Nyika Zehama
loan officer
Sharjah
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
18
18
years of professional experience
Work History
Retail Banking Specialist
CABS Zimbabwe Retail Banking
- Managed daily operations of the retail banking branch, including customer service, account management, and sales
- Conducted financial needs assessments to recommend appropriate banking products and services
- Facilitated loan application processes and provided support to loan officers
- Achieved recognition for exceptional customer service and sales performance.
- Enhanced branch efficiency by identifying process improvements and implementing best practices in retail banking operations.
- Collaborated closely with other departments such as credit card services or mortgage lending to ensure seamless service delivery for customers.
- Maximized operational efficiency by regularly auditing internal controls and procedures for risk mitigation purposes.
- Spearheaded efforts to improve overall team performance by sharing best practices during weekly meetings.
Team leader
CABS Retail Bank
08.2013 - 12.2021
- Lead a team of loan officers in assessing, approving, and managing personal loan applications
- Develop and implement strategies to increase loan origination and enhance customer satisfaction
- Conduct thorough credit analyses and risk assessments to determine loan eligibility and terms
- Collaborate with clients to identify their financial needs and offer tailored loan solutions
- Ensure compliance with all regulatory requirements and internal policies
- Achieved a 20% increase in loan portfolio growth through effective client relationship management and targeted marketing strategies
- Relationship Management: Building and nurturing long-lasting relationships with customers, enhancing loyalty and trust, and increasing customer retention
- Sales Strategy: Developing targeted strategies to enhance bank product sales, leading to a significant increase in pipeline and overall revenue
- Growth Identification: Proactively identifying market opportunities, generating quality sales leads and improving service offerings
- Credit Issue Investigation: Resolving credit-related issues by providing customized advice on payment and credit options
- Customer Engagement: Conducting regular visits to clients to strengthen relationships and gather feedback to inform service improvements
- Team Leadership: Providing supportive management, promoting a positive workplace culture, and adherence to banking codes of conduct
- Business Development: Focusing on cross-selling bank products and maintaining robust client relationship management practices
- Mortgage Book Oversight: Monitoring compliance in the mortgage book, collaborating with the debt recovery team to resolve discrepancies efficiently
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Proven ability to learn quickly and adapt to new situations.
Branch Controller
CABS Zimbabwe Retail Bank
01.2011 - 01.2013
- Processed and evaluated personal loan applications, providing recommendations for approval or denial
- Performed detailed financial analysis, including credit history review, income verification, and debt-to-income ratio assessment
- Assisted clients in understanding loan terms, conditions, and repayment plans
- Maintained accurate records of loan transactions and customer interactions
- Improved loan processing efficiency by implementing new procedures and leveraging technology.
- Provided treasury and cash management by overseeing reconciliation of banking activity, credit card processing, and sales tax returns.
Bank Loan Officer
CABS Zimbabwe
12.2003 - 08.2011
- Performed detailed credit analysis to minimize risk exposure, adhering to strict underwriting guidelines and regulations.
- Optimized internal workflows through regular process reviews, identifying areas for improvement and implementing solutions.
- Provided exceptional customer service, addressing client concerns promptly and effectively resolving issues.
- Streamlined the loan process for faster turnaround times, implementing a paperless document management system.
Education
Bachelor of Commerce Honours Degree in Accounting -
University of Zimbabwe
Diploma Certificate in Accountancy -
SAA
Customer Experience Courses -
Old Mutual Zimbabwe Ltd
Core Credit Skills Courses -
Old Mutual Zimbabwe Ltd
Human Resources Management Courses -
Old Mutual Zimbabwe Ltd
Management Development Program (MDP), National University of Science and Technology, 2021 Zimbabwe. -
Professional Development Programs
Certificate of Proficiency in Short-Term and Long-Term Insurance -
Insurance Institute of Zimbabwe
Exchange Control Courses -
Regulatory Courses (Reserve Bank of Zimbabwe)
Anti-Money Laundering Courses -
Regulatory Courses (Reserve Bank of Zimbabwe)
Compliance Courses -
Regulatory Courses (Reserve Bank of Zimbabwe)
Skills
- Loan Origination and Management
- Regulatory Compliance
- Problem-Solving and Decision-Making
- Effective Communication
- Customer Service Excellence
- Time Management and Organization
- Technology Proficiency
- Ethical Judgment and Integrity
- Transaction Reconciliation
- Financial Analysis & Reporting
- Account Management
- Customer Relationship Management
- Sales Strategy Development
- Team Leadership and Training
- Cross-selling
Personal Information
- Date of Birth: 07/12/77
- Nationality: Zimbabwean
- Driving License: Zimbabwean
- Visa Status: Visit visa
Timeline
Team leader
CABS Retail Bank
08.2013 - 12.2021
Branch Controller
CABS Zimbabwe Retail Bank
01.2011 - 01.2013
Bank Loan Officer
CABS Zimbabwe
12.2003 - 08.2011
Retail Banking Specialist
CABS Zimbabwe Retail Banking
Bachelor of Commerce Honours Degree in Accounting -
University of Zimbabwe
Diploma Certificate in Accountancy -
SAA
Customer Experience Courses -
Old Mutual Zimbabwe Ltd
Core Credit Skills Courses -
Old Mutual Zimbabwe Ltd
Human Resources Management Courses -
Old Mutual Zimbabwe Ltd
Management Development Program (MDP), National University of Science and Technology, 2021 Zimbabwe. -
Professional Development Programs
Certificate of Proficiency in Short-Term and Long-Term Insurance -
Insurance Institute of Zimbabwe
Exchange Control Courses -
Regulatory Courses (Reserve Bank of Zimbabwe)
Anti-Money Laundering Courses -
Regulatory Courses (Reserve Bank of Zimbabwe)
Compliance Courses -
Regulatory Courses (Reserve Bank of Zimbabwe)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Accomplishments
- Supervised team of 8 staff members.
- As a team successfully uploaded legacy loan files to the new T24 system.
- Achieved 100% compliancy by completing loan forms with accuracy and efficiency.
Languages
English
Upper intermediate (B2)
Similar Profiles
Vinitha Mary JosephVinitha Mary Joseph
Senior Business Analyst/Scrum Master at 2. Royal Bank of Canada - Banking – Retail Banking, Anti-Money LaunderingSenior Business Analyst/Scrum Master at 2. Royal Bank of Canada - Banking – Retail Banking, Anti-Money Laundering
Marelise RajahMarelise Rajah
Organisational Effectiveness Consultant at Nedbank Ltd (Retail & Business Banking Cluster)Organisational Effectiveness Consultant at Nedbank Ltd (Retail & Business Banking Cluster)
Nagendra KNagendra K
DevOps/Cloud Engineer at Lloyds Retail BankingDevOps/Cloud Engineer at Lloyds Retail Banking
MOHAMMAD SHAHIR KMOHAMMAD SHAHIR K
Customer Service Specialist at Wallstreet Exchange CenterCustomer Service Specialist at Wallstreet Exchange Center
Jamila AliJamila Ali
Chief Financial Analyst at Road & Transportation AuthorityChief Financial Analyst at Road & Transportation Authority