branch deposits portfolio on both volume and customer base

Senior Customer Relationship Manager for Small & Medium Enterprise (SME) Overseeing Eastern Region

FINCA Microfinance Bank Malawi
04.2015 - 01.2017
  • Maintain a good relationship with staff, and pursue additional training as warranted
  • Partner with Credit Team Leader to develop weekly and monthly actions plans with regard to client mobilization and individual performance goals
  • Maintain a good knowledge of assigned market area and understanding of client’s needs and competing products
  • Research and develop new business opportunities within assigned geographical zone
  • Responsible for full lending cycle of loan initiation, processing, monitoring and repayment
  • Conduct thorough analysis of each client’s / group’s payment capacity and willingness; evaluate the credit risk before the Credit Committee
  • Fully responsible for all collection efforts regarding clients, daily monitor clients’ repayment, act immediately on loans in arrears according to lending policy, present all delinquent clients and recommend solutions to arrears committee, implement committees decision
  • Ensure clients receive the best service; maintain good relations with clients, and timely respond to the needs of existing clients
  • Ensure that each loan is disbursed in compliance with FINCA lending procedures, policies and methodology at all stages of loan processing

Senior Investment & Accounts Relationship Officer

Shariah Investment Limited (Islamic Asset Financing Company)
01.2010 - 03.2015
  • Seeking funds for non interest based investments (Murabaha, Mudaraba, Musharaka, Ijara, Istisna) at reasonable and effective cost
  • Disbursing non interest based loans after engaging credit appraisal techniques to mitigate default risk
  • Monitoring strategies taken in mitigating risks in Investments
  • Making sure that there is total compliance in corporate and risk governance
  • Responsible for customer Retention and customer requisition
  • Identify new potential clients, business opportunities and persuade new customers to place business with the company

Education

Master of Arts - ISLAMIC BANKING, FINANCE AND MANAGEMENT

Loughborough University
United Kingdom
11.2008

Associate of Applied Science - ADVANCED DIPLOMA IN BANKING

INSTITUTE OF BANKERS IN MALAWI
MALAWI
09.2013

Associate of Applied Science - ISLAMIC ECONOMICS

ISLAMIC RESEARCH & TRAINING INSTITUTE (IRTI)
ISLAMIC DEVELOPMENT BANK, IDB JEDDAH
05.2008

Skills

Bank operations

Manage delivery of products and services in the branch and aligned units to ensure progress towards the strategic and operational plans that support maximum outreach
Manage branch operations including marketing / sales efforts, business analysis, client screening, loan disbursements, payment collection, payment collection, savings (if applicable), etc
Control level of efficiency and accuracy in all back office operations
Manage branch level administrative department to support operations and maximum customer satisfaction

Risk Management

Implement effective internal audit activities
Respond to audit and compliance reports in a timely fashion Follow up on audit findings and implement accepted recommendations
Monitor high risk accounts which may be written off in future and resolve write off portfolio at branch level
Responsible for all branch issues related to administrative matters such as security, construction etc

Staff Management

Review corporate goals and objectives and align individual and team goals with the organization
Assure that subordinates have a clear understanding of what performance results and behaviors are expected from them through regular meetings to review progress on the approved plans and exchange feedback
Obtain feedback from internal and external customers, team members, co-workers concerning employee performance
Address issues arising from daily operations, make adjustments in previously set performance plan if need be

Deposit Mobilization

Responsible for overall branch deposits target and maximize branch business as per assigned targets
Management of branch deposits portfolio on both volume and customer base

Timeline

ACCOUNT RELATIONSHIP MANAGER- ISLAMIC BANKING

FDH BANK PLC MALAWI
04.2024 - Current

BRANCH MANAGER / LEADER

FINCA Microfinance Bank Malawi
02.2017 - Current

Senior Customer Relationship Manager for Small & Medium Enterprise (SME) Overseeing Eastern Region

FINCA Microfinance Bank Malawi
04.2015 - 01.2017

Senior Investment & Accounts Relationship Officer

Shariah Investment Limited (Islamic Asset Financing Company)
01.2010 - 03.2015

Master of Arts - ISLAMIC BANKING, FINANCE AND MANAGEMENT

Loughborough University

Associate of Applied Science - ADVANCED DIPLOMA IN BANKING

INSTITUTE OF BANKERS IN MALAWI

Associate of Applied Science - ISLAMIC ECONOMICS

ISLAMIC RESEARCH & TRAINING INSTITUTE (IRTI)
Morril Ebrahim Ndemanga