Trained Credit Risk Analyst and well versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgement and good verbal and written communication strengths. Dedicated to excellent customer service and excellent reputation for resolving problems and improving customer satisfaction.
Hi, I’m
Florence Chunga
Orange,NSW
Summary
Overview
3
years of professional experience
Work History
Access Bank Zambia Limited
Transactional Officer Level 2
2022.09 - 2024.02 (1 year & 5 months)
Job overview
- Following up on expired insurance and valuation reports from customer relationship managers.
- Monitoring and maintenance of the collateral register.
- Working with the company legal counsel to ensure perfection of securities and to ensure securities are returned from external lawyers.
- Follow up and collection of collateral on take on loans from other lending institutions.
- Prepare and present credit reports.
- Evaluating and completing financial analysis on co- operates and retail loan requests.
- Analyzed customer history and financial report to assess risk and creditworthiness.
- Discharge of collateral on fully liquidated loans.
- Conducted research into references for liable approval outcomes.
- Spooling and interpretation of Credit Reference Bureau reports for customers applying for credit facility to assess their ability to honour financial obligations.
- Monitoring and maintaining the overall credit quality of existing loan facilities.
- Updating customer information and verifying accuracy as required with customer relationship managers.
- Updating of credit files and credit register.
- Making sure that applicants complete and submit all required loan documents.
Direct Credit Zambia Limited
Credit Analyst
2020.11 - 2022.05 (1 year & 6 months)
Job overview
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
Education
Zambia Institute of Banking And Financial Services Zambia
No Degree from Credit Risk Management (Certificate)
03.2024
University Overview
Certified Credit Risk Management
Mukuba University Zambia
Bachelor of Science from Natural Sciences (Biology/Chemistry)
09.2020
University Overview
Skills
- Creditworthiness assessments
- Personal loans expertise
- Loan documentation
- Loan recovery processes
- Credit management processes
Timeline
Transactional Officer Level 2
Access Bank Zambia Limited
2022.09 - 2024.02 (1 year & 5 months)
Credit Analyst
Direct Credit Zambia Limited
2020.11 - 2022.05 (1 year & 6 months)
Zambia Institute of Banking And Financial Services
No Degree from Credit Risk Management (Certificate)
Mukuba University
Bachelor of Science from Natural Sciences (Biology/Chemistry)
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