CHUNI KALINDA CHILONGA
Chipata
Summary
Accomplished Risk Management Professional with expertise in risk analysis, regulatory compliance, and strategic planning. Proven ability to identify, assess, and mitigate risks to safeguard organizational interests while fostering team cohesion. Holds an EMBA from Northrise University and a BA in Business and Management from Leeds Metropolitan University, complemented by additional certifications in Shorthand and Typing. Aiming to expand knowledge in money markets and entrepreneurship.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Transactional Risk Officer
Stanbic Bank
11.2022 - Current
- Achieved efficient asset management by overseeing physical cash and bank resources.
- Enhanced team performance by effectively managing and fostering staff collaboration.
- Maintained strong relationships with cross-departmental stakeholders, ensuring seamless operations.
- Streamlined processing of instructions, achieving timely outcomes and improved income collection.
- Drove new business growth through strategic cross-selling initiatives and innovative sales strategies.
- Managed teller and account support teams, ensuring optimal customer service delivery.
Transactional Risk Officer
Stanbic Bank
06.2020 - 11.2022
- Enhanced operational resilience by developing and implementing risk management frameworks.
- Conducted risk assessments to identify vulnerabilities and mitigate potential threats.
- Collaborated with teams to ensure compliance with regulations and internal policies.
- Trained staff on best practices for risk management and awareness.
- Established relationships with stakeholders to promote a culture of risk awareness.
- Managed dormant, overdrawn, and inactive accounts efficiently to mitigate financial risks.
Head Service Support-Acting
Stanbic Bank
04.2022 - 05.2022
- Managed bank assets, including cash, ensuring optimal resource allocation.
- Oversaw service center operations, enhancing overall branch efficiency.
- Identified and mitigated major risks affecting operational support functions.
- Monitored internal controls for adequacy and effectiveness, ensuring compliance.
- Conducted regular fraud awareness workshops, promoting staff vigilance.
- Prepared comprehensive reports for Loss Control regarding loss incidents.
Head Service Support-Acting
Stanbic Bank
04.2021 - 05.2021
- Managed bank assets effectively, ensuring optimal use of physical cash.
- Oversaw branch operations, enhancing service delivery and customer satisfaction.
- Identified and mitigated risks within support functions through proactive measures.
- Monitored internal controls to enhance their effectiveness and compliance.
- Facilitated fraud awareness workshops, promoting staff vigilance against fraudulent activities.
- Prepared detailed loss reports and addressed all inquiries from Loss Control.
Account Analyst-Branch
Stanbic Bank
07.2018 - 06.2020
- Reduced account risks through effective management of overdrawn and dormant accounts.
- Educated clients on account behaviors using referral reports for better compliance.
- Drafted correspondence for account issues, including closures and bounced payments.
- Resolved loan-related concerns for miners, ensuring timely support and solutions.
- Mitigated lending risks by adhering to initial arrears recovery protocols.
- Managed non-performing loans, referring them promptly to minimize potential losses.
Executive Banker
Stanbic Bank
08.2013 - 06.2018
- Strengthened customer retention through proactive relationship management in executive banking.
- Expanded executive banking portfolio by acquiring new business aligned with income specifications.
- Streamlined credit applications, ensuring high-quality motivations for loan approvals.
- Enhanced loan portfolio by cross-selling diverse loans to existing and potential clients.
- Identified financial needs while processing credit and overdraft facilities for clients.
- Minimized income leakage by efficiently collecting all commissions from transactions.
Customer Consultant
Stanbic Bank
02.2013 - 08.2013
- Enhanced customer service by directing clients to appropriate departments.
- Facilitated transactions, including inter-account transfers and fixed deposits.
- Promoted bank products through direct sales to walk-in customers.
- Opened new accounts based on customer requests, ensuring a smooth process.
- Originated ERLM loans for personal customers, enhancing loan offerings.
- Managed internet and mobile banking setups for personal customers.
Account Analyst-Personal Banking
Stanbic Bank
03.2010 - 02.2013
- Reduced account overdraws by efficiently managing credit reports.
