Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Maviyo Thami Nkosi

Maviyo Thami Nkosi

Banker

Summary

Proven leader and analytical thinker, excelling in roles at The Standard Bank Of South Africa, where I leveraged computer skills and teamwork to drive business growth and enhance customer satisfaction. Demonstrated success in problem-solving and negotiation, achieving significant improvements in efficiency and client relations. Dependable and adaptable, Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.

Overview

25
25
years of professional experience

Work History

Self Employed

Verode Trading (Pty)Ltd
05.2018 - Current
  • Self-motivated, with a strong sense of personal responsibility.
  • Excellent communication skills, both verbal and written.
  • Proven ability to learn quickly and adapt to new situations.
  • Skilled at working independently and collaboratively in a team environment.
  • Worked well in a team setting, providing support and guidance.
  • Passionate about learning and committed to continual improvement.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Strengthened communication skills through regular interactions with others.
  • Paid attention to detail while completing assignments.
  • Organized and detail-oriented with a strong work ethic.
  • Resolved problems, improved operations and provided exceptional service.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.

Financial Advisor

Liberty Life
02.2022 - 03.2024
  • Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
  • Developed comprehensive financial plans for clients to achieve short-term and long-term goals.
  • Provided comprehensive retirement planning services, ensuring clients maintain their desired lifestyle postretirement.
  • Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
  • Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
  • Ensured compliance with industry regulations and company policies while serving clients'' best interests.
  • Established new client relationships by conducting thorough needs assessments during initial consultations.

Business Account Analyst

The Standard Bank Of South Africa
01.2014 - 04.2018
  • Worked with my Local Government (The Mpumalanga Provincial Government Account), Nkomazi Municipality, Mbombela Municipality, Ehlanzeni District Municipality, and the Thaba Chweu Municipality.
  • Onboarding new public sector and private clients according to their business needs.

  • Demonstrated expert knowledge in industry trends, providing valuable insights to shape company strategies and maintain a competitive edge in the market.
  • Improved cash flow management with diligent monitoring of outstanding invoices and prompt follow-up on overdue payments.
  • Conducted periodic account reviews, proactively addressing any potential concerns before they escalated into larger issues affecting client relationships or revenue streams.
  • Maintained comprehensive records of all transactions, enabling easy retrieval of information when needed for audits or reviews.
  • Enhanced team collaboration with regular communication, maintaining a positive work environment.
  • Contributed to business growth by analyzing market trends and providing valuable insights to management.
  • Ensured regulatory compliance across all aspects of account management activities, mitigating potential legal risks involved in financial operations.
  • Facilitated successful contract negotiations by thoroughly reviewing terms and conditions to protect company interests while meeting client needs.
  • Developed strong relationships with clients through excellent customer service and ongoing support.
  • Forecasted account needs and metrics based on market and product data.
  • Identified areas for process improvement through consistent evaluation of existing procedures, leading to enhanced operational efficiency.
  • Increased client satisfaction by identifying and resolving account discrepancies in a timely manner.
  • Streamlined data analysis processes for efficient decision-making and improved business strategies.
  • Provided training sessions for junior staff members, fostering a supportive learning environment that encouraged professional growth within the team.
  • Reduced financial risk by conducting thorough credit assessments on new and existing clients.
  • Optimized account reconciliation processes, reducing errors and improving overall efficiency.
  • Collaborated effectively with cross-functional teams to resolve complex issues and ensure client satisfaction.
  • Interacted professionally with clear, intentional communication and set appropriate expectations on timeline of deliverables.
  • Partnered with Account Manager to support preparation of client materials to educate, train and inform on benefits, services and self-administration tools.
  • Participated in regularly scheduled feedback and information exchange sessions with key business partners.
  • Developed and maintained successful business partnerships to address and proactively manage service issues.
  • Supported Account Manager with incoming inquiries from existing clients.
  • Assisted in preparation of presentations, data tables and other documents for investor meetings.
  • Participated in client meetings to discuss financial analysis and investment strategies.
  • Helped clients make optimal decisions on amounts and timing of capitalization.
  • Monitored market trends and news to identify emerging opportunities.
  • Evaluated performance of existing investments and adjusted accordingly.
  • Created financial strategies to optimize portfolio performance and reduce risk.
  • Improved emergency resolution processes to save time.
  • Generated comprehensive reports on portfolio performance and risk assessment.
  • Assisted companies with choosing and timing investments for optimal results.
  • Orchestrated client-centered financial packages, factoring in current market trends, attending to annual reviews and bank fees concessions according to the banks value preposition.

