RUZIVORWASHE LADIOUS GANYANI

Managed commercial credit facilities for SME entities, conducted comprehensive loan assessments, and oversaw portfolio performance to foster a high-performing and compliant credit environment.

• Designed and administered commercial credit facilities for SME entities, conducting comprehensive assessments to evaluate creditworthiness and repayment capacity.
• Developed and implemented key performance indicators (KPIs) and financial metrics to guide loan repayment planning, ensuring a robust and high-performing credit portfolio.
• Managed end-to-end loan transactions, from underwriting and presenting applications to the credit committee, to counseling clients on policy provisions and regulatory compliance.
• Monitored and optimized loan portfolio performance through continuous client relationship management and proactive risk assessment, contributing to portfolio health.
• Streamlined financial operations by meticulously monitoring cash disbursements, maintaining accurate balance books, and organizing loan forms to ensure regulatory compliance and efficiency.

Supported insurance operations and loan processing by assessing applications, ensuring compliance, and contributing to business development activities.

• Issued insurance policies and provided comprehensive customer service, addressing queries and concerns while ensuring strict compliance with legal requirements.
• Assessed loan applications for individuals and businesses, evaluating creditworthiness through detailed credit history, income stability, and debt-to-income ratio analysis.
• Conducted thorough financial health analyses and risk evaluations for each loan application, structuring tailored agreements to ensure regulatory compliance and minimize risk.
• Participated in sales and business development activities, contributing to client acquisition and fostering positive borrower relationships through continuous communication and loan portfolio monitoring.