Sethdrig Dennis Amamub
Windhoek
Summary
Diligent Credit Analyst touting 15 years of expertise in gathering and evaluating documentation to conduct risk reviews. A gifted professional mentors associates and provide insight into job tasks. A smart team player knowledgeable in all forms of financial data. I am a hard-working individual who is striving for equality and tranquility amongst all nations. Working with people is my ultimate goal; thus, I aspire to work towards the improvement of all mankind and positive economic growth and development. I do respect all the human races regardless of their culture, race, gender, identity and religion. I intend to use my technical-, managerial-, and interpersonal skills in creating a positive relationship amongst all the Namibians and internationally. I therefore believe that give a half of a chance I will make a positive contribution to my country and its people.
Overview
25
25
years of professional experience
Work History
Credit Analyst
Agricultural Bank of Namibia
04.2008 - Current
- Credit Analysis System & Approaches/ Methods
- Utilises a systematic approach to credit assessment using systems and analyses approaches that have been established over time in retail credit assessments
- Assesses these approaches as to appropriateness for the different types of products, risk probabilities, securities categories, etc
- Determines what improvements can be made both i.t.o., requirements for loans securities to reduce risk as well as at the analysis level, i.e
- What requirements need to be satisfied from a qualifying criteria point of view
- Scans the market as to what practices other institutions apply
- Liaises closely colleagues and discusses opinion, ideas and findings, and
- 2 | Page makes formal improvement recommendations to Credit Manager
- Once accepted, may be tasked to implement this (either with IT or at a process/procedural level or through documentation changes)
- Generally looks for ways to improve the predictive reliability of the assessment/analysis system for retail credit
- Picks up loan applications from the system that have been accepted for further analysis
- Downloads the relevant data of the loan application onto the modelling/analysis system, and assesses the credit risk associated with the loan
- Where there are indications of borderline viability of the loan, obtains more detail from branch level to verify or counter particular areas of risk
- Makes recommendations based on the findings and final evaluation and submits to the relevant credit committee (depending on size and nature of the application, branch level or central)
- In certain cases goes back to branch and request further clarification, e.g
- On aspects of the valuation
- Recommends loan application, providing reasons - which the branch may then take up and address with the customer – such loan application may be re-submitted after addressing the highlighted deficiencies
- Deals with complex loan applications that require staging of disbursement or have multiple facets i.t.o
- How the loan will be utilised and add value
- Assesses all factors thoroughly (e.g
- A customer may want to start with a tourist business on the farm, while at the same time improving production capacity – the decision may be to split the loans and consider them separately, or to group them together and assess impact of one on the other – i.t.o
- Risk)
- Provides a comprehensive assessment and summary of the important factors and makes recommendations as to how the loan should be treated where necessary supplies supporting documentation
- Present the recommendations to the committee or provide clarifying inputs to decision making when required
- Once accepted loads decision onto the system for staging to next step in the process
- Summarises recommendation against standard criteria for credit and risk assessment
- Makes inputs into the credit management and particular risk functions at
- HO from credit analysis perspective
- Provides advice to colleagues and also reports in these matters
- Provides general assessments of the situation/market as experienced through analysis done
- Takes part in forum where this advice/input is required
- Gathers information relevant to ensure evaluation of credit applications
- Builds and tests assessment models to ensure high predictive accuracy
- Credit Analysis, & Risk Scenarios
- Develops or assesses models that use certain information, make assumptions about the interrelationship of various data in modelling risk
- 3 | Page and probabilities – for assessments of risk ranges
- Makes recommendations on models that s/he assessed/evaluated or adapted to the Credit Manager
- Utilises models to assess various risk scenarios under different assumptions, working closely with colleagues on these
- Makes recommendations as to parameters for credit assessment under different economic and/or market conditions
- Keeps refining models used and assesses the predictive an evaluative validity after changes have been made and reports on these
- Research & Studies
- Works in close liaison with marketing research section and shares information with that section
- Researches different aspects of risk assessment from credit assessment staging, to risk and containment thereof, to market trends and impact on credit assessment approaches, how to deal with changing market conditions and their impact on risk of current loan book
- Researches securities categories utilised in the market and how they are effected by economic factor changes
- Plans these studies i.t.o
- Objectives and major expected outcomes, does thorough research via
- Internet, other data sources, formal institutions, universities, etc
- Presents findings to Sales/Services/Credit management and makes definitive recommendations
- Credit Assessment Services
- Picks up loan applications from the system that have been accepted for further analysis
- Downloads the relevant data of the loan application onto the modeling/analysis system, and assesses the credit risk associated with the loan
