ALIMA ZE

Analysing financial data to assess credit risks by business sector, resulting in a 15% reduction in breakage rates, Identify and mitigate the risks associated with granting credit to SMEs in compliance with internal and external procedures, Assess/interpret market trends, economic and geopolitical conditions and their impact on investment opportunities and commercial decisions, Collaborate with cross-functional teams during pre-committees and improve response time by 10%, Leading and drafting the minutes of credit and portfolio review committees, Prepare and present monthly commitment reports and guide decision-making.

Appraising clients' private-law and notarised guarantees once they have been approved, Coordinating the recording and archiving of guarantees received from customers, Supervising the reporting of guarantees received from customers, Liaise between the credit insurer and the bank.

Formulate areas for improvement and bring the credit policy into line with the statutory auditors' complaints, Evaluate breakage rates by portfolio, which has led to a 13% improvement in early loan repayments, Remote declaration of FNIC and CNEF SPECTRA receivables (BEAC), Presenting quarterly, half-yearly and annual activity reports to General Management, Train and supervise five (5) pre-employment/vocational trainees.

Analyse sensitive accounts and reduce financial losses by 30%, Analyse and recover door-to-door credit files (less than 50Ms XAF), Control credit conditions and prevent operational credit risk by 25%, Evaluate credit performance and increase NBI by 5%, Reporting commitments by cash position, Manage customer complaints and limit accounts receivable closures to 35%, Prepare quarterly, half-yearly and annual activity reports for governance, Manage and supervise twenty (20) academic trainees.

Controlling the retention of credit fees and commissions and maximising NBI, Notify the business line of credit maturities and minimise provisions, Reporting major risks and sensitive risks for pre-committee decision-making, Preparing and reviewing commitment processes with Internal Control, BenchMarking: prospecting for customers, preparing the rate book and EER policy. Amicable collection: Preparing/presenting collection files to the committee.