Lowrien Nuusiku Hamunjela
Windhoek - Khomas Region
Summary
Dynamic Credit Evaluation Manager with a proven track record at Standard Bank Namibia Ltd, excelling in risk assessment and client management. Adept at developing evaluation frameworks and enhancing team performance, I leverage strong problem-solving skills to drive informed decision-making and optimize financial outcomes.
Overview
14
14
years of professional experience
Work History
Credit Evaluation Manager
Standard Bank Namibia Ltd
Windhoek
06.2023 - Current
- Collaborated with product heads, business development managers, and digital teams on banking product enhancement.
- Ensured integration of credit methodologies, risk guidelines, and regulatory requirements in all products.
- Supported growth of bank’s credit portfolio by identifying sustainable lending opportunities.
- Balanced business growth with credit risk management to achieve long-term financial goals.
- Managed and monitored credit portfolio through effective risk management practices.
- Proactively identified risks, reviewed exposures, and implemented corrective actions to maintain asset quality.
- Evaluated credit applications by analyzing financial statements and assessing risk profiles.
- Ensured compliance with internal policies and regulatory standards in all credit processes.
Financial Analyst
Nedbank Namibia Ltd
Windhoek
02.2016 - 06.2023
- Conducted financial reviews of customer credit by assessing financial statements and initiating evaluations of credit applications.
- Analyzed customer data to evaluate risk levels for extending credit facilities.
- Prepared detailed loan applications for submission to relevant authorities for informed decision-making.
- Managed renewable credit facilities with a proactive diary system to ensure timely reviews.
- Monitored client exposures, providing insights on limit ratings and risk-adjusted returns analysis.
- Oversaw daily management of excess and arrears reports to ensure accurate reporting and rectification.
- Identified problematic exposures, classifying them per regulatory guidance.
- Performed administrative functions, including document filing, record-keeping, and follow-ups on debtor reviews.
Relationship Support Officer
Bank Windhoek Ltd
12.2014 - 01.2016
- Acted as central stakeholder in client management processes.
- Assisted business banker with client-centric activities including capex and sales planning.
- Conducted premises visitations to enhance client relations.
- Prepared credit applications and managed all related correspondence.
Senior Credit Clerk
Bank Windhoek Ltd
05.2012 - 11.2014
- Evaluated and prepared credit applications, ensuring accuracy of financial data and collateral checks.
- Managed filing system to maintain organization and accessibility.
- Completed requests for auditor bank confirmations and codes within designated timelines.
- Executed effective management of facility reductions across multiple accounts.
- Distributed client facility and review letters to maintain communication flow.
- Oversaw daily excess reports, including fee reporting and general administrative tasks.
Education
Honors Degree - Business Administration
STADIO Higher Education
09.2020
B. Tech Degree - Accounting and Finance
Namibia University of Science and Technology
10.2014
National Diploma - Accounting and Finance
Namibia University of Science and Technology
04.2014
Some College (No Degree) - Commercial Banking And Credit Analysis
Corporate Finance Institute
Skills
- Risk assessment and credit evaluation
- Client management
- Problem solving
- Attention to detail
- Multitasking
- Team collaboration
- Professional demeanor
References
- Mr. H. Gariseb, Snr Credit Manager, Nedbank Namibia Ltd, 061 295 2231, HelmutGa@nedbank.com.na
- Mr. S.A. Tibinyane, Business Banker, Bank Windhoek, 061 299 1518, TibinyaneS@bankwindhoek.com.na
- Mrs. A. Feris, Credit Officer, Bank Windhoek, 061 299 0240, FerisA@bankwindhoek.com.na
Accomplishments
Standard Bank Mark of Excellence, Customer/Client Experience
Timeline
Credit Evaluation Manager
Standard Bank Namibia Ltd
06.2023 - Current
Financial Analyst
Nedbank Namibia Ltd
02.2016 - 06.2023
Relationship Support Officer
Bank Windhoek Ltd
12.2014 - 01.2016
Senior Credit Clerk
Bank Windhoek Ltd
05.2012 - 11.2014
Honors Degree - Business Administration
STADIO Higher Education
B. Tech Degree - Accounting and Finance
Namibia University of Science and Technology
National Diploma - Accounting and Finance
Namibia University of Science and Technology
Some College (No Degree) - Commercial Banking And Credit Analysis
Corporate Finance Institute