- Educated clients on account behavior through detailed referral report reviews.
- Minimized lending risks by adhering to arrears recovery procedures.
- Managed non-performing loans to reduce potential losses from bad debts.
- Expanded loan portfolio through effective cross-selling strategies to clients.
- Identified clients' financial needs and processed credit and overdraft applications.
Customer Consultant - acting
Stanbic Bank
09.2009 - 03.2010
- Enhanced customer service by directing clients to appropriate departments.
- Facilitated transactions, including inter-account transfers for customer convenience.
- Boosted product sales through direct engagement with walk-in customers.
- Opened new accounts based on customer requests, improving client satisfaction.
- Originated ERLM loans for personal customers, streamlining loan processes.
- Enabled personal customers to access internet and mobile banking services.
Customer Service Consultant
Stanbic Bank
12.2007 - 09.2009
- Enhanced customer experience by directing inquiries to appropriate departments.
- Executed transactions efficiently, including inter-account transfers and other services.
- Promoted and sold bank products directly to walk-in clients.
- Facilitated cheque book orders for new and existing customers.
- Distributed cheque books, deposit books, and ATM cards to clients promptly.
- Generated account statements for customer review and record-keeping.
- Oversaw team performance, ensuring high standards of customer service.
Teller
Stanbic Bank
12.2006 - 12.2007
- Receive and accept customer deposits
- Honor customer withdrawals
- Processing of ATM deposits
- Process all foreign cash transactions
- Balance daily at close of day
- Any other duties associated to cash
Clerk/Float
Stanbic Bank
09.2005 - 12.2006
- Attending to customer queries and compliments
- Processing of bank cheques
- Issuing of statements to customers
- Loading of standing/stop orders on customer accounts
- Preparing Government Bonds and Repos and Treasury Bills
- Any other duties assigned to me.
Secretary/Administrative assistant
Mobitel Zambia Limited
05.2004 - 12.2004
- Typing
- Organizing meetings
- Handling the telephone and queries
- Preparing Tender Documents
- Preparing salaries for Mobitel staff
- Receive and direct visitors to the right departments
- Any other duties relating to administration
Assistant secretary (part time)
GKW Consult
01.2003 - 01.2004
- Administrative work including typing
- Operating the Fax, Scanner, phone etc
- Providing refreshment to Managers/visitors; and
- Doing as assigned
Education
Advanced Diploma in Business Administration - ABE
ZABMAC
Lusaka01-2004
Master of Business Administration - Business Administration
NORTHRISE UNIVERSITY
Ndola06.2022
Bachelor of Business and Management - undefined
LEEDS METROPOLITAN UNIVERSITY
U.K07.2009
Diploma in Business Administration - ABE
ZAMAC
Lusaka01.2004
Certificate in Shorthand-Typewriting - ECZ
Evelyn Hone College
Lusaka01.2001
Grade 12 Certificate - ECZ
Namwianga Christian School
Kalomo01.1998
Skills
- COMMUNICATIONS SKILLS
- Effective verbal communication
- Strong customer service skills
- Having had worked in various departments executive banker inclusive, has helped me to be emotionally mature as well as being able to handle pressure as I have been exposed to different types of people
- Data interpretation
- Strong analytical skills
- Knowledge of credit processes
- Enhanced numeracy skills
- DECISION MAKING
- Operational streamlining
- Information gathering and analysis
- INNOVATIVE AND CREATIVE SKILLS
- I love to initiate ideas and from my experience in the bank, I have developed strong creative skills because of the nature of the various positions I have held For example, I came up with an initiative of asking the tellers to be helping other departments whenever they have a chance and I can confidently say they are not only restricted to being tellers but can comfortably work elsewhere
- Proactive problem-solving
- I love to create new and fresh ideas to suit the situation
- ORGANISATIONAL AND PLANNING SKILLS
- I am a very organised person in terms of work and life I love putting my life in order
- Effective planner
- I set targets and plan my activities properly not only at work but outside too
- Task coordination
- PERSUASIVE OR MARKETING SKILLS
- Client relationship management
- I enjoy selling and negotiating and my different experiences in the bank have helped me improve on my marketing skills
- In terms of arguments I am very convincing
- Additional skills
- Social confidence
- Detail-oriented approach
- Adaptable to feedback
- Commitment to continuous improvement
- Strong empathy skills
- Demonstrate honesty
- Top 3 Talents according to PLUM!
