Experience

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  Ecobank Transnational Incorporated

  • Head, EWRR

    • Jul 2012 - Present

    • High-profile management position accountable for preparation and meeting annual budgets for collections and recoveries through the assumption of a direct proactive management of individual past due obligations , substandard and non-performing exposures which have, an adverse impact upon the institution’s profit and loss account.• Develop tactics to increase assets and profitability within a territory consisting of nine branches throughout Zambia and in neighbouring affiliates for non- performing loans and past due obligations.• Counsel high net-worth individuals, SME, Local Corporate and corporate clients with regard to investment opportunities, risk analysis, and monetary returns so as to cross-sell banking services and products to clientele.• Where management hand-on is involved, negotiates freely with clients, and other banks in multi-banked situations, at senior levels to promote, evaluate, recommend and implement recovery strategies. •Implementing, Early warning systems and monitoring mechanisms for expired documents, covenant tracking and loan repayments reports and to ensure timely provisioning , write-offs, write-backs and recovery implications.• Devising and implementing innovative marketing principles and promotional sales events such as auctions for repossessed assets to further support financial growth.•Assessment and analysis of Credit Applications for Corporate, Domestic Bank, Credit Program & staff loans.• Participate in community events to position the bank as a leader within the territory.

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  Development Bank of Zambia

  • Portfolio Management Officer

    • Jan 2008 - Mar 2009

     Management position in charge of evaluating, monitoring and recovery of medium – long term development finance extensions of credit.  Reviewing, assessing, approving and monitoring credit risk for development finance loans. Developed tactics to increase assets and profitability within Development Bank of Zambia so as to contribute to the development of Zambia through job creation and diversification of the economy from dependence on mining. Where hand- on management is involved, negotiates freely with clients, and other banks in multi-banked situations, at senior levels to promote, evaluate, recommend and implement recovery strategies.  Participate in community events to position the institution as a leader within the territory.

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  Citibank Zambia Limited

  • Credit Risk Manager

    • May 1993 - Dec 2007

    1.High profile management position accountable for Credit Administration, Credit Analysis, Operational risk management, business continuity, Collateral Management, safekeeping of security documentation and social responsibility awareness initiatives.2.Provided credit evaluation services for all Local Corporate and Corporate Bank Credit Applications submitted for approvals. 3.Established strategies through the Executive Committee and enabling policies in support of business strategy for all lending policies and facilities. Ensure appropriate classification of all facilities, adequate provisioning and prudent write-backs. Function included portfolio monitory, stress testing and reporting.4. Set- up/upgraded the risk infrastructure such as people and systems (Risk Administration System (RAS), Credit Risk Interface (CRI), etc. Provided hands-on training to the risk management team and Account Relationship Managers.5.Participate in community events to position the Bank as a leader within the country.such as through providing scholarships to deserving university students and other social responsibilities. 6. Contribute towards preparation of the annual Bank’s Target Market and Industry analysis Strategy in complied with environmental, regulatory, local, legal requirements and Citigroup core credit policies procedures