MICHAEL TWIZA SIMFUKWE
Rolling Meadows,IL
Summary
Finance professional with extensive experience in credit analysis and relationship management. Proven track record in developing investment strategies that enhance customer engagement. Strong analytical and communication skills drive financial planning and operational efficiency. Committed to achieving organizational goals and fostering growth.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Head of Finance and Operations
JUSTINA MUTALE FOUNDATION FOR WOMEN IN LEADERSHIP SOUTHERN AFRICA
01.2022 - Current
- Overseeing financial planning, analysis, reporting, and operational processes to ensure an organization’s financial health and efficiency.
TRADE FINANCE AND CORPORATE SPECIALIST
LOLC FINANCE ZAMBIA
01.2020 - 01.2022
- Directed development and execution of business growth strategies for SMEs and trade finance sectors.
- Reviewed and structured SME and Trade Finance credit proposals for accuracy and policy compliance.
- Reviewed documents for accuracy prior to submission or publication.
- Analyzed company's expenditures and developed financial models.
- Provided technical support for users experiencing difficulties with software applications.
BUSINESS DEVELOPMENT MANAGER (OFFSHORE INVESTMENTS)
DEVERE ZAMBIA
01.2018 - 01.2019
- Managed a portfolio of high-net-worth clients providing personalized financial advice, investment planning and tailored banking solutions.
- Providing expert and independent financial consultancy to support HNWI clients in creating, growing, and safeguarding wealth.
- Provide high quality and dependable financial advice and manage a made-to-measure financial strategy that is fully in line with the client’s situation, needs and plans for the future.
SENIOR RELATIONSHIP AND PORTFOLIO MANAGER
FOCUS FINANCIAL SERVICES (FOCUS IRONCLAD GROUP)
01.2014 - 01.2018
- Provision of excellent Financial products and services that add value to the customer while minimizing costs and risk to the bank.
- New Business Development.
- Credit processing and Appraisals Close Monitoring of Credit Relationships and loan recoveries.
- Achieving set Earnings and Balance Sheet Targets.
- Analyze and interpret financial data and recommend on the credit worthiness of the customer.
RELATIONSHIP MANAGER – CORPORATE/ SEMI-CORPORATE (INDUSTRIAL BANKING GROUP - IBG)
ACCESS BANK ZAMBIA LIMITED HQ
01.2013 - 01.2014
- To lead and supervise a team of Relationship Managers/Officers in IBG (Team Lead).
- Credit processing and Appraisals.
- Close Monitoring of Credit relationships and loan recoveries.
- Achieving set Earnings and Balance Sheet Targets.
- Analyze and interpret financial data and recommend on the credit worthiness of the customer.
- Prepare periodic reports for the team up sales reports, activity reports and revenue forecast.
CREDIT ANALYST
ACCESS BANK ZAMBIA LIMITED HQ
01.2009 - 01.2013
- Conducted thorough analysis of financial statements, Profit and Loss Statements, and Annual Reports.
- Assessed customer records to recommend payment plans based on earnings and payment history.
- Collaborated with credit associations for information exchange regarding credit assessments.
- Generated financial ratios using computer programs to assess customers' financial standing.
- Ensured timely submission of quality recovery reports, achieving 90% closure on first installment defaults.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
Education
Professional Certificate - Business Finance
Computer Systems Institute
Skokie, IL, USA11-2025
Boot Camp Program - Risk Management Decision Making Strategies
University of Chicago
USA01.2023
Master of Science - International Finance and Banking
University of Bedfordshire
United Kingdom01.2009
Bachelor of Science - Economics (Major- Finance)
St Petersburg State University of Engineering and Economics
Russia01.2006
Skills
- MS Office Suite
- Business intelligence tools
- Statistical analysis software
- Analytical thinking
- Salesforce and Oracle
- Credit evaluation
- Financial analysis
Certification
- Lean Six Sigma White Belt Certification Holder – Level 1 Minitab Software, 03/2022
- Certified Financial Planner
- Credit Risk Manager CRM
Accomplishments
Built a portfolio of 40 new high-net-worth clients within one year through a strategic focus on referrals and proactive client acquisition, leading to a 20% increase in assets under management.
Professional Development
- 03/2024, Keynote Speaker - United Nations Session of the Commission of the Status of Women (CSW68) - Financing with a Gender perspective to achieve Gender equality and eradicate poverty
- 03/2023, Keynote Speaker - United Nations Session of the Commission on the Status of Women (CSW67) - Innovation and Technology in the digital age - UN Headquarters
- 07/2022, GROWTH AFRICA Starter Accelerator Program on assisting local and international organizations support the growth of high potential entrepreneurs and ventures.
- 2017, The core essentials of SME finance: Empathy with the World of Small Business/SME segmentation (FSD Zambia-Expanding Financial Inclusion)
- 2015, World Class SME Relationship Management for Financial Services Providers, Kitwe (FSD Zambia-Expanding Financial Inclusion)
- 2014, Anti Money Laundering Policy and Credit Risk Management Policy Training (Access Bank Zambia)
Languages
English
Full Professional
Russian
Professional
Polish
Elementary
Ukrainian
Professional
Spanish
Elementary
Timeline
Head of Finance and Operations
JUSTINA MUTALE FOUNDATION FOR WOMEN IN LEADERSHIP SOUTHERN AFRICA
01.2022 - Current
TRADE FINANCE AND CORPORATE SPECIALIST
LOLC FINANCE ZAMBIA
01.2020 - 01.2022
BUSINESS DEVELOPMENT MANAGER (OFFSHORE INVESTMENTS)
DEVERE ZAMBIA
01.2018 - 01.2019
SENIOR RELATIONSHIP AND PORTFOLIO MANAGER
FOCUS FINANCIAL SERVICES (FOCUS IRONCLAD GROUP)
01.2014 - 01.2018
RELATIONSHIP MANAGER – CORPORATE/ SEMI-CORPORATE (INDUSTRIAL BANKING GROUP - IBG)
ACCESS BANK ZAMBIA LIMITED HQ
01.2013 - 01.2014
CREDIT ANALYST
ACCESS BANK ZAMBIA LIMITED HQ
01.2009 - 01.2013
Professional Certificate - Business Finance
Computer Systems Institute
Boot Camp Program - Risk Management Decision Making Strategies
University of Chicago
Master of Science - International Finance and Banking
University of Bedfordshire
Bachelor of Science - Economics (Major- Finance)
St Petersburg State University of Engineering and Economics
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