Credit Analyst Agricultural

RUDO ZENDA

**** ******* ****

Harare, Zimbabwe

+263

+263********* / *********@*****.***

PROFILE

Senior Agricultural finance Professional with extensive experience in matching grants, credit support and leadership, proficient in credit and relationship management and understands unique needs of Agribusiness and Corporate clients

ACCOMPLISHMENTS

Managed a European Union funded matching grant worth Euro 7 million for a dairy value chain

Managed a credit portfolio of USD $12.67 million

FUNCTIONAL AREAS OF EXPERTISE

MANAGING A MATCHING GRANT

Developing criteria, mechanisms and systems for the operations of the Matching Grant Facility (MGF) including procedures for soliciting, assessing and approving of applications

Facilitating the reviewing and approving of grant applications, establishing contracts with beneficiaries and monitoring procurement of assets and compliance to procurement regulations and contractual obligations

Reviewing finance opportunities for farmers and agribusiness actors available on the market, negotiating with Financial Institutions about appropriate financial products

Developing mechanisms and systems for the procurement of heifers and semen and reviewing the criteria for selection of beneficiaries and contractual arrangements with the recipients of the heifers and the semen

CREDIT MANAGEMENT AND ADMINSTRATION

Attracting and maintaining business by marketing the financial services to both existing and potential clients.

Credit proposal writing and and presentation to the Credit Committees, recommending for support – articulating methods of managing risk inherent in the business

Visiting clients to assess operations on the ground and updates the bank on the farm developments and progress.

Generating profit on advances to agricultural clients, closely monitoring and controlling advances to agricultural clients

Managing arrears, excesses and recovery of bad debts for clients

Monitoring and ensuring validity of securities documentation. Reviewing the same documents for completeness and accuracy.

Liaising regularly with staff members of other departments and or division on product development and advises clients of the new financial products.

Preparing ALCO and financial reports and analyzing them

Collecting all revenues

Monitoring facilities under Collateral Management Agents (CMA)

Retaining profitable customers

Page 1, Tel: +263********* Rudo Zenda

Visiting clients, farmer’s organisations, the Ministry of Agriculture, industry marketing Board, exhibitions, amongst others and updates the bank on agricultural sector development and progress.

CUSTOMER RELATIONSHIP MANAGEMENT

Acquiring and maintaining farmers and corporate clients

Contributing to department strategy formulation and budgets, including objectively recommending exit from certain relationships.

Attending to clients’ queries

Offering financial advice to clients

Visiting clients, farmer’s organisations, the Ministry of Agriculture, industry marketing Board, exhibitions, amongst others and updating the employer on agricultural sector development and progress.

EMPLOYMENT

We Effect, Harare, Zimbabwe March/ 2019 - current

Matching Grant Manager

ZB Financial Holdings, Harare, Zimbabwe March/ 2011–February/2019

Relationship Officer/ Credit Analyst

EDUCATION AND ADVANCED TRAINING

UNIVERSITY OF LONDON, London February/2016 –December/2019

Master’s – Agricultural Economics

UNIVERSITY OF ZIMBABWE, Harare September/ 2006 -December/2009

Bachelors- Agricultural Economics

NATIONAL UNIVERSITY OF SCIENCE AND TECHNOLOGY/Bulawayo April/2013 - August/2016

Diploma- Credit Management

Advance Training in:

Asset financing

Customer care and selling skills

Credit and risk assessment

Business writing skills

INTERESTS

Traveling

Charity work

References Are Available Upon Request

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