Laika Chitelela
Lusaka,Zambia
Summary
I’m a detail-focused mortgage professional with strong experience in loan processing, underwriting support, and due diligence. I specialize in reviewing property titles, verifying borrower information, and ensuring all processes comply with institutional policies and regulatory standards. I’m skilled at spotting and addressing risks, resolving discrepancies, and preparing clear reports to help make informed lending decisions. I enjoy collaborating with teams, mentoring junior staff, and maintaining high standards of accuracy, integrity, and customer service in a fast-paced financial environment.
Overview
9
9
years of professional experience
1
1
Certification
Work history
Operations Support Coordinator
Financial Services International Outsourcing
01.2025 - 09.2025
- Conduct internal audits and assessments to verify compliance with loan funding policies, underwriting standards, and regulatory guidelines.
- Monitor loan processing activities to ensure accuracy of data, ethical conduct, and adherence to sound lending practices.
- Investigate allegations of misconduct or irregularities (e.g., document falsification, misrepresentation, fraud) in line with institutional protocols.
- Recommend corrective and preventive actions to address identified gaps in compliance, strengthen risk controls, and uphold due diligence standards.
- Work closely with loan officers, underwriters, and compliance teams to address and resolve quality issues in the funding process.
- Identify and mitigate potential risks related to borrower misrepresentation, documentation gaps, or regulatory non-compliance before loan disbursement.
- Efficiently create and generate the required disclosure documents for borrowers, ensuring accuracy and compliance.
- Send out the completed documents to the borrowers within the agreed time frame.
- Analyse credit related characteristics at a loan level in compliance with all guidelines.
Senior Property Title Researcher
Financial Services International Outsourcing
03.2023 - 12.2024
- Perform in-depth reviews of deeds, liens, mortgages, judgments, tax records, and easements to confirm clear ownership and detect potential risks.
- Trace property ownership through multiple transfers, estate settlements, or corporate holdings to ensure accuracy.
- Detect title defects such as conflicting ownership, missing documents, or unreleased liens, and recommend corrective steps.
- Compile comprehensive summaries for lenders, underwriters, and title insurers to support loan approval and funding.
- Ensure all risks are disclosed so appropriate coverage can be issued to protect lender and borrower.
- Provide guidance, training, and quality checks on the work of less experienced staff.
- Trained junior researchers on best practices in title research and documentation procedures.
Property Title Searcher
Financial Services International Outsourcing
09.2020 - 03.2023
- Research property details, estimated values (Zestimates), and neighborhood information.
- Verify property characteristics (square footage, lot size, year built, etc.) against borrower-submitted documents.
- Verify property characteristics (square footage, lot size, year built, etc.) against borrower-submitted documents.
- Verify case details, outcomes, and their potential impact on borrower eligibility.
- Summarize findings for underwriters and compliance teams to assess creditworthiness and risk.
- Research property details, estimated values (Zestimates), and neighborhood information.
- Verify property characteristics (square footage, lot size, year built, etc.) against borrower-submitted documents.
Support Assistant – Events & Programs
Image Promotions / Partner NGOs
01.2017 - 01.2020
- Provided logistical and administrative support during large-scale NGO and government events.
- Notably contributed to the ILO’s Social Protection Week in (2018-2020), ICPEN Best Practice Workshop of 2018 and 2019, and the First Sanitation Summit with Ministry of Water Development, Sanitation and Environmental Protection (MWDSEP), supporting registration, documentation, and coordination.
- Ensured adherence to safety protocols, professional standards, and smooth stakeholder experience.
- Monitor program implementation to ensure activities are on track and within budget.
- Ensure accurate and timely documentation of program activities and outcomes.
Education
Bachelor of Arts - Developmental Studies
University of Lusaka
/2019 - /2022
Diploma - Computer and Information Sciences
Evelyn Hone Collage of Applied Arts
/2014 - /2016
Trade Certificate in Computer Studies - Computer Studies
Evelyn Hone College of Applied Arts
/2012 - /2013
School Certificate -
St. Joseph’s High School
/2005 - /2009
Skills
- Strong communication skills
- Team player with collaborative mindset
- Problem-solving and critical thinking
- Team building
- Strong attention to detail
- Advanced MS office expertise
ABOUT
- Nationality: Zambian
- NRC Number: 265752/71/1
- Passport Number: ZP014516
- Data of Birth: 1992-08-25
Certification
The BAI Training Institute
- SAFE Act Compliance: A comprehensive look at the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act, featuring engaging learning experiences with audio, video, and scenario-based challenges.
- Predatory Mortgage Lending: This course defines predatory lending and examines common practices, associated risks, and strategies for mitigation.
References
William Makubalo | Chief Operations Officer
Financial Services International Outsourcing
Email: wmakubalo@fsioutsourcing.com
Mobile: +260974752561
Mutinta Ngenda | Team Lead- Title Searching Department
Financial Services International Outsourcing
Email: Mngenda@gmail.com
Mobile: +260979776687
Jack Chikonde | Senior Event Supervisor
Image Promotions-Event Solutions
Mobile: +260 978252471
Hobbies and Interests
Online Research
Reading
Outdoor Activities
Timeline
Operations Support Coordinator
Financial Services International Outsourcing
01.2025 - 09.2025
Senior Property Title Researcher
Financial Services International Outsourcing
03.2023 - 12.2024
Property Title Searcher
Financial Services International Outsourcing
09.2020 - 03.2023
Support Assistant – Events & Programs
Image Promotions / Partner NGOs
01.2017 - 01.2020
Bachelor of Arts - Developmental Studies
University of Lusaka
/2019 - /2022
Diploma - Computer and Information Sciences
Evelyn Hone Collage of Applied Arts
/2014 - /2016
Trade Certificate in Computer Studies - Computer Studies
Evelyn Hone College of Applied Arts
/2012 - /2013
School Certificate -
St. Joseph’s High School
/2005 - /2009
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