- Teamwork
- The ability to work effectively with people and cooperate with others
- Very good at working closely with co-workers and sharing responsibility for the direction and performance of a team
- Strong at building positive relationships and contributing to a positive team spirit
- Extraordinary at providing support, committing to team goals, and making others feel appreciated
- Exceptional at developing long-term relationships built on positive interactions
- Conflict Resolution
- The ability to bring others together to resolve conflicts and reconcile differences
- Very capable of identifying effective strategies to resolve conflict and managing difficult interpersonal situations
- Extraordinary at staying calm and remaining impartial in the midst of conflict
- Excellent at encouraging and building mutual respect and displaying sensitivity in difficult situations
- Exceptional at being considerate in difficult circumstances and aiming to achieve mutually agreeable solutions
- Communication
- The ability to convey ideas effectively and identify messages others are attempting to convey
- Very capable of knowing the "right thing" to say to people and understanding how people will react
- Able to ask questions and use facts, logic and experience to support opinions
- Strong at speaking clearly, conveying positivity, and being sociable
- Excellent at being courteous, cooperative, and considerate with other
- Sanctions screening
- Know your customer
- Incident management
- Anti-money laundering
- Business continuity planning
- Multitasking Abilities
- Team leadership
- Risk assessment
- Asset management
- Operational risk
Affiliations
Associate Member of Association of Business Executives (ABE)
Certification
Several certifications attained from our internal learning programs within Stanbic Bank
- Certified youth leader of the Seventh-day Adventist Church
- Certified youth counselor
Languages
English, Tonga, Nyanja, Bemba and Lozi
Timeline
Transactional Risk Officer
Stanbic Bank
11.2022 - Current
Head Service Support-Acting
Stanbic Bank
04.2022 - 05.2022
Head Service Support-Acting
Stanbic Bank
04.2021 - 05.2021
Transactional Risk Officer
Stanbic Bank
06.2020 - 11.2022
Account Analyst-Branch
Stanbic Bank
07.2018 - 06.2020
Executive Banker
Stanbic Bank
08.2013 - 06.2018
Customer Consultant
Stanbic Bank
02.2013 - 08.2013
Account Analyst-Personal Banking
Stanbic Bank
03.2010 - 02.2013
Customer Consultant - acting
Stanbic Bank
09.2009 - 03.2010
Customer Service Consultant
Stanbic Bank
12.2007 - 09.2009
Teller
Stanbic Bank
12.2006 - 12.2007
Clerk/Float
Stanbic Bank
09.2005 - 12.2006
Secretary/Administrative assistant
Mobitel Zambia Limited
05.2004 - 12.2004
Assistant secretary (part time)
GKW Consult
01.2003 - 01.2004
Bachelor of Business and Management - undefined
LEEDS METROPOLITAN UNIVERSITY
Diploma in Business Administration - ABE
ZAMAC
Certificate in Shorthand-Typewriting - ECZ
Evelyn Hone College
Grade 12 Certificate - ECZ
Namwianga Christian School
Advanced Diploma in Business Administration - ABE
ZABMAC
Master of Business Administration - Business Administration
NORTHRISE UNIVERSITY
References
- Patricia, Nkandu, 0968200455, Stanbic Bank Ndola, Ndola, P.O Box 71525
- Mary, Mutobola, 0977857511, Stanbic Bank Ndola, Ndola, P.O Box 71525
- Joseph, Mwansa, mwansaj@stanbic.com, 0966273427, Stanbic Bank, Chipata
Interests
Reading, researching on various things, general learning and traveling