- Where there are indications of borderline viability of the loan, may obtain more detail from branch level to verify or counter particular areas of risk
- Makes recommendations based on the findings and final evaluation and submits to the relevant credit committee (depending on size and nature of the application, branch level or central)
- In certain cases may go back to branch and request further clarification, e.g
- On aspects of the valuation
- May not recommend the loan application, providing reasons - which the branch may then take up and address with the customer – such loan application may be re-submitted after addressing the highlighted deficiencies
- Credit Advice & Trouble-Shooting Services
- Maintains regular contact with colleagues and users on credit and risk considerations - provides the appropriate advice
- Obtains call from the branch on specific loans that seem problematic and what can be done to counter implied risk
- Assists users in identifying causes of problems (e.g
- Risk problems due to lack of expertise)
- Provides advice against the context of factual and analytical information
- 4 | Page and guides decision-making in this manner
- Provides information and or analyses from the credit and analyses data base to guide users in decision making
- Takes part in specialised meetings in which credit assessment and risk are considered, with an emphasis on retail segments
- Addresses procedural and control problems as highlighted by internal audit
- Generally assists in problem solving where analysis of economic factors may assist in the quality of decisions/conclusions made in this areas
- Reports, Information & Advice
- Makes inputs into the credit management and particular risk functions at
- HO from credit analysis perspective
- Provides advice to colleagues and also reports in these matters
- Provides general assessments of the situation/market as experienced through analysis done Takes part in forum where this advice/input is required
- Credit Administration Services
- Assists in the various administrative tasks required for the smooth functioning of the credit assessment function
- Draws up reports on activities and achievements against targets on a regular basis
- Maintains the data integrity on systems used, does back-ups and ensures up datedness
- Draws up lists tasks list or analyses done with outcomes, summaries of information, spreadsheets, etc
- As required by users
- Liaises with other functions (in particular sales & services/ branches) to establish where own administrative processes need to fit in with theirs; e.g
- I.t.o
- Reporting, data updates, etc
- Assists colleagues within the division where there are pressure points or bottlenecks
- Conducted presentations to upper management and executive teams for loan recommendations
- Improved understanding of financial statements, which helped in assessing risk.
Acting GM
Namibia Airports Company
05.2004 - 01.2019
- Liaise with NAC clients on corporate levels Provide support services to the
- Office of the CEO Run the department on sound business principals
- Paid attention to detail while completing assignments
- Excellent communication skills, both verbal and written
- Developed strong organizational and communication skills through coursework and volunteer activities
- Developed strong communication and organizational skills through working on group projects.
Senior Business Researcher & Statistician
Namibia Airports Company Windhoek
02.2004 - 03.2008
- Monitors the Macro Economic environment
- Researches and benchmarks (i.e., assessing the environment in relation to relevant company indicators) the macroeconomic environment (i.e., market trends, industry and shareholder information) in areas relevant to the company in accordance with agreed project specifications;
- Checks GDP- and market trends and recommends what formulae are most relevant and suited for reliable/accurate forecasting
- Develops models for analyzing competitors in terms of key measures and indicators of product, services and performance and ensures that such models are maintained and updated regularly
- Routinely collects NAC-commercial performance data and prepares draft analyses of trends and/or forecasts
- Drafts management briefs, including specific recommendations, on the macro economic environment and economic future prospects based on the assessments done
- Liaises with economist networks to obtain current analyses and views on the country's economy and business considerations to be made
- Includes evaluation and analyses of data from other markets for local benchmarking, e.g
- SADC, SACU and Africa
- Research
- Applies principles and key research methodologies to be used during the data collection as agreed with senior/ Chief
- Implements the research year plan with due attention to maintaining a sound overview of projects, well-scheduled data collection routines and punctually executing assignments
- Monitors data collection processes carried out by external parties from time to time;
- Reviews and updates data in accordance with cycles agreed with senior in order to cope with new trends and developments;
- Implements survey formulas and evaluation methodologies to ensure that accurate and required outputs are generated;
- Conducts revenue and expenditure analyses of defined projects or business development needs from time to time;
- Identifies and recommends specific approach and methodology to supervisor on selected research areas;
- Guides relevant project team members with regard to information required for approved research areas and ensures that the received information complies with set standards;
- Liases and networks with relevant research agencies and obtains required information from studies/surveys done previously;
- Coordinates Market Research Projects
- Identifies and initiates approved market research projects
- Drafts project specifications/ terms of reference (for outsourced projects) for approval by senior
- Coordinates the various inputs and ensures that the targets are met and
- 6 | Page complies with the projects specifications and requirements
