Michael C.M Phiri Phiri
Branch Manager
I am looking for management opportunities which offers more training to add on skills I already have.
Work Experience
- 2008 - 2020Bayport Financial ServicesBranch Manager• Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
• Raised capital by building partnerships with investors and maintaining strong stockholder relationships.
• Worked with regulatory representatives to complete accurate filings and maintain compliance.
• Compiled operational and risk reports detailing financial metrics to help management make proactive decisions.
• Received internal audit score of B Rating.
• Planned and coordinated risk mitigation strategies to protect company assets.
• Developed and maintained client rapport to meet financial service needs and drive branch loyalty.
• Evaluated budget plans and current costs to project trends and recommend updates.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Performed ceiling maintenance of treasury management auto-pay product.
• Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
• Designed sales and service strategies to improve revenue and retention.
• Maximized branch revenue by optimizing daily operations.
• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans.
• Performed daily maintenance of loan applicant database.
• Monitored more than 50 client relationships per region.
• Interviewed average of 150 loan applicants per month and provided expert financial advice on educational and personal loans.
• Assessed employee performance and issued disciplinary notices.
• Coordinated special update and conversion projects and monitored key performance metrics.
• Developed annual branch business plan for maximum profitability and effectiveness.
• Networked within communities to identify and capitalize on business opportunities.
• Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
• Achieved net profit of 10% above year sales plan.
• Increased sales staff from 10 to 50 employees to increase our catchment area there by increase in revenue.
• Managed largest branch in Zambia(Lusaka) region, achieving high customer satisfaction rates
• Executed loan origination process, including ordering credit reports, appraisals, and conducting call backs.
• Increased efficiency and drove branch revenue by optimizing daily operations.
• Oversaw branch team with 100 customer service representatives and 30 branch supervisors and implemented training for all new employees.
• Produced sales by executing complete sales cycle process from prospecting through contract negotiations and close.
• Reviewed over 100 applications against established parameters to determine approval, rejection or modification requirements.
Education
- 2010 - 2013Kabwe Institute of TechnologyProfessional Accountancy - ZiCA Licentiate Certificate
Skills
- • Excels in team leadership
- • Proficient in Software Program; Word, Excel and outlook
- • QuickBooks experience
- • Account analysis expertise
- • Expert in risk management
- • People-oriented
- • Risk analysis
- • Fluent in English
- • Financial Industry Computer Systems Loan Accountant
- • Excellent time management skills
- • Delivery fleet management
- • Key performance indicators
- • Safety protocol
- • Excellent work ethic
- • Employee training • Strong interpersonal skills
- • Client relationship management
- • Investment guidance
- • Government regulations
- • Customer and vendor relations
- • Excellent communication skills; written, verbal and listening
- • Basic mathematical aptitude
- • Staff supervision
- • Document flow coordination
- • Regulatory compliance
- • Financial administration
- • Multi-tasking ability
- • Cost and budget analysis
- • Multilingual in Languages; English, Bemba and Nyanja
Hobbies
- ➢ Travelling to new places
- ➢ Reading
- ➢ Playing football
- ➢ Making friends
- ➢ Watching Action movies
- ➢ Fishing
- ➢ Exploring new technologies
Personal Details
- Sex: Male
- Marital Status: Married
- Religion: Christian
- Nationality: Zambian
- Date of Birth: 01-01-1985
References
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