Credit Risk Management

LINDA MATAVIRE

*************@*****.***,

Bachelor of Business Studies (Hons) Banking and Finance

Bindura University of Science Education, Zimbabwe

MSC (Accounting)- Grand Canyon University – In Progress Core Skills

•

• Credit risk assessments

• Market risk assessments

• Data analysis

• Business process management

• Portfolio management

• Sarbanes Oxley (SOX)

• Risk management

• Internal audit

WORK EXPERIENCE

Employer: JP Morgan Chase & Co

Position: Credit Monitoring Analyst July 2023- to date

• Determine whether corporate borrowers have breached covenants, and as a result, have defaulted on the terms of their credit agreements

• Interpret credit agreements and other legal documents to determine which co- borrowers, guarantors and other parties to the agreements require set up in bank’s system of record for future covenant compliance evaluation

• Perform credit analysis, review documentation and monitor ongoing compliance with financial covenants within an assigned portfolio of borrowers

• Independently calculate cash flow and leverage ratios in accordance with specific terms laid out in credit agreements

• Develop strong knowledge of secured lending products including borrowing base credit facilities

• Determine the grid-based performance pricing that applies to borrower so the bank gets adequately compensated for credit risk

• Adhere to the quality control standards that have been set for the process and to service level agreements WLS has with its internal business partners Employer: GCR Ratings

Position: Credit Risk Analyst Feb 2017- March 2023

• Conduct rating surveillance and new rating assignments

• Conduct quarterly market research and publications and final reports that are published on the GCR website

• Collating market, economic and company information that is used for peer comparison in the industry

• Analysed key quantitative and qualitative factors for insurance, banks and health insurance companies across the economic spectrum (including South Africa, Botswana, Mozambique, Namibia, Kenya, Tanzania and Eswatini) using financial statements, industry reports and other sources of information

• Writing credit rating reports

• Research and model development for risk based capital adequacy, asset liability matching, liquidity, asset management that we use for the credit rating process

• Participated in ratings panel discussions to assign rating

• Conducted meetings with company representatives (on-site and virtually as required) to understand the risk strategy, forecast and financial data

• Analysed financial statements, risk management (including credit, market and operational factors)

• Conducted in-depth qualitative and quantitative credit analysis on insurance and medical schemes, subsequently assign credit ratings based on the entity’s credit risk profile.

• I was part of the committee team that pioneered the establishment of the Health and Safety committee responsible for assessing and mitigating risks that the employees are exposed to

Employer: AfriRisk Management (Contracted to BSI Steel) Feb 2013 to date Jan 2017 Position: Risk Manager

• Managed all staff members - Administrative and operational.

• Duties included recruitment and selection of staff

• Developed and implemented processes to either divert/ eliminate identified risks

• Identified fraudulent transactions involving manual invoices and conducted investigations and provided solutions

• Monitored transactions to identify fraudulent and unauthorised transactions

• Analysis of internal processes to ensure effectiveness and efficiency of internal processes and systems

• Produced suspicious activity reports and risk management reports for managementand internal audit

• Identified system improvements to prevent fraudulent activities

• Determined existing fraud trends by analysing accounts and transaction patterns

• Carried out continuous risk survey assessments

• Process improvement assisting internal audit and compiling Audit report

• Conduct Process and Product Audits

• Maintain and control quality systems

• Supervision of all quality Assurance & Systems activities and enforce quality standards

• Maintenance and continuous improvement of the Quality Management Systems

• Produced risk management and investigation reports for BSI Steel

• Ensuring that +/- R400m worth of client assets’ risk exposure is reduced

• Incessant empowerments of the value- chain

Achievements

• BSI STEEL 2013 - Introduced internal control system that resulted in significant reduction in losses

• GCR 2019 - Appointed Chairperson for Health and safety committee, implemented risk assessments and mitigations

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