- Monitors and assess project progress and reports to supervisor the project quality and compliance with project specifications
- Makes recommendations with regard to corrective measures to be taken if deviations from the project terms of reference are identified
- Participates in outsourced research projects as and when required (in accordance with ToR or specifications)
- Research Data Base Management
- Maintains a spreadsheet-based information database that is aligned with previous research findings and statistics
- Promotes and encourages the usage, by employees, of the research findings posted to corporate website (or other)
- Updates and reviews database in agreed cycles to assure availability of research findings to relevant employees at all times
- Keeps record of research approaches updated and accessible to authorised staff for ongoing reference purposes
- Captures all lease agreements on the system and ensures that the information is up to date
- Compiles reports with regard to the lease agreement status and submit to supervisor
- Statistics
- Collect statistical data from airlines, ground handling agents
- Follows standard research methodology, i.e., scrutinises data collected (either by others or self) for accuracy, applies analysis tools, interprets findings and makes relevant recommendations on outcomes in written report
- Utilized statistical data from surveys and social media responses to increase customer satisfaction [Number]%
- Developed metrics to determine inefficiencies and areas of improvement throughout company
- Analyzed metrics to identify effect-cause relationships between financial outcomes and marketed actions, raising profitability [Number]%
- Forecasted and tracked marketing and sales trends by analyzing collected data
- Attended staff conferences to provide management with information and proposals concerning promotion, distribution, design and pricing of company products or services
- Devised and evaluated methods and procedures for collecting data such as opinion polls and surveys to obtain data
- Recommended [Type] operational improvements based on tracking and analysis of [Type] data
- Reviewed internal systems and organized training plans to address areas in need of improvement
- Produced detailed and relevant reports for use in making business decisions
- Restructured procedures through coordination with compliance director to create and execute projects
- Used [Software] to convert complex data and findings into
- 7 | Page understandable tables, graphs and written reports
- Collected and analyzed data on customer needs, preferences and demographics to identify potential markets and factors influencing product demand
- Measured effectiveness of marketing, advertising and communications programs and strategies
- Distribute data (Passenger, Aircraft Cargo) statistics to industry upon request
- Administration
- Trains airports commercial officers on the Marketing Data Base (MIS)
- Provides inputs with regard to departmental budget
- Provides input with regard to the development of departmental policies and procedures
- Files all relevant documentation for reference purposes
- Attends meetings and events if and when necessary
SENIOR STATISTICIAN
Namibia Statistics Agency
04.2003 - 01.2004
- Collection of national statistics from various stakeholders
- E.g Ministry of fisheries, Monthly quotas and Ministry of Mines, Total volumes of minerals exported
- Administer and supervise junior staff on filed work
- Compile annual and quarterly publications of the National Accounts
- Manage the System of National Accounts and act on any possible errors noted on the statistical software.
BANK CLERK
Standard Bank of Namibia
02.2003 - 03.2003
- Collecting and shorting bank deposit slips
- Attending to customer enquiries
- Attending to counter withdrawals and deposit transaction
- Ordering and distribution of customer and business cheque books
- Reason for resignation: I resigned because National Planning Commission offered me market related remuneration.
STUDENT INTERN
05.2002 - 11.2002
- Development Fund
- Social Security Commission, Colleting of data on the number of priority fields to be studied at Namibian Tertiary institutions
- Colleting of information on the number of students at various institutions in priority fields
- Capturing of data on the excel formant data base
- Colleting of the various course outlines in priority fields
STUDENT INTERN
Bank of Namibia
05.2001 - 07.2001
- Forecasting, interpolation and extrapolation of data
- Regression analysis of linear and non linear ordinary least squares
- 8 | Page
- Work on EViews software with the modelling and forecasting division
- Reporting on the Economic Outlook of Namibia
SALES REPRESENTATIVE
11.2000 - 01.2001
- Cash Converters- UNAM holidays, Responsibilities:
- Attending to clients who wanted to purchase an item
- Merchandising
- Cleaning and etc.
Education
Bachelor of Economics - Applied Economics
University of Namibia
SADC DFI Training Attended Financial Modeling Project Finance Investment Appraisal & Risk Analysis - undefined
High School Certificate - undefined
Otjiwarongo Secondary School
Skills
- Afrikaans
- English
- KhoeKhoegowab
- Computer skills
- Financial Statement Review
- Staff Evaluations
- Document Verification
- Risk Assessment
Languages
Khoekhoegowab , Afrikaans
Native language
Afrikaans
Proficient
C2
English
Proficient
C2
Timeline
Credit Analyst
Agricultural Bank of Namibia
04.2008 - Current
Acting GM
Namibia Airports Company
05.2004 - 01.2019
Senior Business Researcher & Statistician
Namibia Airports Company Windhoek
02.2004 - 03.2008
SENIOR STATISTICIAN
Namibia Statistics Agency
04.2003 - 01.2004
BANK CLERK
Standard Bank of Namibia
02.2003 - 03.2003
STUDENT INTERN
05.2002 - 11.2002
STUDENT INTERN
Bank of Namibia
05.2001 - 07.2001
SALES REPRESENTATIVE
11.2000 - 01.2001
Bachelor of Economics - Applied Economics
University of Namibia
SADC DFI Training Attended Financial Modeling Project Finance Investment Appraisal & Risk Analysis - undefined
High School Certificate - undefined
Otjiwarongo Secondary School