Chrispin Mwaba

• Credit Risk Assessment: Develop and implement credit risk assessment strategies and policies to evaluate the creditworthiness of loan applicants. Analyze credit reports, financial statements, and other relevant data to determine borrower eligibility, loan amounts, interest rates, and repayment terms.

• Credit Underwriting: Review and approve loan applications within defined lending parameters and credit policies. Assess the financial viability of borrowers, considering factors such as income, employment stability, credit history, and collateral. Make informed decisions on loan approvals, denials, or modifications.

• Collections Strategy: Develop and implement effective collections strategies to minimize delinquencies and maximize debt recovery. Define collection procedures, guidelines, and escalation processes. Utilize data analytics and reporting tools to monitor delinquent accounts and identify early warning signs of potential defaults.

• Debt Recovery: Oversee the collections team and ensure the timely and efficient collection of overdue payments. Coordinate with internal and external stakeholders, including legal teams and collection agencies, to resolve delinquencies and recover outstanding debts. Implement strategies to negotiate payment plans, settlements, or legal actions when necessary.

• Compliance and Regulatory Adherence: Ensure compliance with relevant laws, regulations, and industry best practices pertaining to credit assessment, debt collections, and consumer protection. Stay updated on changes in regulations and implement necessary adjustments to processes and practices.

• Reporting and Analysis: Develop and maintain accurate reporting systems to track key performance indicators (KPIs), such as delinquency rates, recovery rates, and portfolio quality. Analyze data and trends to identify areas for improvement, make data-driven decisions, and provide regular reports to management.

• Relationship Management: Collaborate with internal teams, including sales, customer service, and operations, to ensure alignment and support in credit and collections activities. Build and maintain relationships with external partners, such as credit bureaus, collection agencies, and legal advisors.

• Team Leadership: Lead and develop a high-performing credit and collections team. Set performance objectives, provide coaching and mentoring, conduct regular performance evaluations, and foster a collaborative and results-driven work culture.

• Enhanced team performance by providing regular coaching, training, and performance feedback to staff members.
• Collaborated with executive leadership to establish long-term objectives, drive growth initiatives, and align regional efforts with corporate goals.
• Increased customer satisfaction with timely resolution of escalated issues and proactive communication on product updates.
• Promoted a culture of continuous improvement through ongoing process reviews, employee engagement initiatives, and open channels of communication.

• Maintain records and prepares required daily and monthly reports.
• Monitoring of daily operations in order to ensure that there is smooth running of the day-to-day business.
• Oversee the processing of centralized loans and other branch activities to ensure due process, accuracy and accountability are followed
• Ensure client data is protected from the public and secured against fraud by enforcing access rights and verification levels
• Create a strong workforce by developing competent individuals in the branch operations team.
• Ensuring that all financial transactions are accurately recorded.
• Approvals of loans and ensures that the credit policy is being adhere to by all loan officers.
• Forecasts and plans according to fiscal needs
• Resolving customer problems as needed
• Conducting regular sales and operations meetings
• Interacting with customers on a regular basis to ensure satisfaction and gain useful feedback.

• Capturing all the project costs and posting them to their specified cost Center's on the accounting system ( Pastel Partner v11).
• Prepare tax invoices and quotations for Customers.
• Prepare a reconciliation statement for all the remittance against the raised tax invoices.
• Manage accounting for fixed assets, receivables, payables, payroll, ledger and inventory.
• Ensure timely and accurate delivery of monthly, quarterly and annual cost accounting reports.
• Generated month-end cost inventory reports and analyzed as requested by management.
• Reviewing and analyzing income and expenditure reports.
• Ensure that unnecessary costs are controlled and avoided.
• Preparing of employees monthly Payroll
• NAPSA &ZRA Tax Returns
• Providing a support service by working with all departments and the management team to help make financial decisions.
• Ensuring spending is kept in line with the budge.
• Offering professional judgment on financial matters and advising on ways of improving business performance.
• Analyzing financial performance and contributing to medium and long- term business planning/forecasts.

• Prepared and submitted expense reports to management for approval.
• Provided financial information for business analysis and auditing when needed.
• Ensured that all the financial transactions are accurately and correctly posted on the system.
• Posted all payments to the cash book and maintain company petty cash.
• Recorded cost information for use in controlling expenditures.
• Ensured that the cost report is sent to the financial manager on a monthly basis.
• Ensured that all accounting records are properly filed.
• Prepared and update payroll register.
• Managed accounts receivables and accounts payables.
• Maintained fixed asset register.
• Performed other duties assigned by the finance manager.

• Approvals of loans and ensures that the credit policy is being adhere to by all loan officers.
• To plan and to monitor the activities of the branch.
• To implement business development strategies for the Branch.
• Provide quality and exceptionally services to customers.
• Select, train, supervise and evaluate the branch staff to enhance individual productivity and enable them to function according to job description.
• Maintain operational standards to provide an excellent working environment for employees.
• Communicate personally with customers to ensure customer satisfaction.
• To resolve customer complaints promptly and efficiently.
• To develop action plans to enhance operational controls and optimize customer service.

• Received cash payments from the customers and process receipts for them.
• Identified the needs of customers and then working hard to meet or even exceed them.
• Maintained all quality and procedural standards within the branch.
• Managed the day to day running of the branch in the absence of the branch manager.
• Setting branch objectives and then working hard to ensure they are met.
• Dealing with escalated customer queries and complaints.
• Reconciled cash/credit receipts with sales figures and prepare daily cash summary report for submission to back office team leader.
• Answered customer queries in order to offer efficient customer service and enhance the company image.
• Created loans for customers.
• Reviewed loan agreements to ensure that they are complete and accurate according to the company policy.
• Explained to the customers the different types of loans and credit options that are available as well as the terms and conditions of the services.
• Ensured the excess float is banked on time.
• Ensured that details on the customer files are up to date.
• Followed up customer overdue loans by calling them and give advice on how they can settle their loans.