CEPHAS MVULA
Lusaka
Summary
Dynamic Senior Loan Officer with extensive experience at FinPark, excelling in financial analysis and customer relationship management. Proven track record in evaluating loan applications and guiding clients through complex processes, resulting in improved loan portfolio performance. Adept at collaborating with cross-functional teams to drive timely and compliant loan transactions.
Overview
6
6
years of professional experience
Work History
Senior Loan Officer
FinPark
Lusaka, Zambia
10.2023 - Current
- Reviewed loan applications and credit histories to determine the degree of risk involved in extending credit.
- Analyzed financial information provided by clients to determine repayment ability and appropriate loan amount.
- Researched potential new markets for loan product sales opportunities.
- Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
- Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
- Prepared detailed reports for management on current loan portfolio performance trends.
- Evaluated all relevant documents associated with each loan application prior to submission for approval.
- Approved or denied loan applications and explained reasoning behind decisions.
Loan Officer
Thukiswa Investment Limited
Lusaka, Zambia
03.2021 - 08.2023
- Provided customer service support throughout the entire process from application through closing.
- Counseled clients on debt management and repayment plans.
- Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
- Negotiated terms and conditions of loan contracts.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Tracked and managed new leads and followed up on referral business.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Customer Service Representative
Madison General Insurance
Lusaka, Zambia
05.2019 - 10.2020
- Answered customer inquiries and provided accurate information regarding products and services.
- Developed strong relationships with customers by providing personalized assistance and support.
- Answered customer inquiries via phone, email, and chat.
- Resolved customer complaints promptly and efficiently.
- Assisted customers with product selection, ordering, billing, returns, exchanges and technical support.
- Maintained detailed records of customer interactions, transactions and comments for future reference.
Education
Bachelor of Education - Psychology
The University of Zambia
Lusaka03-2019
Skills
- Loan portfolio management
- Customer relationship management
- Problem solving
- Effective communication
- Market research
- Compliance adherence
- Team collaboration
- Time management
- Client education
Languages
English, Nyanja, Bemba
First Language
References
References available upon request.
Timeline
Senior Loan Officer
FinPark
10.2023 - Current
Loan Officer
Thukiswa Investment Limited
03.2021 - 08.2023
Customer Service Representative
Madison General Insurance
05.2019 - 10.2020
Bachelor of Education - Psychology
The University of Zambia
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