Ngqabutho Siphambili
Stockholm,AB
Summary
An astute investment professional with a strong background in Trade Finance, asset-based lending, working capital and corporate credit, backed by a decade of commercial banking experience in private and public sector development in emerging markets. Expertise is in deal origination, structuring and portfolio management of debt transactions resulting in improved profitability, liquidity and healthy balance sheet for both client and financier. Sector expert in agriculture, agro processing financing which include structured commodity finance, working capital, equipment, and asset-based lending. Passionate about building networks in private and public sector, continuous learning to be able to deliver value to clients and stakeholders. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Client Coverage Manager Agribusiness and CIB
BancABC Part Of Atlas Mara
Harare, Zimbabwe
05.2017 - 08.2021
- Explored opportunities to help clients achieve financial goals through careful identification of customers' total financial profiles.
- Origination, appraising and management of working capital, trade finance and project finance transactions for circa US$65 million in total value
- Originated, appraised, and managed over US$10 million structured trade finance transaction for agriculture commodities for manufacturers, availing pre shipment finance and commodity financing and use of stock monitoring agreements collateral management agreements
- Originated and structured facilities of over US$10 million working capital to support out grower schemes growing cereals such as wheat and maize and pulses such as soya beans
- Equipment finance of circa US$5 million to support purchase of irrigation equipment such as centre pivots and pipelines to the fields
- Successfully grew a portfolio of importers and exporters and marketed trade finance instruments e.g. Letter of credit (LCs) to importers to mitigate international trade risks such as payment risk
- Adhered to responsible lending through ensuring that all corporate clients were compliant on ESG (Environment, Social and Governance) matters, KYC (Know Your Customer), AML (Anti Money Laundering) and CTF (Counter Terrorism Financing).
- Developed comprehensive account plans for key clients, resulting in increased business retention and growth.
- Managed a diverse portfolio of high-value clients, consistently exceeding revenue targets through effective account management practices.
- Processed loan applications and monitored progress from start to finish.
- Coached regional team of credit and corporate banking analysts providing guidance on debt transaction structuring and monitoring
Corporate and Credit Analyst
BancABC Part Of Atlas Mara
Harare, Zimbabwe
01.2013 - 04.2017
- Maintained compliance with applicable regulations and laws governing commercial credit.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
- Preparation of credit proposals incorporating financial review, business and industry review, security, and management review
- Preparation of annual credit reviews and new credit requests in trade finance, working capital, asset-based finance, equipment finance achieving above 80% approval rate
- Timely preparation of change requests which included variations on financial and non-financial covenants, on security, expiry dates, repayment terms amongst others
- Use of rating models and RAROC tools
- Due diligence on transaction to ensure that NPL ratios are maintained below regulated 3%, 100% KYC and AML compliance and ESG compliance
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
Graduate Trainee
BancABC Part Of Atlas Mara
Harare, Zimbabwe
01.2012 - 12.2012
- Internship in Corporate Banking, Commercial credit, Global Markets and Treasury, International Banking, Asset Finance
- Analyzed acquired information and presented to executive management.
- Made recommendations to Management on how to improve performance in various Business units.
- Enhanced team collaboration by participating in group projects and sharing innovative ideas.
Education
Master of Science with a specialization in International Business Strategy - Business Administration
Linnaeus University
Kalmar, Sweden06.2023
Bachelor of Commerce Honors Degree in Banking - Applied Economics
National University of Science of Technology
Bulawayo , Zimbabwe10.2010
Skills
- Financial Analysis
- Financial Modelling
- ESG Risks Assessment
- Asset Based lending
- Credit Analysis
- Business Analysis
- Industry Analysis
- Relationship Management
- Trade Finance
- Project Finance
- Commercial Banking
- Portfolio Management
Certification
- Commercial Banking and Credit Analyst (CBCA), Corporate Finance Institute, 10/2023
- Project Finance (Financing, and Investing in Infrastructure), University of Bocconi, Milan, 01/2023
- Google Project Management Professional Certificate, Coursera, 02/2023
- Graduate Leadership Program, GIBS Business School, University of Pretoria, South Africa, 12/2013
Other
References and certificates are available upon request.
Languages
Zulu/ Ndebele, Shona
Native language
English
Proficient
C2
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Client Coverage Manager Agribusiness and CIB
BancABC Part Of Atlas Mara
05.2017 - 08.2021
Corporate and Credit Analyst
BancABC Part Of Atlas Mara
01.2013 - 04.2017
Graduate Trainee
BancABC Part Of Atlas Mara
01.2012 - 12.2012
Master of Science with a specialization in International Business Strategy - Business Administration
Linnaeus University
Bachelor of Commerce Honors Degree in Banking - Applied Economics
National University of Science of Technology