Margaret Sepiso Bones
Lusaka
Summary
Results-driven Credit Officer with proven expertise in risk assessment, financial analysis, and regulatory compliance. Demonstrates high productivity and efficient task completion in fast-paced environments. Strong communication and problem-solving skills facilitate effective navigation of complex financial situations. Self-starter capable of managing multiple responsibilities with minimal supervision.
Overview
2
2
years of professional experience
Work History
Credit Officer
ExpressCredit Zambia
Lusaka, Zambia
08.2024 - Current
- Reviewed loan applications and financial statements to assess creditworthiness.
- Monitored customer account activity to detect potential risks or issues.
- Executed direct debits on clients' accounts by due dates.
- Facilitated fund transfers to clients upon loan approval.
Senior Loan Officer
ExpressCredit Zambia
Lusaka, Zambia
01.2024 - 07.2025
- Achieved branch sales targets through effective management of Direct Sales Agents.
- Developed and implemented monthly and weekly sales plans to drive revenue.
- Ensured exceptional customer service, providing comprehensive product and service information.
- Processed all loans in compliance with established policies and procedures.
Loan Officer
ExpressCredit Zambia
Lusaka, Zambia
08.2023 - 12.2024
- Cultivated strong relationships with agents to generate new client acquisitions.
- Resolved customer complaints efficiently, enhancing overall service experience.
- Processed cash loan repayments according to established procedures.
- Delivered comprehensive general customer service to meet client needs.
Intern Loan Officer
ExpressCredit Zambia
Lusaka, Zambia
03.2023 - 07.2023
- Promoted institution's services while guiding clients in selecting optimal loans for financial goals.
- Processed customer refunds efficiently to enhance client satisfaction.
- Actively engaged in generating sales by bringing customers into branches.
Education
Some College (No Degree) - Diplomatic Studies,Protocol And Public Relations
Zambia Institute of Diplomacy
Lusaka, Zambia06-2023
Bsc Politics and International Relations -
University Of Lusaka
01.2022
Skills
- Microsoft Office proficiency
- Effective communication
- Customer service
- Team collaboration
- Problem-solving skills
- Active listening
References
- Edmond Phiri , Senior Credit Officer, Express Credit,
+260764639950,
edmond.phiri@expresscredit.co.zm
- Isaac Banda, Team Lead Back Office, Express Credit
+260762434204
isaac.banda@expresscredit.co.zm
Timeline
Credit Officer
ExpressCredit Zambia
08.2024 - Current
Senior Loan Officer
ExpressCredit Zambia
01.2024 - 07.2025
Loan Officer
ExpressCredit Zambia
08.2023 - 12.2024
Intern Loan Officer
ExpressCredit Zambia
03.2023 - 07.2023
Some College (No Degree) - Diplomatic Studies,Protocol And Public Relations
Zambia Institute of Diplomacy
Bsc Politics and International Relations -
University Of Lusaka
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