![Nkululeko Masuku, Assistant Portfolio & Relationship Manager [Assets & Liabilities]](http://secure.b8cdn.com/images/uploads/user_photos/73/24255473_20150219080300.jpg)
Assistant Portfolio & Relationship Manager [Assets & Liabilities]
MBCA Bank Limited [ A member of the Nedbank Group Africa]
Total years of experience :9 years, 7 Months
Key Responsibilities
Ensure first class relationship management and service to customers to achieve total customer satisfaction, being the first point of contact for customers. Being tasked with discharging full responsibility for developing business relationships and nurturing them by assisting clients in achieving their goals.
Marketing of key Business Banking Products and Services, namely Overdraft (OD), Call Loan, Bankers Acceptances (BA), Offshore Lines of Credit, Export Finance Facilities, Guarantees, Bridging Finance, Letters of Credit, Term Loans, Bonds etc. Additionally the provision of offshore finance and structured trade finance solutions in international trade, in addition to financing local working capital requirements and medium to long term finance. Deepen share of the wallet through cross selling of allied Business Banking Products and Services, namely Internet Banking, Investments, Invoice Discounting and Card Solution Products for both personal and business banking clientele.
Client Profitability Maximized \[CPM\]. Underwriting of quality assets to meet given Revenue and Utilisation targets (the underwritten assets & liabilities are skewed to a prescribed asset mix). Mobilization of liabilities, by way of investments and / current account to finance underwritten assets.
Preparation of Credit Proposals for potential and existing clients for consideration to Credit Committee. Apply for credit modifications such as early drawdown requests, amendment / relaxation of initial conditions of approval, extension of tenure, suspension of Interest, consent to substitution of debtor, consent to substitution of security and suspension of instalments. Do portfolio management by monitoring, evaluating and reporting adverse changes in the risk profile of individual exposures and the overall portfolio ensuring prompt corrective action.
Provide information, advise, analysis and technical support for effective monitoring and control of the loan book. Manage credit internal controls and ensure on-going review to improve business processes and enforce compliance and risk control. Attended to and resolve audit queries. Sales - related Administrative Tasks Performed (registration of security).
MBCA Bank Limited \[a member of the Nedbank Group\] 2009 to 2014
Position(s) Held, Corporate Banking (5 years) - Assistant Portfolio Manager
- Senior Analyst
FBC Bank Limited \[Listed on the Zimbabwe Stock Exchange\] 2003 to 2008
Position(s) Held, Corporate Banking (4 years) - Manager’s Assistant
- Customer Service Officer
FBC Bank Limited Listed on the Zimbabwe Stock Exchange 2005 to 2008
Position (s) Held, Corporate Banking (4 years) - Manager's Assistant
- Customer Service Officer
Professional Profile
* Experience in corporate banking in all major industry types Marketing, sales and basic IT skills
* Full exposure to commercial and merchant banking operations
* Skills in financial analysis, accounting in banking, lending policy development and implementation and business process re-engineering.
* Excellent analytical and report writing skills, attentiveness to detail and quality
* Highly self motivated and self starter, and always go the extra mile
* Capacity to work independently, and in teams,
* Good leadership and experienced management skills
* Capable of handling and negotiating difficult situations with tact and diplomacy
Tertiary Education MASTER OF SCIENCE DEGREE IN FINANCE AND INVESTMENT Present Studies National University of Science and Technology, HEQF Level 9 Concentrations in Financial Econometrics, Financial Modeling, Financial Markets and Regulation, Financial Statement Analysis and Planning, Public Finance and Debt Management, Financial Engineering, Advanced Corporate Finance, Risk Management, Fund Management, Investment Analysis and Multi National Finance and Trade. CHARTERED FINANCIAL ANALYST, CFA LEVEL 1 Present Studies The Institute of Chartered Financial Analysts [USA], Level 1 focuses on Financial Statement Analysis, Ethics, Quantitative Analysis, Economics, Equities, Fixed Income, Portfolio Management, Corporate Finance, Derivatives and Alternate Investments. ADVANCED DIPLOMA IN CREDIT 2012 The Chartered Institute of Bankers [Scotland] Concentrations in Business Lending, Loan Structure & Documentation, Business Risk Analysis, Business Lending, Loan Proposal, Loan Management, Opportunity Assessment, Asset Conversion Cycle, Financial Reporting & Full Disclosure, Accounting for Liabilities & Equity, Accounting for the Capital Investment Cycle, Accounting for Operating Cycle and Borrowing Causes. BACHELOR OF COMMERCE HONOURS DEGREE IN BANKING 2004 to 2008 National University of Science and Technology, HEQF Level 8 Concentrations in Bank Lending and Credit Risk Management, International Banking, Advanced International Banking, Derivatives Securities, Marketing of Financial Services, Retailing of Financial Services, Banking and Development , Portfolio Theory and Investment Analysis, Applied Economics and Corporate Finance.