TINOVIMBANASHE JESINA CHAPUNGU
**** ********* ****, ******, 078*******
****************@*****.***
Professional Summary
I am a University of the Midlands State graduate with a Bachelor of Agricultural Economics and Development, equipped with a strong academic foundation in financial reporting, data analysis, statistics and research. Through my experience with having to work in a bank on my attachment, I have collaborative, networking and administrative skills. I am actively pursuing graduate trainee opportunities of forward- thinking organizations where I can contribute and grow professionally. Education
BSC Agricultural Economics and Development Honours Degree (May 2021 - November 2024)
KEY COURSES: Agricultural economics, Micro economics in agriculture, Macro economics in agriculture, Statistics, Financial management, Project management, Agribusiness management, NGOs and agricultural development, Econometrics, Agricultural price analysis and forecasting, Entrepreneurship in agriculture.
3 A’level passes in Commercials
8 0’level passes including Maths, English and Science Experience
Intern (February 2023 – February 2024)
Agricultural Finance Company (AFC Holdings) (58-60 Hughes Street, Masvingo, AFC Land and Development Bank)
Loan application review: Evaluate the loan application from farmers, agricultural businesses and other clients.
Credit risk assessment: Analyse creditworthiness, financial statements and collateral to determine loan eligibility.
Financial analysis: Review financial reports, balance sheets and income statements to assess creditworthiness.
Loan structuring: Develop loan structures and terms that meet client’s needs and lending policies.
Credit monitoring: Monitor loan performance, identify potential risks and recommend corrective actions.
Reporting: Prepare credit analysis reports, loan recommendations and other documents for management review.
Market research: Conduct market research to ideal business opportunities, trends and competitor’s activity.
Client engagement: Build relationships with existing and potential clients including farmers, agricultural businesses and stakeholders.
Business growth: identify opportunities to grow AFC’s business including expanding into new markets or developing strategic partnerships.
Sales and marketing: Develop and implement sales and marketing strategies to promote AFC’s products and services.
Data entry: Enter data into AFC’s system, including client information, loan applications and financial transactions.
Document management: Maintain accurate and up-to-date records, including loan files, client documents and other administrative records.
Communication: Provide administrative supports including answering phone calls, responding to emails and preparing correspondence.
Filing and record-keeping: Maintain organized and secure filing systems both physical and digital.
Reception duties: Welcome clients and visitors manage the reception area and provide general administrative support.
General administrative tasks: Perform other administrative tasks such as photocopying, scanning and binding documents.
Skills
Financial analysis: Ability to analyse financial statements, credit reports and other data to assess creditworthiness.
Risk management: Knowledge of credit risk management principles and practices.
Communication: Strong written and verbal communication skills to effectively communicate credit decisions and recommendations.
Analytical thinking: Ability to analyse complex data, identify patterns and informed decisions.
Attention to detail: Meticulous attention to detail to ensure accuracy and completeness of credit analysis reports.
Marketing and sales: Knowledge of marketing and sales principles including market research, product development and sales strategy.
Relationship building: Ability to build and maintain strong relationships with clients, partners and stakeholders.
Strategic thinking: Ability to strategically and identify opportunities for business growth and development.
Problem solving: Strong problem-solving skills to address client concerns and identify solutions.
Time management: Ability to prioritize tasks and manage time effectively.
Teamwork: Ability to work collaboratively with colleagues and stakeholders.
Adaptability: Ability to adapt to changing circumstances and priorities.
Continuous learning: Commitment to ongoing learning and professional development.
Integrity and ethics: Strong moral compass and commitment to upholding values and code of conduct.
Microsoft Office proficiency: Ability to effectively use Microsoft Office applications, including excel, word and outlook to perform tasks and analyse data.
Interests and activities
Participating in professional networks: passionate about connecting with other credit professionals, sharing best practices and learning from industry experts.
Volunteering for financial literacy programs: Passionate about sharing knowledge with communities, promoting financial inclusion and supporting economic development.
Playing sports and team-building activities: Passionate about building camaraderie, developing teamwork skills and maintaining a healthy work-life balance.
Networking and building relationships: Passionate about attending industry events, conference and trade shows to connect with other people.
Reading financial news and publications: Passionate about staying up-to- date on market trends, economic analysis and financial regulations. Languages
Shona
English
References
Mrs. Vongai E. Mugore
Position Held: Provisional Business Development Manager Email: ************@***********.**.**
Cell: 077*******, 071*******
Mr. Nickson Tichivanhu
Position Held: Business Development Officer
Email: ***********@***********.**.**
Cell: 077*******, 078*******
Mr. Petros Mudavanhu
Position Held: Administrative Clerk
Email: **********@***********.**.**
Cell: 077*******