Business Banker

The Standard Bank Of South Africa
02.2008 - 04.2014
  • Managed a diverse portfolio of clients, ensuring their financial needs were met and exceeded.
  • Assisted in the development of marketing materials to attract new clients, effectively expanding the bank''s market share.
  • Facilitated communication between clients and bank personnel, resolving issues quickly while maintaining client trust.
  • Assisted in planning portfolio growth through development of business plans in alignment with departmental budget and consistent with overall objectives.
  • Provided expert guidance on business financing options, helping clients secure necessary capital for growth.
  • Delivered exceptional customer service by responding promptly to inquiries and providing accurate information about products and services offered by the bank.
  • Conducted comprehensive financial analyses to identify opportunities for business expansion and risk mitigation.
  • Implemented innovative sales techniques that resulted in an increase in new business acquisition rates.
  • Maintained comprehensive knowledge of banking products and services, ensuring accurate and informed recommendations for clients.
  • Negotiated favorable loan terms on behalf of clients, contributing to increased client satisfaction rates.
  • Coordinated with various departments to ensure seamless delivery of banking services across all channels.
  • Maintained up-to-date knowledge of competitors' products.
  • Fostered a positive work environment by actively participating in team meetings and sharing ideas for process improvements.
  • Reviewed deposit profitability analysis and outlined strategies to bring unprofitable accounts back to productive status.
  • Increased client satisfaction by providing tailored financial solutions and personalized banking services.
  • Maximized revenue generation through careful assessment of loan applications and diligent follow-up on delinquent accounts.
  • Led training sessions for junior bankers, fostering a culture of continuous learning and professional development.
  • Monitored industry trends to stay informed on market changes and provide up-to-date advice for clients'' financial decisions.
  • Proactively identified potential risks within client portfolios, implementing strategic measures to minimize losses.
  • Streamlined internal processes to improve efficiency, allowing more time for client interactions and relationship building.
  • Met with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.
  • Developed customized lending solutions to meet the unique needs of small businesses and entrepreneurs.
  • Worked with borrowing clients to procure updated financial information on ongoing basis.
  • Collaborated with cross-functional teams to develop new business strategies, increasing overall growth.
  • Enhanced customer retention through building strong relationships and addressing concerns promptly.
  • Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
  • Discussed financial options with clients and provided informed suggestions.
  • Compiled and analyzed data to determine approaches to improve sales and performance.
  • Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
  • Created and implemented strategic trading approaches.
  • Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
  • Networked to identify potential new clients and expand geographic territories.
  • Met with members to understand goals and recommend solutions to fit specific needs.
  • Conducted research to answer questions and handle issues using multiple systems and resources.
  • Educated and worked with clients on ROI terms to find accurate solutions.
  • Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
  • Prepared contracts and related documentation according to strict standards.
  • Worked with clients and finance companies to find optimal solutions for financing.
  • Developed advanced product knowledge to share current information while generating and delivering products quotes.
  • Targeted accounts at senior and executive levels and secured funding for future initiatives.
  • Liaised with customers and funding sources to identify and remove roadblocks to business funding.

