Application Form Ref: CS-AF

Please answer each question clearly and completely. TYPE OR PRINT LEGIBLY. Read carefully and
follow all directions. Use () for any dialog boxes.

1. POST APPLIED FOR: Trade Officer

2. DATE OF ADVERTISEMENT: 16th June, 2023

3. PERSONAL HISTORY

Family Name: Kapin`a

First Names: Luwi Mercy

Maiden Name (if applicable):

Date of birth: 28 October, 1990

Place of birth: Lusaka

Nationality at birth: Zambian

Present Nationality: Zambia

Gender: Female
Permanent address: Plot number 208 Off Munali Road, Lusaka Zambia.

Present address: Plot number 208 Off Munali Road, Lusaka Zambia

Office phone number: +260 965 848 886

Office fax number: -

Residence phone number: +260 965 848 886

E-mail address: luwiyanak@gmail.com

4. Do you have any dependent children?

Yes No

If your answer is ‘‘yes ‘’, give the following information:

(Note: You are allowed to input data up for a maximum of 4 dependent children)

Name of children Date of birth Place of birth Nationality Gender

(day/month/year)

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5. QUALIFICATIONS:

EDUCATION, Give full details- N.B Please give exact titles of degrees in original language. Please do
not translate or equate to other degrees.

A. UNIVERSITY OR EQUIVALENT
Name, Place and Attended from/to Post Degrees, Main course of study
Country Month/ Year Degrees and
academic;
Distinctions
Obtained
University of Lusaka – Jan 2018 to Nov 2020 Bachelor of Business  Risk Management,
Lusaka Zambia Administration  Project Management,
 Strategic Management,
 Marketing,
 Project Management,
 Managerial Economics
 Micro and Macro Economics.
 Business Statistic
 Financial Management
 Corporate Law
 Corporate Governance
 Entrepreneurship
 Information Technology
 Business Statistic
National Institute of Jun 2010-2013 Diploma in Business  Research Methods in Social
Public Administration- Science.
Lusaka Zambia  Business Communication
 Math’s and Statistics
 Human Resource
 Business Law
 Cost Management
 Organization Behaviour
Mukinge Girls Jan 2005-2008 Grade 12 Certificate
Secondary School –  Mathematics
Northwestern Province  English
Zambia.  Geography
 Accounting

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B. SCHOOLS OR OTHER FORMAL TRAINING

Name, Place and Country Attended from/to Certificates Obtained
Month/ Year
AlHuda Centre 2 Days Workshop Islamic Banking and Finance Certificate.
of Islamic Banking and Economics 26th May, 2023 -
– Dubai – Training was conducted
from Lusaka Zambia.

United Bank For Africa – Lusaka 2022 Compliance and Money Laundering
Zambia. Training.

United Bank For Africa – Lusaka June, 2023 Customer Experience Certificate
Zambia.

6. List any significant publications or papers you have written and which might be of relevance to
the post being applied for.

 Anti-Money Laundering Course

 Customer Experience Course

7. EMPLOYMENT RECORD

Please fill in details of your employment record below in chronological order, starting with your
current or latest position first. Use a separate block for each post.

A. Present Post (Last Post, if not presently in employment)

Exact Title Of Name Of Employer From To
Post Month/Year Month/Year

Head Consumer United Bank for Africa April, 2021 To date

Lending -Zambia

Address Of Employer :

UBA Head Office Acacia Park Stand 22768 Corner Great East/Thabo Mbeki Road Lusaka

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Type Of Organisation
Commercial Bank

No. Of Superiors To Whom You Report :

Felix Lesa – Head of Retail Banking UBA and CEO Obeta Chinedu

No. And Categories Of Employees Supervised By You :

Eight (8) staff – I have been supervising Relationship Manager. In our department we work with
different companies, signing off MoU`s for Loans, Forex, trade business and other banking
products.

Description of Duties
My Daily duties involve Risk asset management, Forex and Trade Business, credit analysis, investment
portfolio management, financing, Consumer Lending product creation and analysis, strategic analysis,
sales & marketing, acquisition of new Customer`s, analytical thinking and logical approaches to work,
and team Supervision.
My Current Position requires the following Key Performance Indicators;
• Strategy Formulation and Development.
 Monitor and evaluate Retail Banking Risk Assets Product Performance.
• Product strategy formulation and Performance Management.
• Forex and Trade Business Management
• Monthly, Quarterly and Simi Annually research of customers’ needs and wants.
• Deposit Mobilization and New Customer Acquisition (Liabilities and Risk Assets)
• Growing Existing Customer Portfolio.
• Team Leading of Personal Banking Relationship Managers of the Seven UBA Branches.
• Customer Relationship Management and Maintain Customer retention.
• Complying with Bank governance and BOZ Policies and Procedures.
• Making sure that all Retail Products are Profitable.
 Monthly Performance report preparation and presentation to Management.
• Ensuring that all departmental Products are profitable

Any Job Problems:

Unable to Meet some Customer`s needs and expectations.

How You Are Handling Them:

To resolve this problem, I have been conducting a market research to obtain what Customer`s really
need and to all observe changes in their needs and wants. This gives me an ability to than come up
with products and pricings that are favorable on the market.

