About
Highly committed and flexible professional with a strong emphasis on risk management, consistently identifying and mitigating risks across organizational levels. Adept at developing comprehensive risk management plans tailored to business requirements, leveraging excellent analytical skills and a deep understanding of risk frameworks. Proven ability to communicate complex risk concepts to stakeholders, fostering proactive decision-making and enhancing organizational performance and resilience.
Work
Willbey Solutions
|Credit Officer
Bulawayo, Bulawayo, Zimbabwe
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Summary
Managed commercial credit facilities for SME entities, conducted comprehensive loan assessments, and oversaw portfolio performance to foster a high-performing and compliant credit environment.
Highlights
Designed and administered commercial credit facilities for SME entities, conducting comprehensive assessments to evaluate creditworthiness and repayment capacity.
Developed and implemented key performance indicators (KPIs) and financial metrics to guide loan repayment planning, ensuring a robust and high-performing credit portfolio.
Managed end-to-end loan transactions, from underwriting and presenting applications to the credit committee, to counseling clients on policy provisions and regulatory compliance.
Monitored and optimized loan portfolio performance through continuous client relationship management and proactive risk assessment, contributing to portfolio health.
Streamlined financial operations by meticulously monitoring cash disbursements, maintaining accurate balance books, and organizing loan forms to ensure regulatory compliance and efficiency.
MoB Capital Private Limited
|Insurance and Loans Intern
Bulawayo, Bulawayo, Zimbabwe
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Summary
Supported insurance operations and loan processing by assessing applications, ensuring compliance, and contributing to business development activities.
Highlights
Issued insurance policies and provided comprehensive customer service, addressing queries and concerns while ensuring strict compliance with legal requirements.
Assessed loan applications for individuals and businesses, evaluating creditworthiness through detailed credit history, income stability, and debt-to-income ratio analysis.
Conducted thorough financial health analyses and risk evaluations for each loan application, structuring tailored agreements to ensure regulatory compliance and minimize risk.
Participated in sales and business development activities, contributing to client acquisition and fostering positive borrower relationships through continuous communication and loan portfolio monitoring.
Education
National University of Science and Technology
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Bachelor of Commerce Honours Degree
Risk Management and Insurance
Grade: 2.1
Courses
Risk Management
Insurance
Languages
English
Shona
Ndebele
Skills
Core Competencies
Risk Management, Credit Analysis, Loan Underwriting, Financial Analysis, Regulatory Compliance, Portfolio Management, KPI Development, Business Development, Customer Service, Problem Solving, Decision Making.
Technical Skills
Microsoft Office Suite, SPSS, Internet & Email, Database Management, Instafin System.
Interpersonal Skills
Effective Communication, Negotiation, Team Collaboration, Self-Starter, Emotional Intelligence, Interpersonal Skills.
References
Tapuwanashe Mhururu
Senior Loans Officer Supervisor Willbey Solutions, Harare, Zimbabwe Email:tapuwanashe.mhururu@willbey.co.zw Cell: +263 773194831
Gloria Munyoro [Manager]
[Operations] MoB Capital Pvt Ltd Zimbabwe, Bulawayo, Email: gloriamunyoro@mob.ac.zw Cell: +263 772 367663 or 0292 880 205-6