McDonald Gumbo
Operations and Administration
Sheffield
Summary
Experienced lending professional with strong focus on team collaboration and achieving results. Demonstrated ability in risk assessment, client relationship management, and financial analysis. Known for reliability and adaptability in dynamic environments. Possess strong communication, leadership, and problem-solving skills, ensuring impactful decision-making and strategic growth.
Overview
15
15
years of professional experience
7
7
years of post-secondary education
Work History
Lending Manager –Microfinance Banking
Homelink (Private) Limited
Harare
11.2020 - 10.2024
- Actively participated in development of internal controls that reduced exposure to financial crime risks significantly.
- Liaised effectively with external regulators during inspections; ensured all necessary information was readily available.
- Collaborated with legal department to address complex AML issues successfully.
- Delivered comprehensive training in anti-money laundering protocols to new hires.
- Ensured adherence to KYC norms whilst conducting rigorous background checks on prospective clients.
- Facilitating refresher trainings for AML/CFT internally and externally
- Updating and approving existing files
- Developing collections strategies to improve collection rate and effectively manage NPLs
- Collections and recoveries for highly sensitive clients
- Frequent monitoring of operational costs to keep them within established limits
- Overseeing daily cash flow planning for department and authorizing funds allocations to Accountant
- Overseeing entire lending cycle from loan origination to loan repayments by customers
- Negotiating transactions with company's biggest clients for products such as Structured Finance and Invoice discounting transactions to increase deal flow and revenues
- Preparing legal documents and attending hearings
- Proffering initiatives to grow loan portfolio and maintain Company profitability on check
- Growing and managing company’s loan book portfolio
- Tracking project progress and client customer base development
- Managing department's annual budget of US$1 million per annum
- Spearhead Business Development Sales and Marketing Campaigns for department
- Negotiated repayment plans with delinquent customers, reducing company losses.
- Developed strategic plans to mitigate potential credit risks.
- Conducted comprehensive credit risk assessments for improved lending decisions.
Accountant
Homelink Private Limited
Harare
06.2017 - 10.2020
- Ensured timely invoice payments with diligent follow-ups.
- Performed thorough expenditure tracking, preventing overspending.
- Assisted with strategic planning efforts leading to sustained growth.
- Completed detailed profit and loss analysis; identified improvement areas.
- Handled complex account reconciliations; ensured consistency in records.
- Reviewed and reconciled ledgers to maintain integrity of financial data.
- Conducted financial audits for improved internal controls.
- Achieved streamlined operations by implementing efficient accounting systems.
- Facilitated company-wide budget meetings; achieved consensus on fiscal strategy.
- Prepared monthly and yearly balance sheets, ensuring accuracy.
- Enhanced profitability by managing cost control measures.
- Improved cash flow through meticulous accounts receivable management.
- Generated accurate financial reports using advanced software tools.
- Managed financial reporting processes resulting in enhanced transparency.
Back Office and Reconciliations Officer
BancABC Zimbabwe
Harare
09.2009 - 05.2017
- Managing customer accounts and updating client records
- Handling internal and external communication and correspondence
- Processing customer transactions and resolving discrepancies
- Collaborating with team members to improve customer service
- Maintaining confidentiality of banking information
- Performing monthly Bank and Tax reconciliations
- Prepared monthly reports thereby helping senior management make informed decisions.
- Drafted letters and memos as required, facilitating effective corporate communications.
- Managed petty cash effectively preventing any shortage for small expenses.
- Facilitated communication between departments for better work coordination.
- Improved workflow efficiency for quicker processing of documents.
- Handled customer queries via phone or email, enhancing overall customer satisfaction.
- Generated reports detailing findings and recommendations.
Education
Executive Diploma - Microfinance & Entrepreneurship
National University of Zimbabwe
Zimbabwe 01.2021 - 12.2021
Master’s in Business Administration -
University of Zimbabwe
Zimbabwe 01.2013 - 01.2016
Diploma - Project Management
Trust Academy Zimbabwe
Bachelor of Science Honors Degree - Administration
University of Zimbabwe
Zimbabwe 08.2004 - 08.2007
Skills
KPI tracking
undefinedPersonal Information
- Date of birth: 04/16/85
- Gender: Male
- Nationality: Zimbabwean
Languages
English
Fluent
Timeline
Executive Diploma - Microfinance & Entrepreneurship
National University of Zimbabwe
01.2021 - 12.2021
Lending Manager –Microfinance Banking
Homelink (Private) Limited
11.2020 - 10.2024
Accountant
Homelink Private Limited
06.2017 - 10.2020
Master’s in Business Administration -
University of Zimbabwe
01.2013 - 01.2016
Back Office and Reconciliations Officer
BancABC Zimbabwe
09.2009 - 05.2017
Bachelor of Science Honors Degree - Administration
University of Zimbabwe
08.2004 - 08.2007
Diploma - Project Management
Trust Academy Zimbabwe
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