Summie Sakala

Experience

• 

  Unity finance

  Aug 2011 - Oct 2015

  Loan Consultant

  Preparing debits and making follow-ups on unpaid loansScreening and counter-checking all submitted loan applications that have been processed by clientsArrange appointments with clients as well as prepare a complete loan assessment in line with the GS Cash Advance credit policyArrange for the disbursement of salary advances in collaboration and close liaison with the Senior Loan Consultant/Branch ManagerEnsure punctual repayments of salary advances by monitoring using the company’s software and contacting clientsDrive new sales revenue and total revenue through acquisition, deepening & retention of customers.Closely Collaborate with Top, Senior management, Marketing Managers, Consultants and Independent Agents on effective outreach mechanisms and secure cost effective platforms to penetrate the marketsClosely collaborate with the Marketing Department to Drive delivery of Customer Service ExcellenceManage a Customer Feedback mechanism that facilitates continuous flow of feedback for continuous improvement, championing of competitive advantage and speedy resolution of customer complaints and escalating very challenging customer complaints to the respective supervisor (either the Senior Loan Consultant or Branch Manager)Identify opportunities for process and client service improvements anchored on meeting client needs;Cash management: adherence to policy in safe handling and management of cash in the branchExercise sound commercial judgment in resolving issues appropriately within the confines of the credit policy, sales strategy and other company rules/policies;Ensure proper documentation is stored in line with provided company, regulatory and legal guidelinesEnsuring proper documentation is stored in line with the provided company, regulatory and legal guidelines Show less

• 

  Moneta Finance Ltd

  Nov 2015 - now

  Process payments and invoices accurately and timely as per company procedures. Prepare, reconcile and record the payments. Manage petty cash Prepare and submit expense reports to management for approval. Perform account reconciliations and ensure all ledgers are closed as per company policy. Prepare and reconcile petty cash from all the branches. Post entries on pastel. Carry out bank reconciliations Prepare Payroll and attend to any queries Prepare and upload all ZRA and NAPSA Returns. Filling all cheque and Transfer payments Provide assistance to prepare financial statements according to company policies. Provide financial information for business analysis and auditing when needed. Answer supplier queries and issues in timely and accurate manner. Prepare management reports related to accounts payable and receivables. Take minutes for directors and follow up on action plans scheduled for Show less Administer all loan applications and ensure achievement of all customer objectives. Assist all customer bases and maintain professional relationships with all customers. Prepare all loan applications, confirm customer employment and Loan approvals Manage all borrower information and evaluate all findings and provide support to all borrower documents. Provide assistance to all borrowers and process all loan flow and assist loan processor to provide optimal level of customer services and manage all loan status communication. Treasury management, Supervision of all branch staff Credit management and control, Manage treasury and petty cash balances Risk management, Resolve customer ’s queries Branch strategies on sales and marketing General branch management Debt control and collection Speak to customers to negotiate payment plans and payment schedules that suit their current financial situation while still satisfying the debt. Advise customers on their various payment options. If no payment agreement can be reached, inform customers of further actions that may be taken to collect overdue debts. Keep customer files updated, recording times and dates that contact has been made and noting information that customers have received about their debt. Prepare statements to be given to credit departments and banks when customers fail to meet their payment agreements or when no payment agreement can be made. Show less

  • Accountant

    Oct 2018 - now

  • Branch Manager

    Nov 2015 - now
• 

  Mofin

  Apr 2022 - now

  Finance Accountant

  Prepare financial statement summaries and analysis of financial statements as requested by Finance Manager. Preparation of daily, weekly, monthly, quarterly and annual financial reports such as, Cost reports, Branch profitability etc. Assist in the development of the annual budget and perform periodic analysis to ensure the organization is operating within budget guidelines. Monitoring of departmental/branch performance, to ensure that reports are done on time through circulation of the finance planner. Manage vault and branch cash planning/cash movements Conducting risk and compliance assessment Manage accurate and timely reporting of all relevant regulatory returns and payments (Bank of Zambia, Local Council, NHIMA, NAPSA, ZRA, others) Assist Finance Manager provide accurate and timely reporting of financial performance to management and the Board; monthly/quarterly Create/modify procedures such that they are low-risk and efficient Ensure availability of sufficient resources for funding the portfolio Participate in completion of business plans for expansion into new regions Facilitate the External Audit process and completion. Act as the coordinator and main contact person with external auditors Propose modifications to IT programs/procedures that increase efficiency and/or lower risk. Manage procurement process that includes purchase and maintenance of all fixed assets that should be carried out in compliance with policies Ensure maintenance of a comprehensive fixed asset register Approve and submit all insurance against loss or damage Ensure formulation and approval and implementation of all governance framework and structures; policies and procedures Manage performance of all staff in respect of all finance, administration and Human Resource support activities Assess the training requirements for the Finance and all individual employees Review payroll Show less