Alfred Ricardo Remington Nangolo
Okahandja, Otjozondjupa,OD
Summary
Accomplished Senior Credit Officer with a proven track record at Bank Windhoek, enhancing credit risk management and reducing delinquency rates by implementing effective strategies. Skilled in financial statement review and relationship management, I excel in analytical thinking and fostering client trust. Achieved a significant improvement in portfolio quality through meticulous creditworthiness determination and risk mitigation.
Overview
15
15
years of professional experience
Work History
Senior Credit Officer
Bank Windhoek
08.2024 - Current
- Ensured accurate financial reporting by reviewing loan documentation, evaluating collateral values, and validating borrower information.
- Investigated and resolved customer disputes related to credit decisions.
- Improved credit risk management by implementing effective strategies and policies to minimize financial losses.
- Reduced delinquency rates with proactive account management, timely interventions, and tailored recovery solutions.
- Proactively identified emerging risks, such as changes in economic conditions or regulatory environments that could impact the quality of the lending portfolio.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
Credit Officer
Bank Windhoek
07.2023 - 07.2024
- Assist the Senior Credit Officer to manage a diverse portfolio of loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Drafting facility letter's to be send out to clients.
Finance and Administration Manager
Ndes Conglomerates
03.2019 - 02.2023
- Oversaw accounts payable and receivable, ensuring timely processing and accurate recordkeeping.
- Drove operational efficiency within the administration team through continuous process improvement initiatives.
- Collaborated closely with external auditors during annual reviews, facilitating a smooth audit process each year.
- Played an integral role in long-term strategic planning efforts, using financial modeling techniques to project future performance accurately.
- Managed payroll operations, ensuring accurate calculations and timely disbursements for all employees.
- Reduced operating expenses through effective vendor negotiations and contract management.
- Boosted internal controls by conducting risk assessments and implementing appropriate mitigation strategies.
- Enhanced organizational revenue growth by identifying new business opportunities and providing insightful analysis on potential investments.
- Analyzed budgets, forecasts and current trends to support overall financial operations.
- Managed expense tracking and personnel vouchers.
- Developed strategic plans for day-to-day financial operations.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
Personal Banker
Bank Windhoek
09.2017 - 02.2019
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Cross-sold bank products and services to meet customer needs and provide options.
- Enhanced client retention with proactive follow-ups and timely resolution of account issues.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Streamlined loan application processes, reducing wait times and improving client experience.
- Pioneered adoption of new CRM system, enhancing client data management and service personalization.
Assistant Business Banker
Bank Windhoek
12.2016 - 08.2017
- Assist the Business Banker to effectively manage portfolio of business banking clients by:
- Enhanced client satisfaction by providing tailored financial solutions.
- Developed strong client relationships to facilitate long-term business growth.
- Managed diverse portfolio of business accounts to optimize financial health.
- Increased client retention with proactive account management strategies.
- Collaborated with cross-functional teams for seamless client service delivery.
- Maximized revenue generation through careful assessment of loan applications and diligent follow-up on delinquent accounts.
- Met with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.
- Worked with borrowing clients to procure updated financial information on ongoing basis.
- Assisted in planning portfolio growth through development of business plans in alignment with departmental budget and consistent with overall objectives.
- Discussed financial options with clients and provided informed suggestions.
- Networked to identify potential new clients and expand geographic territories.
Credit Officer
Bank Windhoek
10.2015 - 11.2016
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Draft facility letters to be send to client on a regular basis.
- Support the Senior Credit Officer in the maintenance of the given portfolio of clients.
- Adhered to banking standards and government lending guidelines for loan services.
- Assist in the finalization of loan applications for review.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Prepared reports of findings and recommendations.
Sales Advisor
Bank Windhoek
03.2014 - 09.2015
- Provided expert product knowledge to customers, leading to informed purchasing decisions and increased satisfaction levels.
- Increased sales by establishing rapport with customers and identifying their needs.
- Handled difficult situations professionally by addressing customer complaints and finding mutually beneficial solutions, preserving long-term relationships.
- Collaborated with team members to achieve monthly sales goals and improve overall performance.
- Assisted customers with after-sales support, resolving issues quickly and maintaining high satisfaction levels.
- Conducted regular follow-ups with clients, ensuring continued satisfaction and generating future business opportunities.
- Maintained current knowledge of applicable sales and product changes in order to provide best possible service for all customer needs.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
Bank Administrator
Bank Windhoek
08.2011 - 02.2014
- Optimized workflow, supported daily administrative tasks.
- Coordinated office activities to ensure seamless operations.
- Assisted in budget preparation to enhance financial planning.
- Supervised administrative support staff members, offering guidance, feedback, and mentorship that contributed to their professional growth and development.
- Reduced overhead costs through careful budget management and resource allocation.
- Prepared reports for management review, contributing to informed decision-making.
- Managed office inventory levels, ensuring adequate supplies were available while minimizing waste and unnecessary spending.
Customer Relations Officer
Bank Windhoek
10.2010 - 06.2011
- Managed a high volume of inbound calls, efficiently responding to customer inquiries and resolving issues.
- Assisted customers with opening accounts and signing up for new services.
- Completed opening and closing functions to meet operational needs.
- Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
- Maintained up-to-date knowledge of product and service changes.
Bank Teller
Bank Windhoek
08.2009 - 09.2010
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Counted and packaged currency and coins.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
Education
Diploma - Financial Management
Regent Business School
Durban, South Africa02-2025
Diploma - Credit Course
Bank Windhoek, Learning & Development Centre
Windhoek, Khomas, Namibia10-2015
Bachelor of Science - Marketing
Namibia University of Science And Technology
Windhoek, Khomas, Namibia04-2009
Skills
- Financial ratio analysis
- Application preparation
- Self motivation
- Analytical thinking
- Portfolio management
- Risk mitigation strategies
- Credit risk assessment
- Financial statement review
Cover Page
I am a seasoned banker endowed with a strong value system, character, personality traits, and aptitude, that will be a positive asset to rejoin the ranks of Bank Windhoek. I initially joined Bank Windhoek in August 2009 as an ATP intake and resigned in February 2019.
I see Bank Windhoek as one of the main pillars in contributing to economic growth, and socio-economic development. This can be achieved through a workforce that understands and internalizes the organizational values and strategic objectives.
I am analytic, a critical thinker, a team player, loyal, and committed. I believe in the quality of relations and am a great communicator. A hard-working and fast learner, I am emotionally mature.
I am available to discuss any offer in line with my abilities.
Timeline
Senior Credit Officer
Bank Windhoek
08.2024 - Current
Credit Officer
Bank Windhoek
07.2023 - 07.2024
Finance and Administration Manager
Ndes Conglomerates
03.2019 - 02.2023
Personal Banker
Bank Windhoek
09.2017 - 02.2019
Assistant Business Banker
Bank Windhoek
12.2016 - 08.2017
Credit Officer
Bank Windhoek
10.2015 - 11.2016
Sales Advisor
Bank Windhoek
03.2014 - 09.2015
Bank Administrator
Bank Windhoek
08.2011 - 02.2014
Customer Relations Officer
Bank Windhoek
10.2010 - 06.2011
Bank Teller
Bank Windhoek
08.2009 - 09.2010
Diploma - Financial Management
Regent Business School
Diploma - Credit Course
Bank Windhoek, Learning & Development Centre
Bachelor of Science - Marketing
Namibia University of Science And Technology
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