As a highly adaptable person, I am prepared to explore new ideas and learn new ways from any institution as long as I am striving for greatness. I have constantly demonstrated my ability to meet deadlines and accomplish project objectives, as well as address mission-critical challenges and prioritize key activities, all while upholding the high standards expected of my position. Working to my best potential in everything I do brings me a lot of delight and happiness.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Analyst
CBZ Bank Agro Yield-Credit Origination
05.2022 - 12.2024
Consolidate quantitative and qualitative inputs from our customers and other sources to fully understand the repayment performance of our customers
Monitor, assess, and anticipate credit risk across the portfolio, and proactively report any potential risks
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval
Generate financial ratios, using computer programs, to evaluate customers' financial status
Review customer files to identify and identify delinquent accounts for collection
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries
Review the non-performing loan portfolio daily and preparing regular reports on status of non-performing loan accounts for portfolio analysis and subsequent presentation to Management
Evaluate clients’ credit data in order to determine the degree of risk involved in lending money to them including FCB checks
Gather information to help the company make decision
Review client records and use the data to make recommendations
Clerk
CBZ Bank
11.2019 - 04.2022
Accounts opening for all branches for command agriculture program in Flexcube
Performing World Checks and FBBs for all accounts opened
Preparing loan statements for clients
Reconciliation of Agro yield recoveries account
Liquidations for customers paying their debts
Reconciliation of GMB payments against our account and reimbursement of customer funds from our account
Resolving queries arising from clients
Processing addendums once farmers received their vouchers
Internship
CBZ Bank
07.2017 - 08.2018
Examining financial statements and reporting
Recording accounts payable and accounts receivables
Processing of invoices
Preparing financial reports
Preparing budgets and forecasting
Making bank deposits
Reconciliation of bank statements
Cash flow management
Education
MBA - Business Analytics
Clarkson University
Potsdam, NY
12-2026
Masters of Corporate Finance and Investment Analysis -
University of Zimbabwe
12.2022
BACHELORS OF COMMERCE HONORS - FINANCE AND BANKING
University of Zimbabwe
12.2019
Skills
Good communication and interpersonal skills
Good statistical and analytical skills
Knowledge of basic operating systems
Computer literate (Microsoft)
Time Management
Marketing
Good public relations
Accomplishments
Employee of the year 2023 at CBZ Agroyield.
Certification
Ethical Leadership Certification from NASBA February 2025
Timeline
Credit Analyst
CBZ Bank Agro Yield-Credit Origination
05.2022 - 12.2024
Clerk
CBZ Bank
11.2019 - 04.2022
Internship
CBZ Bank
07.2017 - 08.2018
Masters of Corporate Finance and Investment Analysis -
University of Zimbabwe
MBA - Business Analytics
Clarkson University
BACHELORS OF COMMERCE HONORS - FINANCE AND BANKING
University of Zimbabwe
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