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B. Previous Post
Exact Title Of Post Name Of Employer From To
Month/Year Month/Year
United Bank for March, 2019 April 2021
Profit Centre Manager Africa( UBA
Zambia)
Address Of Employer:
UBA Head Office Acacia Park Stand 22768 Corner Great East/Thabo Mbeki Road Lusaka

Type Of Name Of Supervisor:

Organisation :Commercial Bank Branch Manager - Nancy Zimba

No And Kind Of Employees Supervised By You :

4 staff - Commercial Banking Relationship Managers

Salary Obtained: ZMW 8,500.00 Netpay

Reason of Leaving: Promoted to Head Consumer Lending

Description of Duties:

A Team Lead of the United Bank of Africa Zambia; responsible for driving business growth (Asset,
Liabilities and Customer numbers), revenue and Profitability for the Commercial Banking Division.
This entails;
• Liabilities mobilization Leading.
• Forex and Trade Business Commercial Banking
• Team to drive sales in Transactional Banking, Trade, Asset Finance, Invoice Discounting, and
Contract Financing.
• Drive the Bank’s Value Chain Strategy and Increase market share across key sectors in the
Zambian Market.
• Risk asset portfolio management and mobilization of Risk Assets.
• Creation and sales of transactional related solutions to wholesale banking customers, incl.
Government, Corporate, Institutional, Agribusiness, SMEs in the areas of Trade Finance, Electronic
Banking, Product development and Facilitation of International Trade

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C. Previous Post
Exact Title Of Post Name Of Employer From To
Month/Year Month/Year

Finca Zambia 2018 2019

Branch Manager
Address Off Employer: Finca Zambia Acacia Park, Lusaka Zambia

Type Of Organisation Name Of Supervisor

Financial Institution Ruth Simwanza – Head of Retail Banking

No And Kind Of Employees Supervised By You :

15 Loan Officers and 3 Supervisors

Reason Of Leaving :
I left Finca to UBA Zambia for Career Development and Progression.

Description Of Duties :

 Monthly Performance Report

 Loan and Liabilities Portfolio Management.
 Cash Management
 Business Capacity Analysis and Appraisal
 Team Building and Training of Staff.
 Credit Analysis and Approval.
 Delinquency Management
 Loan Performance Management
 Monthly Report Writing and Presentation to Management
 And Leading the Team

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D. Previous Post
Exact Title Of Post Name Of Employer From To
Month/Year Month/Year
Account Relationship Finca Zambia October, 2015 2018
Supervisor

Address Of Employer:

Address Off Employer: Finca Zambia Acacia Park, Lusaka Zambia

Type Of Organisation Name Of Supervisor: Branch Manager -Chilufya

Financial Institution Mutale

No And Kind Of Employees Supervised By You :

Supervised 5 staff for Loan Disbursement and Loan repayment Management

Reason Of Leaving:

Promoted to Branch Manager at the Same Company.

Description of Duties:
 Marketing of Loans
 Loan Portfolio Management
 Business and Analysis and loan recommendation
 Team Performance Management

8. COMPUTER LITERACY

Word Excellent Good Average

Excel Excellent Good Average
E-mail Excellent Good Average
PowerPoint Excellent Good Average

9. LANGUAGE SKILLS

ENGLISH
Spoken Excellent Good Basic
Read Excellent Good Basic
Written Excellent Good Basic
FRENCH
Spoken Excellent Good Basic
Read Excellent Good Basic
Written Excellent Good Basic

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Proficiency in other languages: Yes No

Please specify language(s): German

Please specify level of Proficiency: Basic

10. When you look over your career, of the organisations you have so far worked for, which did you
enjoy the most and why?

My Current Position at UBA – Head of Consumer Lending

This Position has made me to realize that I can actually achieve great if I work extra heard and if I

work well with the team, I get to accomplish more and better. The role has also taught me to

appreciate networking with different Ministries and Companies, which has been helping me to meet

my expected targets.

11. What are your major skills and behavioural characteristics that can be assets to the post you have
applied for?
 Banking and Financing Skills
 Forex and Trade Skills
 Product Development Skills by Conducting Market Research
 Data Collection and Analysis
 Networking Skills
 People and Performance Management
 Leadership Skills………

12. What have you achieved in your career that demonstrates your mastery of these skills?

 Since I was promoted at UBA as Head Consumer Lending I have introduced the following
 Consumer Asset Financing
 Civil Servants Loans
 Signed MoU`s with all Defense Wings in Zambia

13. What are your expectations from the post you have applied for?

My Expectation is that this position will help develop my Career from Banking. I want to get a new
direction of my Career, this will be a great source of motivation to me and will cause me to work extra
hard.

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14. REFEREES

List the name of the three persons, not related to you and are not under current COMESA staff members,
who are familiar with your character and qualifications.

FULL NAME FULL ADDRESS BUSINESS PHONE NUMBER

OCCUPATION
Banji Moono United Bank for Africa Chief Finance Officer + 260 977 717 529
Zambia Ltd
at United Bank for
Acacia Park Stand 22768
Corner, Thabo Africa.
Mbeki Road Lusaka

Kelvin Manda Finca Zambia Ltd Chief Finance Officer +260 761 424 908
Acacia Park Stand Corner,
at Finca Zambia
Thabo
Mbeki Road Lusaka

Bwalya Juanita Zambia Industrial Head SME Banking at +260 967 735 885
Commercial Bank Ltd. Zambia Industrial +260 978 214 180
Head Quarters.. Stand No. Commercial Bank
27395 Alick Nkhata Road, Limited
Mass Media. P.O. Box
30228. Lusaka, Zambia

15. Any other comment you would like to add:

I will be happy to be selected, because this will be a desired move for my Career development plan
and I am willing not only to work in Zambia but even from other Countries too if need be.

16. I, Miss Luwi Mercy Kapina certify that the statements made by me to answer the foregoing
questions are true and complete to the best of my belief. I understand that any misrepresentation
or material omission made on this form may render my application to termination.

Date: 6th July, 2023.

Signature:___________________________________

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