Who is Kizwauna Miller?
I am Kizwauna Miller, aged 27, a Banker by day and financial freedom seeker by night. I am passionate about philanthropy and financial freedom. I believe it is our duty to care for and provide help to the lesser fortunate among us. If income was not limiting, I'd travel across the island, region and world, building and rebuilding communities; helping those in need of help. It is for this reason that I am in pursuit of financial freedom which will also give me time freedom to create a positive impact in an area I am truly passionate about.
I enjoy random drives and socialising with my girlfriends (they are all empowering). I also like to provoke my network with random thoughts on the "work scam" when everyone is feeling work blues. The church family calls me a drummer but I say I have the ability to play a 5 piece drum set. I can also knock a good game of road tennis if I could get back in shape. I am deemed an extrovert but I am occasionally hesitant to make the introduction; however, once we begin to speak the personality comes out.
I love to travel and experience new cultures. Locally, I like to dine at new spots or patronise an "instagram business". Again, if money and time were not currently limiting, I'd be responding to these interview questions from a cafe in Bora Bora or from the Cliff restaurant.
I am self-motivated and my desire to retire at an early age keeps me driven.
My motto is: "What you want exists, DO NOT settle until you get it!"
What does a typical day for you involve?
To keep it short and to the point, on a typical day I reach the office for 8 AM and do the following:
- catch up with emails which were sent after my departure (I never leave an unread email in my inbox)
- respond to customer queries, if any
- take a look at the report which generates accounts which are over their limit and need a decision on whether to pay or return the cheque (the Associate Relationship Manager actions this but I look to see who is on the report)
- If there is a new credit to be written, I work on that
- If there is an annual review to be submitted, I review the proposal done by the Associate Relationship Manager for onward submission to the Group Risk Management
- As I am new, I call or email existing clients to arrange meetings
- As it is sales, I also call or email prospects to arrange meetings
- I always take my lunch hour (eating is essential)
- Attend any internal team/collaboration meetings
- Attend any external meetings which would have been prebooked
Why did you choose this field?
I chose Finance because it is a diverse field and I consider my analytical and mathematical skills to be a right fit for the industry. Additionally, everything revolves around finance and so, the field will always require individuals. I should note that whilst in the field of finance and more specifically in sales, I cannot say that I chose sales but rather, sales chose me. When I thought about entering the finance industry, I envisioned myself being a portfolio manager or investment banker, managing portfolio of stocks, bonds and other equity or fixed income instruments. However, my first role at Republic Bank introduced me to a different side of portfolio management which involved the management of a portfolio of loans.
What advice would you give someone who is interested in pursuing a career similar to yours?
If you desire to pursue a career in Banking/Sales, note these three thoughts:
- Be YOU; authentically you!
- Be proactive and network
- Be prepared to adapt (no environment is ever what you think it will be; you understand it when you are actually in it)
We read your story on LinkedIn and it stood out to us. Can you share your career journey to date with our readers?
Let me start by saying that I have had the opportunity to work at excellent companies under the leadership of outstanding managers and supervisors who have all positively contributed to my development thus far.
My journey started at Sagicor Life Inc where I interned on 5 consecutive occasions within the Corporate Actuarial department. I chose Sagicor at the time and asked for a specific assignment to that area because I wanted exposure to the field as it was one I was considering. The career did not materialise as it was not my passion and I then shifted my focus to banking. Whilst applying to Banks and being unemployed after my final internship, I decided to pursue a Masters in Banking and Finance to gain a little more understanding of the field and to understand how Banks operate. The degree solidified my interest in the field; however, I was not able to secure a job immediately i