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Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought with a path towards being a loan writer.

ABOUTME A highly motivated and ambitious Administrator , able to give timely and accurate advice, guidance, support and training to team members and individuals. Possessing excellent management skills and having the ability to work with the minimum of supervision whilst leading a team . Having a proven ability to lead , consistently hit targets, improve best practices and organised time eﬃciently. Now looking forward to a making a signiﬁcant contribution as a team leader with a company that oﬀers a genuine opportunity for progression . Thorough banking professional knowledgeable about bank products, processes and regulations. Confident and organised in helping consumers navigate sometimes-complex systems to achieve financial goals and boost bank profitability. History completing impeccable work balancing institutional and consumer needs. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Bilingual Credit Analyst familiar with creating credit risk models. Eager to apply skills in account management and research to augment an employer's services and market share. Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Experienced and detail-oriented finance professional with seven years of expertise in credit analysis and currency management. Seeking a challenging role in a reputable financial institution where I can apply my knowledge of risk assessment, financial analysis, and regulatory compliance to support sound lending decisions and strengthen operational efficiency.
Certified SAP FICO professional with seven years of experience in credit analysis and currency management, skilled in financial reporting, account reconciliation, and credit risk assessment using SAP modules. Experienced Credit Analyst offering well-developed skills in managing teams, record updates, and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought.

Dynamic Credit Analyst with over five years of experience in the banking sector, specializing in credit processing and analysis. Proven expertise in evaluating financial data and enhancing credit assessment processes to mitigate risk. Strong analytical skills, complemented by a solid background in financial analysis, ensure effective decision-making. Demonstrated ability to work under pressure, achieving significant improvements in loan approval rates, and portfolio management.

Josephine Sanga

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Credit Analyst

Risk & Compliance Officer

Area Supervisor

Branch Manager

Education

Bachelor’s Degree - Applied Accounting, Auditing & Information Systems

Foundation Diploma - PAEC/ACCA Joint Scheme

Advanced Diploma - Business Management - ABE

Malawi School Certificate of Education - MSCE