Tammy Beni Chivese
Gaborone
Summary
Dynamic and hardworking Senior Credit Analyst with over six years of extensive experience at Bank of Baroda Botswana Pty Ltd. With analytical and strategic Credit Analysis, known for high productivity and efficient task completion. Possess specialized skills in risk assessment, financial modeling, and regulatory compliance which directly contribute to sound decision-making processes. Excel in communication, teamwork, and problem-solving, ensuring seamless collaboration across departments to achieve financial objectives.
Overview
7
7
years of professional experience
Work History
Credit Analyst
Bank of Baroda
Gaborone
09.2018 - Current
- Participated in regular meetings with internal stakeholders to discuss best practices for managing the bank's loan portfolio.
- Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
- Adhered to applicable laws, regulations and policies governing consumer lending practices.
- Maintained accurate records of all transactions related to credit activities.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Provided training sessions for new staff members on credit analysis techniques.
- Communicated regularly with borrowers throughout the application process.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Prepared periodic reports detailing overall portfolio performance and trends in delinquency rates.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Reviewed loan applications for accuracy and completeness before submitting them for approval.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Assessed collateral values and ensured sufficient coverage for secured loans.
- Reviewed and updated credit and loan files to ensure accuracy and completeness of documentation.
- Presented key information to upper management and executive team for loan recommendations.
- Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
- Negotiated payment plans with customers, achieving sales and cash flow objectives.
- Analyzed clients' financial statements, market conditions, and industry trends to evaluate risk.
Education
Bachelor of Science - International Economics And Trade
Wuhan University of Technology
Wuhan, Hubei Province, China07-2018
Certificate - Banking Products And Services
Corporate Finance Institute
Vancouver, British Columbia, Canada04-2022
Certificate - Introduction To Business Intelligence
Corporate Finance Institute
Vancouver, British Columbia, Canada05-2021
Certificate - Data Science Fundamentals
Corporate Finance Institute
Vancouver, British Columbia, Canada05-2021
Credit Risk Certification (CRC)
Risk Management Association
Philadelphia, PA 19103, USA01-2026
Skills
- Financial statement analysis
- Credit analysis
- Credit risk assessment
- Risk mitigation strategies
- Quantitative analysis
- Regulatory compliance
- Communication skills
- Performance monitoring
- Analytical skills
- Financial modeling
- Lending regulations
- Teamwork and collaboration
- Attention to detail
- Relationship management
- Critical thinking
- Cash flow analysis
- Decision-making
- Self-Directed
- Portfolio monitoring
- Credit scoring
- Loan documentation and policies
- Loan evaluation
- Credit reporting
- Banking regulations
- Debt structuring
Languages
Setswana
First Language
English
Proficient (C2)
C2
Chinese (Mandarin)
Intermediate (B1)
B1
References
- Mr. Shailesh Kumar, Branch Manager, Bank of Baroda Botswana (PTY) LTD, Cell: +267 75588768
- Mr. Sahoo Biswa, Chief Credit Manager, Bank of Baroda Botswana (PTY) LTD, Cell: +267 74655669
- Mr. Nakul Kumar, Chief Operation Manager, Bank of Baroda Botswana (PTY) LTD, Cell: +267 74032350
Timeline
Credit Analyst
Bank of Baroda
09.2018 - Current
Bachelor of Science - International Economics And Trade
Wuhan University of Technology
Certificate - Banking Products And Services
Corporate Finance Institute
Certificate - Introduction To Business Intelligence
Corporate Finance Institute
Certificate - Data Science Fundamentals
Corporate Finance Institute
Credit Risk Certification (CRC)
Risk Management Association
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