Godwill Amukwaya
Summary
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Knowledgeable financial professional experienced in assessing credit viability for loan borrowers. Good organizational and critical thinking skills. Offering 3 years of related experience.
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
6
6
years of professional experience
Work History
Credit Officer
Old Mutual Finance Lending
11.2021 - Current
- Adhered to banking standards and government lending guidelines for loan services.
- Organized and finalized loan applications for underwriter review.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Used PEP list and Avril Payment solution to perform credit appraisals, document verification and loan approvals.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Monitored accounts for signs of fraud and non-payment issues.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Kept records of customers' charges and payments.
- Prepared reports of findings and recommendations.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Referred delinquent accounts to collections department or outside resources.
Collections Officer
Old Mutual Finance Lending
01.2018 - 10.2021
- Achieved performance goals on consistent basis.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Trained new team members on scripts, company services, and collection strategies.
- Maintained high volume of calls and met demands of busy and productive group.
- Located and monitored overdue accounts by using automated systems.
- Initiated negotiations for debt recovery through email, telephone and mail contact.
- Advised customers of necessary actions and strategies for debt repayment.
- Verified and reviewed customer account information.
- Received inbound calls and answered questions from customers satisfactorily.
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Abided by rules of Fair Debt Collection Practice Act for fully compliant activities above basic industry standards.
- Used skip tracing and other techniques to locate debtors.
- Negotiated to collect balance in full.
- Processed payments and applied to customer balances.
- Responded to customer inquiries and provided detailed account information.
- Worked with customer to create debt repayment plan based on current financial condition.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
Education
High School Diploma -
Southern Business School
Windhoek, Namibia04.2019
No Degree - Advanced Microsoft Skills Training Course
Advanced Microsoft Skills - On The Job
Windhoek, Namibia04.2018
No Degree - Certificate in Debt Collection
Previous Employer Vericred Collections Namibia
Windhoek, Namibia06.2016
Computer Certificate - Computer Studies Certificate
Tucsin
Windhoek, Namibia12.2013
Skills
- Financial Statement Review
- Risk Analysis
- Creditworthiness Determination
- Application Preparation
- Customer Relations
- Documentation Management
- Customer Acquisition
- Delinquency Monitoring
- Quality Controls
- Compliance Assessments
- Compliance Reviews
- Risk Assessment
- Information Analysis
- Risk Mitigation
- Account Management
- Performance Improvements
- Risk Assessments
- Investigations
- Report Writing
- Project Management
- Loan Processing
- Fraud Knowledge
- Credit Reports
- Proficient in English, Oshiwambo & Afrikaans
Languages
English, Oshiwambo, Afrikaans
Native language
Timeline
Credit Officer
Old Mutual Finance Lending
11.2021 - Current
Collections Officer
Old Mutual Finance Lending
01.2018 - 10.2021
High School Diploma -
Southern Business School
No Degree - Advanced Microsoft Skills Training Course
Advanced Microsoft Skills - On The Job
No Degree - Certificate in Debt Collection
Previous Employer Vericred Collections Namibia
Computer Certificate - Computer Studies Certificate
Tucsin
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