Muleya Lubaya

Position

Assistant Manager – Securities Management Credit Administration

Period

April 2022 - to present

Employer

African Banking Corporation Zambia Limited T/A Atlas Mara

· Preparation of offer letters in accordance with approval terms, internal credit policies, and set out SLA deadlines, achieving a remarkable turnaround time of 36 hours, surpassing the target of 48 hours.

· Implemented efficient security documentation system, reducing unperfected collateral over total collaterals to 5% and ensuring compliance with industry regulations; attained 2% accuracy in record management and safeguarded company assets.

· Compliance with facility approval conditions, internal credit policies, governance standards, and regulatory and compliance obligations.

· Effectively managing stakeholder relationships by organizing monthly meetings to ensure business teams stay informed about current credit risk matters and trends, thereby fostering productive working relationships.

· Ensured the preservation and security of all credit-related information by conducting a post-disbursement checklist within 36 hours following loan disbursement, exceeding the target of 48 hours.

· Oversee any irregularities, past due matters, and deficiencies in documentation, using the monthly credit matrix.

· Conduct periodic review of Credit Administration, Documentation, Monitoring and Insurance processes and procedures in order to improve productivity and bring in efficiencies.

· Support transformation of the Credit Administration Department by complying with standardized processes and automation of critical processes and reports.

· Ensure that all limits are made available to customers within agreed standards set in the SLA.

· Ensure that reports to the Portfolio Management unit are properly analyzed and signed of by the Country Risk Manager and submitted promptly (within the set deadline) on a monthly basis

· Achieved a reduction in the unperfected security percentage to less than 2%, surpassing the target of below 5%.

· Successfully reduced the Facility Letter drafting turnaround time to under 36 hours, exceeding the target of 48 hours.

· Process improvement through continuous period reviews of documentation and monitoring.

· Perfection of securities through precise record management of security documentation, resulting in reduced risk exposures and successfully lowering unperfected security to below 5%.

· Preparation of instructions to legal department for creation and perfection of security.

· Proficiently crafting offer letters in alignment with approval terms, internal credit policies, and designated SLA timelines, accomplishing an impressive turnaround time of 36 hours, surpassing the targeted 48-hour timeframe.

· Efficiently managed renewal and monitoring of insurance coverage for security on secured facilities by proactively sending renewal reminders a month before policy expiry to ensure timely renewals.

· Effectively managing stakeholder relationships by ensuring that business teams stay up-to-date with credit risk issues and trends, thereby cultivating productive working relationships.

· Recognizing customer needs and providing tailored solutions to meet those needs.

· Drafting facility letters within the agreed-upon 48-hour turnaround time.

· Ensuring the security is perfected and handling general correspondence.

Accurately marking limits and loan contracts, monitoring credit facilities, and maintaining precise Management Information Systems (MIS) within the agreed-upon 48-hour turnaround time.

• Handling documentation, registering security, and ensuring that security is perfected.
• Tracking daily excesses and expired limits
• Compiling portfolio reports by 10th of every month.