Francina Caravandos

Work experience

Work experience
Aug 2007 - Aug 2008

Assistant Business Manager

Stanbic Bank
Credit fulfillment and portfolio management. Educate clients regarding the parameters and routine procedures governing complex but standard commercial product, solution and service offerings. Interpret business and financial information e.g. consolidated balance sheets, complex financial statements, and management accounts with company loans and borrowings. Monitoring of daily excesses and authority sought requests to ensure that client facilities are managed within the parameters set by credit. Explain promote and cross – sell additional value adding solutions to existing customers. Compliance with general banking and credit policies and procedures. Identify sales leads for Product houses e.g. Vehicle and Asset Finance Maintaining relationships with portfolio customers
Jul 2007 - Aug 2008

Management Accounts Officer

Finance Bank Zambia
Prepare weekly reports for the central Bank Consolidate monthly financial statements Prepare monthly Prudential’s for the central Bank Fixed asset management General monthly expense analysis
Jul 2006 - Jan 2007

Account Officer

Industrial Credit Company
Initiated monthly financial closings, both domestically and internationally, providing management with timely and accurate reporting. Responsible for business analysis and interpretation of trends, management reporting and financial services. Provided clients with advice on ICC financial services, primarily leasing finance, Insurance premium finance and Invoice discounting. Reviewed credit applications, analyzed financial statements and prepared credit reviews for bankable proposals
2005 - 2006

Office Administrator

Dynamic Growth Training


2009 - 2009

CFA level 1

CFA Institute
2005 - 2009


University of South Africa/Universiteit van Suid-Afrika
Investment Management. Economic Policy Personal Financial Management International Trade International Finance Financial Management. 3 Public Economics Financial Planning and Control International Economics Financial Markets Macro Economics Micro Economics Economic Indicators General Business Management Cost & Management Accounting Financial Management 2 Economics 1A & 1B Elementary Quantitative Methods Commercial Law 1A Business Management 1A & 1B Accounting Concepts Principles and Procedures Accounting Reporting End User Computing Introduction to Business Information Systems Introduction to Economic and Management Environment 1A & 1B