Chenai Makamba

• I am a senior member of the VMC team responsible for all types of Variations, Construction and Complex Loan application assessment
• Point of contact in the team for policy and process enquiries
• Provide sign offs for lower DCA holder assessment
• Assessing loan applications submitted for Individuals and Corporations, using standard metrics such as liquidity, leverage, and credit history to evaluate risk associated with issuing loans
• Reviewing financial data from customers to better understand risk levels in terms of lending money
• Analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money
• Been the trainer/facilitator for variation process within Advantedge

Achievements

• Maintained a compliance rating of 100% against a target of 95%
• Current DCA $3 Million
• Designed and implemented the variations process training pack for Loan top Ups, Partial Discharges, Interest Only Variations and Security Swaps
• Have trained more than 20 staff members on variation process and still remain point of contact for complex variation system and process matters.

• Facilitated streamlined financial operations by helping create standardized credit underwriting practices, policies, and procedures
• Prepared credit presentations for loans to commercial organizations in industrial, real estate, and construction industries; loans ranged from $100K to $6M
• Established credit presentation template that improved efficiency, streamlined workflow, and enhanced standardization
• Performed underwriting, financial analysis and the calculation of key financial ratios for small business

Achievements:

• Assisted Risk Department with special projects as needed
• Developed client presentation/credit study packages for loan committee and management review.

• Conducting credit research, in-depth analysis on financial ratios and providing financial analysis
• Credit decisioning within lending delegation and making recommendations for customers that exceed their lending delegation
• Developing and fostering strong working relationships with all key stakeholders
• Evaluating credit risks and making recommendations regarding client’s business proposals
• Analysis and interpretation of financial statements and identifying industry trends

Achievements:

• Processed credit requests up till $2 million and performed accompanied risk analysis
• Reviewed various financial reports and credit modelling reports against the bank’s credit policy regularly
• Gained sound knowledge of structuring loan portfolios and facility documentations
• Retained compliance level at 100%.

• Commenced with GE Capital as a Customer Service Associate in GE’s Motor Collections department before moving to Team Leader (Part Time Team) role in 2012 which involved: Leading and coaching 10-14 staff to achieve business KPIs and department KPIs
• Managing front line staff development plans; and participating in various LEAN business projects (including by way of acting as a system expert)
• Promoted to Credit Analyst tasked with ensuring the business readiness for and managing the roll out of updates so to meet obligations defined by new Australian privacy principles legislation
• This included implementing updates to all processes, agent telephony scripting, ensuring compliance with new legislation by way of collaborating with senior leaders across Product, Marketing, Legal, and Operations business areas; and managing multi-channel Customer Experiences during the project

Achievements:

• Worked with risk project team to facilitate and implement new credit policy and procedures
• Worked in project team that developed risk score parameters that are still in use today at Latitude Financial
• Key player in the successful migration of Genesis, CTA, and dialer data from GE Capital to Latitude Financial