Joshika Mala

Corporate Business Relationship Officer at HFC Bank - Fiji
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Contact Information
us****@****om
(386) 825-5501
Location
Suva, Central, Fiji, FJ

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Experience

    • Fiji
    • Banking
    • 1 - 100 Employee
    • Corporate Business Relationship Officer
      • Jul 2023 - Present

    • Corporate Business Relationship Officer (Seconded)
      • Apr 2023 - Jul 2023

      Effectively support Corporate Business Relationship Manager in developing client relationships with existing and new customers, understand their business and financial needs in order to appropriately structure lending deals and relevant financial packages offered by HFC Bank to meet the customer’s needs. Ensure superior customer satisfaction for Business Unit is maintained. Support BRM in managing corporate clients for set BFSE03 via visitation, phone call and email, attend to customer queries, diligently action daily portfolio status, arrears and excess reports, TOP 20 reports, vetting BCA’s, FN’s , Reviews, LOO’s and VLOO’s in line with credit policies and RAS prior to credit submission, attend to settlements, attend to operation queries regarding dishonors, redirects etc., liaise with legal on client related issues, effective contribution in workshops for onboarding clients and identifying business and financial needs to appropriately lending deals, ensuring quality of portfolio, assist with paper writings when needed, update of compliance database, customer record management, managing high risk accounts effectively, attend to audit matters and other ad-hoc duties. Show less

    • R&A Analyst
      • Jan 2022 - Mar 2023

      Researching market trends, conducting surveys, analyzing data from competitors, analyzing business operations, expenditure, and customer retention to identify patterns of potential issues or improvements. Using data analysis interpretation to guide credit decision making for onboarding quality customers. Analyzing past operations results and performing variance analysis for existing customers for review purposes.Structuring new to bank deals, writing BCA, FN’s & Reviews, workshop with credit and relationship team for better understanding of deals and clients business, financial analysis, industry analysis, identify risks associated with onboarding customers, FWO & SWO assessments, effective research on client background including credit history, assessment of CCR scoresheet, assist with settlements with ensuring effective loading on system, quality assurance checks for customers prior to settlement, attend to credit queries prior to approval, effective communication with RM’s to ensure all client information is accurately captured, update of compliance database and maintain follow-ups with relationship team, attend to audit queries, ensure correct loading for changes in IR’s, amortization amendments on system, effective filing of soft copy papers with approvals. Show less

    • Information Technology Asst. Administrator
      • Jul 2021 - Dec 2021

      Assist with IT related procurement process (obtaining quotes, issue LPO, receiving items, invoices, payments to vendors, negotiating with vendors) assist with tender process, assistance with CBS project, verify IT expenses against budgets, maintain follow-ups on project progression, work closely with support team and monitor progress of Sysaid logged items, coordinate weekly meetings with support team, coordinate monthly IT team meetings and meetings with leadership team. Attend to timely meeting minutes and submit to leadership team, assist with meeting scheduling of GMIT, receiving phone calls, ensure proper storage of IT equipment’s, other ad-hoc duties assigned by GMIT and CEO. Show less

    • Fiji
    • Sports Teams and Clubs
    • 1 - 100 Employee
    • Finance Officer
      • Apr 2019 - Jul 2021

      Cash flow, reconciliation, bank Quick Pay, accounts payables, accounts receivables, acquittals, contra postings, billing invoices in Xero, AP postings, administration, preparing payments, inventory record update, payroll processing, reports, preparing LPO’s, compilation of statements for payment, bank reconciliations, prepare purchase voucher and cheque for payments, receipting of payments received, answering phone calls, data entry, helping locate for PV’s for acquittals, petty cash posting, update of medical records, ticket sales, assist with operations work when required, filing, deposits, bank runs, FRCS runs, VAT returns and lodgement, maintain fixed asset register, place orders for items and service delivery, maintain receipts, assist team in planning and suggesting improvements for events and future tournaments and coordinate appropriate resources to resolve critical incidents, TT’s and any other tasks assigned by accountant or finance manager. Show less

    • Fiji
    • Utilities
    • 100 - 200 Employee
    • Finance Assistant (Plant Hire)
      • Nov 2017 - Mar 2019

      Plant hiring duties which includes processing of project and operations purchase orders, hiring of general machinery and fleet for WAF nationwide, administration duties, attending to vendor queries, manual purchase orders, reports, data entry, responding to requester and vendor emails, assisting with WAF fleet works, investigating accidents, liaising daily with vendors queries and filing, preparing plant and machinery reports, assigning & instructing drivers to sites, budgets and planning with teams effectively to ensure cost and risk identification, analysis and management. Show less

  • Automated Building Services
    • Suva, Central, Fiji
    • Accounts Assistant
      • Nov 2016 - Aug 2017

      Assisting accountant, payables, receivables, purchase orders, petty cash, reconciliation, filing, stock updates, phone calls and customer queries, administration duties, banking, handling cash, updating ledgers, data entry, timesheets, advising staff about finances, suggesting and implementing cost cutting procedures and all other duties assigned by the accountant. Assisting accountant, payables, receivables, purchase orders, petty cash, reconciliation, filing, stock updates, phone calls and customer queries, administration duties, banking, handling cash, updating ledgers, data entry, timesheets, advising staff about finances, suggesting and implementing cost cutting procedures and all other duties assigned by the accountant.

    • Fiji
    • Appliances, Electrical, and Electronics Manufacturing
    • 1 - 100 Employee
    • Administration
      • Jan 2014 - Dec 2014

      Preparing stock cards, phone calls, sales to customers, customer payment inquiries, invoicing, preparing job order and job cards, creditors and debtor’s control, compiling documents and invoices for payments and receipts, filing, handling customer complaints and other tasks assigned by the director. Preparing stock cards, phone calls, sales to customers, customer payment inquiries, invoicing, preparing job order and job cards, creditors and debtor’s control, compiling documents and invoices for payments and receipts, filing, handling customer complaints and other tasks assigned by the director.

Education

  • Fiji National University
    Bachelor of Commerce - BCom, Accounting and Business/Management

Community

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