PERSONAL DETAILS

House No. *** Eucaplyptus Avenue

Kalulushi Township, Kalulushi Zambia

Mobile: +260-***-******, 260-***-***-***

Email: ady5pu@r.postjobfree.com

BRIEF PROFILE AND CAREER OBJECTIVES

As a debt officer/credit officer with experience for over 17 years of experience and knowledge in the financial sector. I am a good negotiator who is able to work in a very fast-paced environment and adapt to situations. I am able to collect debt in compliance with external and internal regulations in order to meet team and personal goals. My strength lies in the deep understanding of the fundamentals of debt management and management skills. I have established myself with an outstanding progressive professional track record. With a view to further develop my career at a senior management role, I wish to apply my academic/professional qualifications and skills set experience in a challenging new role and organization. KEY SKILLS

+17-year career experience in credit and debt

Strong communication skills that have been developed over customer service for over 17 years

Dedicated to recovering debt that is rightfully owed to the bank

Management experience to train, coach, lead a result driven team to deliver exceptional results

Team player and able to collaborate with others

Knowledgeable about complex commercial real corporate transactions

Strong communicator who is able to describe complex terms in easy-to-understand ways and listen to the client needs better understand the financial assistance we can offer.

Goal and deadline oriented with the emphasis on accuracy, timely and relevance of information needed for decision making

Good understanding on compliance and adherence to financial regulations and legislation as well a working knowledge to understand key financial performance indices for marketing purpose.

Extensive organisation, administration, scheduling and delegation capabilities.

Strong computer skills and conversant with Microsoft Office, Email and Internet usage.

Conversant with standard information processing software. MAGDALENE MANGHOBO CHABUKA

BWEUPE

CAREER SUMMARY

• Regional Sales Manager – Dec 2022 to date

Lutandi Enterprises Limited

• Debt officer – Sept 2017 to Oct 2022

Zambia National Building Society

Credit Officer – Jan 2011 to Aug 2017

Zambia National Building Society

• Bank Clerk– 2005 to Dec 2010

Zambia National Building Society

EMPLOYMENT HISTORY

December 2022 to date – Lutandi Enterprises Limited –Regional Sales Manager Northern Region with the following responsibilities

Generating new client business opportunities as well as identification of new opportunities for growth within existing clients

Achieve set sales targets

Analyzing and preparing due diligence for new opportunities and activities

Negotiate contracts and support the transition from client acquisition to projects delivery phase

Engage with customers to understand their needs in order to create relevant proposals

Support management with planning

Perform market research

Follow up on lost business

Manage and maintain budgets

Managing office filing systems, developing and implementing new administrative systems such as record management

Overseeing recruitment including training and induction of new staff

Recording office expenditure and managing the budget

Staff development and training

January 2017 to Oct 2022 – Zambia National Building Society – Debt officer with the following responsibilities

• Execute adequate and timely collection and instigate recovery activities in order to minimize risk costs and optimize returns

• Investigate payment arrears in the portfolio and code debtor appropriately in order to determine following collection process steps

• Communicate with debtors by telephone and in writing to manage debtors and arrears process

• Identify quality adjustment requests, complete documentation packages and utilise company underwriting guidelines to approve or reject the request

• Record debtor and arrears history in order to ensure a complete file as a sound basis for decision making during collection/recovery

• Negotiating payments while continuing to build a positive relationship with customers

• Manage collection of debt with a high level of persuasiveness and professionalism

• Maintaining positive and trust-based relations with business partners, shareholders and authorities

• Manage positive customer relationship and minimize bad debt exposure

• Responsible for calling customers who are over 30 days past due to set up payment plans

• Assist in developing guidelines for special recovery projects that are initiated from time to time

• Excellent communication, negotiation and presentation skills

• Strong analytical, critical thinking and problem-solving skills Jan 2011 to Aug 2017 – Zambia National Building Society – Credit officer with the following responsibilities:

Set credit standards for lending and inform credit analysts of the proper procedures

Perform regulatory audits to ensure all policies and procedures follow the law.

Analysed credit information to determine whether or not to provide a loan to specific customers.

Perform Customer relationship management (CRM) with a view of attending to customer complaints to increase satisfaction levels and grow company footprint in Zambia

Prepared reports indicating loan recommendations for loan officers

Collaborated with credit checkers from other financial institutions to gather information about potential creditors.

Facilitated biannual seminar on new financial procedures for employees.

Provided educational materials to clients to help them understand the financial choices that best suits their need

Gave detailed loan information to clients such as interest rates, lending terms and loan limits.

Created debt payment plans to help clients reach their financial goals.

Advised clients on mortgage information such as mortgage delinquency, foreclosure prevention, buying a home and renting a home

Facilitated monthly talks and seminars on managing personal finances for our client base.

2005 to Dec +2010 – Zambia National Building Society– Bank Clerk with the following responsibilities

• Interacted with customers on a daily basis, fulfilling requests, answering queries and providing advise accordingly

• Implemented active listening and comprehensive practices at all times

• Created and managed budgets

• Performed all duties handling money carefully and responsibly to prevent errors or misunderstandings

• Maintained top position in customer interaction efficiency for the duration of my position

• Filled out paperwork and other administrative duties on a daily basis

• Prepare regular reports for upper management

EDUCATION QUALIFICATIONS

• Bachelor’s Degree Business Administration – Zambia Catholic University

• Grade 12 Certificate Chipembi Girls Secondary School PROFESSIONAL CERTIFICATION

TOP FLOOR

• Certificate of Participation in Leadership skills Training ZAMBIA RED CROSS SOCIETY

• Certificate in Demonstration at work place first Aid REFERENCES

Branch Manager Society House

Maxwell Sichilongo

Zambia National Building Society

P.O Box 30420

Phone Number: +260********* or +260-***-******

Email: ady5pu@r.postjobfree.com

Managing Director

Febby Mbewe Moomba

Lutandi Enterprises Limited

Phone Number: +260-***-***-***

ady5pu@r.postjobfree.com

Head of Department

Bright Kaira

Catholic University of Zambia

Phone Number:+260-***-***-***

ady5pu@r.postjobfree.com

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