MAKUMBI TEMBA
Lusaka
Summary
Skilled Mortgage Analyst with background in performing comprehensive loan analysis and underwriting. Familiar with every step of mortgage process from application to closing, possessing strong knowledge of residential real estate market trends. Strengths include analytical skills, attention to detail, and ability to work effectively under pressure.
Overview
14
14
years of professional experience
Work History
Underwriting Mortgage Analyst
FSI Outsourcing Limited
04.2022 - Current
- Making loan eligibility decisions and approving or rejecting applications
- Reviewing and specifying loan conditions as necessary
- Ensuring compliance with regulatory standards
- Ensuring compliance with company policies and guidelines
- Documenting and effectively communicating reasons for the approval/rejection of loans
- Returning applications with additional documentation to the loan officer for review
- Conduct comprehensive credit assessments on individuals and corporate borrowers, evaluating financial statements, credit reports, and other relevant documents
- Review and verify documentation such as income statements, tax returns, bank statements, employment records, and credit reports to ensure accuracy and compliance with lending guidelines
- Assess loan eligibility based on factors such as loan-to-value (LTV) ratios, debt-to-income (DTI) ratios, credit scores, and collateral valuation
- Ensure compliance with federal, state, and organizational regulations, including but not limited to Fair Housing Act, Truth in Lending Act (TILA), and Equal Credit Opportunity Act (ECOA)
- Collaborate with cross-functional teams, including underwriting, finance, and legal, to assess credit applications, negotiate terms, and recommend approval or denial.
Team Member - Credit Risk Management
Access Bank PLC
02.2021 - 04.2021
- Credit Administration
- Booking, compiling and documenting all approved facilities
- Monitoring and controlling of credit portfolio for compliance to respective loan agreement
- Recovery of watchlisted and non-performing loans
- Confirmation and monitoring of conditions precedent to disbursement of facilities
- Resolve respective queries from internal/external customers and maintain cordial relations
- Security/Collateral
- Custodian of vault for safe keeping of all collateral documents
- Management of collateral registration and discharge
- Management of insurance policies for respective collateral held
- Liaise with Legal unit for completion of documentation for credit related legal matters.
Credit Administration Officer
Cavmont Bank Limited
10.2016 - 01.2021
- Credit Administration
- Loading/Disbursement of loans and overdrafts in line with approvals
- Preparation of facility letters for approved Retail and Corporate applications
- Monitor overdrawn Retail accounts
- Monitor Mortgage/Home loans
- Ensure Mortgage/Home loans run as per agreement
- Recovery of loan arrears, overdrafts and accounts in excess
- Perfection of required application documents
- Filing of Retail and Corporate agreements/documents
- Sales Advisor
- Sale of all products to walk-in customers
- Contact existing customers for cross-selling opportunities
- Provide professional customer service and provide product information to customers
- Adequate knowledge of bank products and basic requirements
- Administration
- Accurate compilation and preparation of client-related administration documents and instructions
- Ensure that all documents are received and system entries correctly completed when opening accounts
- Monitoring and management of direct sales agents
- Responsible for managing the achievement of the branch's overall targets as advised and allocated by management.
Forex/Money Market Sales Dealer
Cavmont Bank Limited
08.2015 - 04.2016
- Foreign Exchange Trading and Management
- Responsible for FX rates used in branches and the quotation of rates that fall outside the Branch mandate
- Responsible for surveying the market for trading and Board rates
- Monitoring of the Daily Treasury Position ensuring it is squared up daily
- Responsible for supplying rates to the Branches
- Responsible for updating Corporate clients on movements and activities in the market
- Responsible for providing solutions to Corporate clients in the scope of current market conditions and expectations in an effort to add value to the client's business
- Responsible for position trading of foreign exchange and money market
- Client Liaison and Image Building
- Responsible for proactive marketing of services to Corporate clients and Branches
- Responsible for building and maintaining the customer book
- Responsible for onboarding new FX customers through aggressive sales and marketing
- Responsible for visiting and advising clients on services offered.
Swift/RTGS Officer
Cavmont Bank Limited
04.2014 - 07.2015
- Processing of Incoming/Outgoing Messages
- Responsible for handling all SWIFT/RTGS payments and messages
- Provide Telegraphic Transfer Statements to Retail and Corporate customers
- Filter and input payments and messages in appropriate payment module
- Resolution of queries and filing of transactions and payments
- Customer Focus
- Ensure that Retail, Corporate, Banks, and other departments of the Bank are handled in a professional manner, provided with accurate information about the Bank's SWIFT and RTGS transactions.
