Experience

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  FNB Zambia

  • Zambia
  • Banking
  • 500 - 600 Employee

  • Credit Analyst - Origination

    • Jan 2022 - Present

    Originating credit applications to facilitate on-lending to Corporates and Mid corporateCommercial Clients with this to include:• Understanding the industry of operation and business model• Analysis of financial statements, forecasts and developing of stress case scenario on financials submitted. • Identification of risks and structuring of facilities to mitigate or manage risks• Presenting and motivating of pre-screens and credit applications to executive members and Group • Support business development and relationship management through client visits • Generating system rating and LGD for corporates on WCRM and loading of credit applications on CASDM 2. Corporate Portfolio Reporting to include:• Monthly reporting of key performance and risk indicators • Quarterly reporting on exposures covering Corporate and money market lending’s and placements with Financial Institutions to Group3. On-going Risk Management Reporting on credit limits and approvals to include:• Monitoring compliance to covenants, expired limits and reporting breaches with recommended actions• Risk categorisation of accounts in line with policy requirements and pre-empting risk for early curing.• Ensure the credit files are in order and adhere to current compliance standards and audit requirements.• Management of fulfilment of approvals to include security perfection and drawdown on facilities.

  • Credit Analyst- Ongoing Credit Risk Monitoring

    • May 2019 - Dec 2021

    • Monitoring of customer accounts in excess and arrears through banking systems and reports and thereafter processing payments received• Handling all admin relating to all correspondence with customers and in house matters e.g. breach letters• Ensure that updated and valid status reports are held on file and reporting dates are diarized accordingly.• Marking of limits on Business accounts and retail payouts once all security documents are in order• Monitoring of covenants and expired limits on Business accounts to ensure compliance and timely renewal of limits• Ensure processes are followed and that records comply with audit requirements at all times• Monthly portfolio reporting through Dashboard report

  • Credit Analyst - Agric

    • Sep 2016 - Apr 2019

    • Assessment of credit application data to estimate degree of risk in extending credit by reviewing financial data and recommending facilities for approval or decline.• Enhance Credit applications using Best practice, banking Policies and practice• Credit Risk Assessments and ensuring accounts are placed in the correct risk category• System placement and enhancement of approved facilities• Monitoring and evaluation or expired /terms loans for periodic review in line with applicable policies.• Daily identification of overdrawn accounts, accounts with loan delinquencies and other risk indicators for reporting and decision making to manage risk

  • Trainee

    • Sep 2014 - Aug 2016

    • Departmental rotations to gain understanding how the different departments function and contribute to the growth of the Bank• Conduct research on trend analysis, bank comparative interest rates and prepare budgets under the supervision of senior employees.• Preparation and presentation reports at the end of each rotation to include recommendations on how to improve Bank operations and process flows.

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  Kabwe Municipal Council

  • Finance Officer (Intern) - Revenue and Collections

    • Jul 2012 - Dec 2012

    Ensuring that all properties on the valuation roll are properly recorded for processing of property rates