Mr Chawoneka holds an MSc in Leadership and Change Management with Leeds Metropolitan University, United Kingdom and an MSc in Agricultural Economics from the University of Zimbabwe. Mr Chawoneka has over 16 years’ experience in banking of which 5 years are at Executive level. He has been involved with a number of financial institutions during their formative stages recording exceptional growth. He also holds several qualifications in areas such as Treasury Management, Credit Management, Strategic business and Financial Analysis (Euro Money, USA) Credit Relationship Management, Marketing Management, Leadership Development and Training of Trainers (Mananga, Swaziland). Ephraim is a member of several professional bodies such as Institute of Director of Zimbabwe (IODZ). He sits on the Zimbabwe National Chamber of Commerce Macro- Economic subcommittee.