Experience

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  Zb bank

  Jul 2006 - Apr 2007

  Back office clerk
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  Afrasia bank zimbabwe limited (zimbabwe)

  May 2007 - Jul 2008

  Item processing clerk
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  Afrasia bank zimbabwe limited

  Aug 2008 - Dec 2011

  Credit administration officer/risk securities administrator

  • Prepare loan agreements/contracts as per approval from Loans and Investment Committee & Credit Approval Committee.• Complete standard security forms in accordance with offered security.• Initiate correspondence with attorneys for registration of bonds.• Verify that all security documentation have been received before any loan disbursements.• Release security documentation upon full payment of facility.• Verifying that all tangible security is insured to prevent any potential loss for the bank in the event of default. Show less

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  Afrasia bank zimbabwe

  Jan 2012 - Feb 2015

  Credit risk and control analyst

  • Analyze proposals, financials and account activity to appropriately advise Loans and Investments Committee.• Preparation of loans report to monitor changes in total exposure through the Loan to Deposit Ratio.• Preparation of Portfolio Report to ascertain the amount of provisions of the loan book and classification.• Implementation of Basel 11 in line with the Reserve Bank guidelines.• Monitoring Non Performing Assets as per approved repayments.• Monitoring account activity and covenants recommended by Loans & Investment Committee and Credit Approval Committee.• Preparation of Control Reports for monitoring of Accounts in excess and those overdrawn without authority.• Making sure loan disbursements are done strictly after perfection of security.• Independent assessment of the loan book advising and reporting any risks which may affect performance. Show less

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  Nedbank zimbabwe limited

  Jan 2016 - Jul 2024

  Credit risk administration manager

  1. Credit Reporting & Monitoring framework which meets the requirements of various external and internal stakeholders.2. Lead initiatives for the development of methodologies for measurement of Credit Portfolio Management across the bank.3. Assist Head of Credit Risk/Chief Risk Officer in carrying out the responsibilities pertaining to Board Risk Committee which includes preparation of pack & responding to data/analytical requests from committee.4. Assist Head of Credit Risk/Chief Risk Officer in enhancement and review of Group Credit Policies & Standards.5. Ensure bank's rights over properties ceded as security are fully secured7. Manage and Control the collateral management process8. Follow up on security for perfection9. Check for regularity of signed and registered bonds & NGCBs10. Identify risks based on undesirable movements in underlying collateral 11. Instruct lawyers to register security on behalf of the bank.12. Check or review records of security documentation periodically13. Follow up and monitor exceptions related to limit, collateral, documentation, approval, transaction, default and excesses14. Ensure safe keeping of security documents 15. Ensure that limit authorization are done according to approval committee recommendations. Show less

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  Stanbic bank zimbabwe

  Apr 2024 - now

  Manager credit risk