Francis Chiyayika
Lundazi,Zambia
Summary
Results-driven Credit Risk Professional Professional with 2+ years of experience optimizing credit processes, and delivering high-quality credit solutions. Proven expertise in credit risk analysis, portfolio management, and operational efficiency. Adept at collaborating with stakeholders to align credit strategies with business objectives. Consistently recognized for improving ICA compliance, reducing overdue reports by 40%, and driving early identification of problem accounts.
Overview
2
2
years of professional experience
1
1
Certification
Work History
Graduate Trainee
Indo Zambia Bank
Lundazi, Zambia
06.2024 - Current
- Conduct comprehensive credit analysis of corporate, retail, and agricultural clients, evaluating their financial strength, industry trends, and market conditions to assess creditworthiness and risk
- Process various transactions, including deposits, withdrawals, and transfers, ensuring accuracy and compliance with bank policies
- Assist customers with account inquiries, providing information on products and services, and resolving issues promptly
- Maintain accurate records of daily transactions and prepare reports for management review
- Perform administrative duties such as filing, data entry, and updating customer information in the bank's database
- Monitor the credit quality of existing corporate clients, analyzing financial performance, covenant compliance, and industry developments to identify potential risks and opportunities
- Prepare monthly performance reports on loans disbursed and loan performance
- Analyze financial data to assist in decision-making processes
Corporate Credit Assistant
Natsave
Lusaka, Zambia
03.2023 - 05.2024
- Analyzed corporate financial statements, including income statements, balance sheets, and cash flow statements, to identify key financial metrics and assess credit risk
- Led a team of Valuations Administrators, implementing process improvements that reduced operational inefficiencies by 50% and achieved 99% compliance with group policies.
- Acted as credit expert for relationship teams, structuring tailored credit solutions (e.g., lending terms, covenants) that accelerated credit approvals by 80%.
- Delivered high-quality ICA submissions, maintaining
- Identified and escalated early warning signals for several high-risk accounts, reducing impaired lending exposure by 40%.
- Sanctioned credit excesses within discretionary limits, balancing risk/reward alignment (ROEC scores improved by 20%).
- Monitored a ZMW100 Million lending portfolio, analyzing management reports and financial data to mitigate risks and recommend corrective actions.
- Reduced operational costs by 40% through “work smarter” initiatives, including automation of CDF loan process.
Education
CA (ZM) - Certificate in Accountancy and Finance
Zambia Institute of Chartered Accountants
01-2025
Bachelor of Arts - Economics With Business Administration
The University of Zambia
Lusaka05-2023
Grade 12 School Certificate -
Lwengu School
Monze01.2017
Skills
- Team Leadership
- Stakeholder Collaboration
- Process Optimization
- Risk Control Frameworks
- Financial management and reporting
- Credit Risk Analysis & Mitigation
Affiliations
- Economics Association Of Zambia
- Zambia Institute of Banking and Financial Services
Websites
Certification
- Mckinsey Forward Program, Mckinsey & Company, 01/01/24
- Banking Credit Analysis Process, Banking Credit Analysis Udemy, 01/01/24
- FMVA - Financial Modelling and Valuation Analyst, Corporate Finance Institute, 01/01/22
Accomplishments
- Successfully recommended credit approvals for several large corporate clients, resulting in increased revenue and market share for the organization. TAT reduced by 50%
- Identified and mitigated potential credit risks in the corporate portfolio, reducing non-performing loans and credit losses which resulted in a 35% reduction in NPAs.
Languages
English
References
- Gift Tongwa, Manager-Credit Administration, Natsave, Lusaka, Zambia, +260 97 7641902
- Aaron Chongwe, Chief Credit Officer, Natsave, Lusaka, Zambia, +260 97 6940136
- Steward Mukosa, Branch Manager, Indo Zambia Bank, Lusaka, Zambia, +260 977993585
Languages
English
First Language
Timeline
Graduate Trainee
Indo Zambia Bank
06.2024 - Current
Corporate Credit Assistant
Natsave
03.2023 - 05.2024
CA (ZM) - Certificate in Accountancy and Finance
Zambia Institute of Chartered Accountants
Bachelor of Arts - Economics With Business Administration
The University of Zambia
Grade 12 School Certificate -
Lwengu School