Team Leader

The Standard Bank Of South Africa
01.2005 - 02.2008
  • Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.
  • Developed team members'' skills through targeted coaching sessions, resulting in improved individual performance.
  • Enhanced team productivity by implementing efficient work processes and regularly reviewing performance metrics.
  • Mentored junior staff members, helping them develop their leadership potential and advance in their careers.
  • Empowered team members by delegating responsibilities according to individual strengths and areas of expertise.
  • Managed conflict resolution among team members, fostering a positive and collaborative work environment.
  • Evaluated team member performance against established objectives during regular reviews, offering praise for achievements or identifying areas requiring further development.
  • Established open and professional relationships with team members to achieve quick resolutions for various issues.
  • Collaborated with other department leaders to establish shared goals and ensure alignment across teams.
  • Increased customer satisfaction ratings by closely monitoring service quality standards and addressing any issues promptly.
  • Provided ongoing support to direct reports, addressing concerns or questions promptly so they could remain focused on their tasks.
  • Maintained an inclusive and diverse team culture, promoting respect and understanding among all members.
  • Streamlined workflows for increased efficiency, reducing turnaround times for critical tasks.
  • Coordinated resources effectively to meet project deadlines and achieve desired results.
  • Established clear communication channels to facilitate timely exchange of information between team members and stakeholders.
  • Promoted culture of continuous improvement by encouraging feedback from all organizational levels and implementing actionable changes.
  • Assisted in recruitment to build team of top performers.
  • Facilitated decision-making processes within group through open dialogue and consensus-building techniques.
  • Led cross-functional teams to execute projects on time, within budget, and with high-quality outcomes.
  • Facilitated culture of continuous improvement, encouraging feedback and innovative solutions from all team members.
  • Negotiated with suppliers to secure cost-effective resources, positively impacting project budgets.
  • Enhanced communication strategies, ensuring clear and timely information exchange within team and with clients.
  • Led by example, demonstrating commitment and professionalism that inspired team members to excel.

Customer Consultant

The Standard Bank Of South Africa
02.2000 - 03.2004
  • Enhanced customer satisfaction by addressing and resolving inquiries promptly and professionally.
  • Developed innovative solutions to complex problems, resulting in improved efficiency within the department.
  • Utilized CRM systems effectively to manage client information, enabling faster response times and personalized support experiences.
  • Boosted sales by providing tailored product recommendations based on client needs and preferences.
  • Streamlined communication channels between departments, ensuring timely resolution of customer inquiries.
  • Coordinated with internal stakeholders to develop impactful sales campaigns aimed at increasing repeat business from existing clients.
  • Organized regular meetings with team members to review performance metrics and set goals for continuous improvement in service delivery.

Education

Accounting And Finance

GIMT Leadership Programme
Johannesburg, South Africa

Bachelor of Administrative Studies - Law in Banking

University of South Africa
Nelspruit, South Africa
04.2001 -

Moonstone RE1
Nelspruit, South Africa
2016

High School Diploma -

Mbokodo Secondary
Nelspruit, South Africa
04.2001 -

Skills

Teamwork and Collaboration

Computer Skills

Customer Service

Good Negotiator

Problem Solving

Analytical

Communication Skills

Dependable and Responsible

Flexible and Adaptable

Languages

siswati
Advanced (C1)
sepedi
Intermediate (B1)
isindebele
Upper intermediate (B2)
Zulu
Upper intermediate (B2)
Afrikaans
Elementary (A2)

Timeline

Financial Advisor

Liberty Life
02.2022 - 03.2024

Self Employed

Verode Trading (Pty)Ltd
05.2018 - Current

Business Account Analyst

The Standard Bank Of South Africa
01.2014 - 04.2018

Business Banker

The Standard Bank Of South Africa
02.2008 - 04.2014

Team Leader

The Standard Bank Of South Africa
01.2005 - 02.2008

Bachelor of Administrative Studies - Law in Banking

University of South Africa
04.2001 -

High School Diploma -

Mbokodo Secondary
04.2001 -

Customer Consultant

The Standard Bank Of South Africa
02.2000 - 03.2004

Accounting And Finance

GIMT Leadership Programme

Moonstone RE1

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