Retail Administrative Support
Cavmont Bank Limited
05.2011 - 03.2014
- Routine Administration
- Ensures that all documents are received when closing and transferring cheque/savings/investment and general ledger accounts
- Carry out all instructions from clients accurately and on time and forwarded for authorization
- Update and complete cheque/savings/investment and general ledger opened and closed register and forwarded for checking
- Carry out account transfer instructions correctly and forward for checking
- To ensure that debit and credit entries and internal transfers are effected with the necessary authorization and signatures
- Handle all customer queries received from service areas/direct telephone relating to cheque/savings/investment and general ledger accounts
- Processing of inward/outward cheques, processing salaries, and customer query resolution
- Customer Focus
- Provide professional customer service and give correct information to clients
- Sales Focus
- Identify cross-selling opportunities and refer such opportunities and leads to the correct person or department involved
- Other Duties (Admin Support Officer)
- Auditing daily transactions reports using: - Branch Daily Manual Transactions
- Branch Daily Transactions or The Teller journals printed at the end of each day by the individual users
- Branch Daily Transactions Force Post Deposit Accounts
- Ensure that daily outward clearances are sent on time
- Ensure that Inter-branch entries are prepared, signed, and dispatched timely i.e
- Next working day
- Ensure that YUFIG messages (i.e
- By other Banks) are responded to and actioned immediately
- Ensure YUFIG messages (i.e
- Unpaid by us) are worked on immediately and sent out the same day
- Carry out instructions in connection with returns timely and accurately and forward for checking
- Ensure that department's filing is up to date and properly labeled.
Audit/Accounts Assistant
Mark Daniels Chartered Accountants
Lusaka
03.2010 - 09.2010
- Duties assigned by Audit Partner
- Analysis of Creditors and Debtors
- Analysis of Fixed Asset Register, Stock Count
- Test for compliance of International and Local Accounting Standards.
Education
Bachelor of Arts Degree Business Management (Hons) -
University of Greenwich
01.2012
Advanced Diploma in Business Management (ABE) -
Zambia Insurance and Business College Trust, Lusaka
01.2008
Diploma in Business Administration (ABE) -
Zambia Insurance and Business College Trust, Lusaka
01.2007
Certificate in Business Administration (ABE) -
Zambia Insurance and Business College Trust, Lusaka
01.2005
Grade 12 School Certificate (GCSE) -
Lake Road PTA School, Lusaka
01.2000
Skills
- Document Review
- Loan Processing
- Regulatory Compliance
- Credit Verification
- Effective Communication
- Time Management
- Attention to Detail
- Microsoft Office
- Relationship Building
- Team Collaboration
- Self Motivation
- Analytical Thinking
Careerplans
- Pursue IBM Data Science Professional Certificate
- Pursue Master of Science in Data Analytics
- Pursue Master of Science in International Business
Personal Information
Nationality: Zambian
Languages
English
First Language
Bemba
Proficient (C2)
C2
Nyanja
Beginner (A1)
A1
References
References available upon request.
Timeline
Underwriting Mortgage Analyst
FSI Outsourcing Limited
04.2022 - Current
Team Member - Credit Risk Management
Access Bank PLC
02.2021 - 04.2021
Credit Administration Officer
Cavmont Bank Limited
10.2016 - 01.2021
Forex/Money Market Sales Dealer
Cavmont Bank Limited
08.2015 - 04.2016
Swift/RTGS Officer
Cavmont Bank Limited
04.2014 - 07.2015
Retail Administrative Support
Cavmont Bank Limited
05.2011 - 03.2014
Audit/Accounts Assistant
Mark Daniels Chartered Accountants
03.2010 - 09.2010
Bachelor of Arts Degree Business Management (Hons) -
University of Greenwich
Advanced Diploma in Business Management (ABE) -
Zambia Insurance and Business College Trust, Lusaka
Diploma in Business Administration (ABE) -
Zambia Insurance and Business College Trust, Lusaka
Certificate in Business Administration (ABE) -
Zambia Insurance and Business College Trust, Lusaka
Grade 12 School Certificate (GCSE) -
Lake Road PTA School, Lusaka
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