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Jast Trucking South Africa
Finance Officer 01 February 2010 - Date

• Providing the support for due diligence on new prospective business opportunities.
• Assessing financial performance of various prospective clients.
• Processing new credit applications & continuous monitoring of the accounts.
• Assisting CEO to develop & communicate risk management policies, risk appetite and limits.
• Developing strong strategic business decision to avoid potential operational & reputational risk.
• Managing risk monitoring process for operational functions including liability and asset administration.
• Compiling data & prepare reports associated with accounts; monitor company accounts & ensure payments are up to date.
• Achieving efficiencies and driving operational costs down.
• Producing monthly management accounts reports.

Econet Wireless Zimbabwe

Credit Analyst August 2007 - February 2009
• Conducted industry and company specific research in order to assess credit worthiness of aspiring dealers and franchises.
• Analysed corporate financial statements for aspiring dealers and franchises.
• Participated in discussion and presentation of the above to the credit approval management.
• Recommended credit worth dealers to Sales Department and assisted drawing up contracts for them.
• Ongoing monitoring of any potential risks arising on existing accounts.
• Performed regular visits to dealers outlets to ensure compliance with Econet policies.
• Identified financial and business risks to the company and escalated accordingly.

Credit Controller November 2006 - July 2007.
• Maintaining and reconciling the cellular contract lines and recharge cards agencies and debtors' ledger.
• Telephonic follow ups on outstanding payments and establishing appropriate courses of action to ensure speedy settlements.
• Suspending and closing non performing accounts and following up outstanding amounts to ensure maximum collection.
• Allocating payments to rightful accounts and preparing misposts journals.
• Producing daily collections and monthly performance reports.
• Processing new credit applications and monitoring the accounts.
• Preparation of provision for bad debts monthly reports.
• Performed site visits for prospective customers.
• Handing over overdue accounts to legal department.

CFX Merchant Bank

Intermarket Building Society Zimbabwe
Risk Assessment Officer June 2003 - October 2006
• Assessed loans and mortgage applications for individuals and corporates.
• Conducted industry and company specific research in order to assess credit worthiness of aspiring mortgage clients.
• Analysed corporate financial statements (including ratio analysis) for aspiring clients.
• Recommended mortgages and drawing up contracts for borrowers.
• Implemented risk policies by monitoring and flagging of irregular accounts and hand over to legal department.
• Ongoing monitoring of any potential risks arising on existing accounts and ensured covenants were met.
• Monitored client information maintenance in system and loan portfolio quality.
• Maintained effective relationships with portfolio managers and other clients to ensure successful service delivery and support.
• Identified and measured the impact of the society's risk and exposure.

EDUCATION

Postgrad Diploma in Risk Management - University of South Africa 2016
SAP certified (Finance) - SAP Institute 2015
Programme in Financial Management - University of South Africa 2013
Bachelor of Business Administration in Finance - Solusi University Zimbabwe 2003