Amanda Makumbe

Credit Analyst with 13 years of experience gained within Banking and Financial Services. Strategic thinker with strong analytical skills. Proficient in commercial and retail credit analysis while making informed decisions and maintaining company risk exposure within acceptable parameters.

Credit Risk Analyst/Credit Underwriter - LeasePlan UK

(2022-10 - 2026-06)

• Conducted comprehensive analysis of financial statements and business bank statements to deduce credit worthiness and potential risks.
• Making decisions based on previous payment history and industry/country risk and aligning decisions to company policy.
• Requesting further information like (balance sheet. P&L and Management information) to make informed decisions.
• Setting credit limits which are in line with my stipulated credit mandate.
• Maintaining weekly and monthly reports on credit decisions and flagging discrepancies in scorecard performance.
• Contributing to the development and implementation of risk policies and guidelines.
• Worked closely and effectively with colleagues across the business and brokers to serve the needs of LeasePlan customers within the parameters of defined SLAs.
• Conducted PEP, sanctions and adverse media screening using World-Check as part of customer due diligence and financial crime risk assessment.
• Verified Beneficial Ownership / Ultimate Beneficial Ownership (UBO) information as part of CDD and EDD.
• Reviewed Source of Funds (SoF) and Source of Wealth (SoW) information where required to support customer risk assessment.
• Made risk-based decisions within delegated authority and in accordance with company policies, procedures and risk appetite.

Credit Risk Performance Analyst - Sky UK LTD

(2022-03 - 2022-07)

Proving assurance that Sky Mobile Credit Risk was operating within its credit risk appetite by maintaining and improving credit risk reporting and analysis. Presenting key performance KPIs for Sky Mobile and relevant insights to senior management.

• Performed detailed and well-documented analysis to support implementation of policies, models, and credit strategies.
• Responsible for monitoring, identifying risks and analysing credit risk decisions/strategies in Sky mobile credit risk department.
• Analysed and monitor existing customers’ debt performance to support P &L management.
• Conducted deep dives, analyse trends, and identify potential risks in score scorecard matrix.
• Evaluated company performance, analyse market risk, and compare with industry peers.
• Maintained daily, weekly, and monthly reporting on risk performance metrics and reporting to senior management.
• Created a roadmap for Sky Mobile credit risk and improving processes within the department.
• Supported other stakeholders in becoming self-sufficient in understanding key risk performance metrics.

Credit Underwriter/Credit Analyst - Renault Credit International Financial Services

(2016-03 - 2022-03)

Responsible for assessing commercial and consumer lending and reducing risk to the business by making informed decisions.

• Reviewed and analysed financial history and bank statements.
• Using credit-scoring systems to check customers’ payment history and creditworthiness.
• Improved company processes, identifying, and investigating potential fraud applications and always protecting the company from financial exposure.
• Calculated Loan to Value rates based on the company’s guidelines.
• Maintained good working relationships with brokers and other stakeholders.
• Provided recommendations for the above mandate proposals after assessment and adding credit limits to the system based on the company's financial position.
• Maintained excellent working relationship with Account Managers.
• Recommended and always evaluated ways of improving business processes.

Credit Underwriter - FCE Bank Plc -UK (Ford Credit Europe)

(2013-07 - 2015-01)

Part of the Credit Dealer Services team and responsible for assessing consumer lending. Responsible for assessing credit risk for both new and existing customers.

• Assessed consumer finance applications, reviewing customer financial information, credit history and affordability.
• Evaluated customer creditworthiness and identified potential risks before making lending decisions.
• Reviewed applications against established credit policies, risk criteria and delegated authority.
• Used credit-scoring systems and customer information to support consistent and accurate lending decisions.
• Investigated discrepancies and requested additional information where required.
• Maintained accurate records of lending decisions and ensured applications were processed within required SLAs.
• Worked with internal stakeholders and dealer networks to resolve queries and obtain relevant customer information.
• Maintained awareness of potential fraud and other risk indicators during application assessment

BSc (Hons) - Business/Psychology - University of Hertfordshire

MSc - Human Resources Management and Training - University of Leicester