BOINEELO GORATA MODISE

• Manage the Retail collections strategy in line with the credit risk portfolio parameters to minimize credit losses, through minimizing relegation to non-performing loans status and management of flow rates within approved budget
• Systematically and aggressively follow up current early arrears and unsatisfactory performing accounts to reduce exposure and maintain loss experience to a minimum
• Provide feedback to the Sales strategy from experiences gained on managing early arrears
• Execute rehabilitation actions to assist customers managing their debt, working in liaison with the sanctioning team
• Evaluate credit worthiness of customer within company guidelines and recommend to the Debt Restructuring Committee account for approval
• Review delinquency reports and initiate / recommend for remedial action as required by collectors or attorneys
• Monitor and control costs within the approved budget limits to achieve operational efficiency
• Develop, align & implement end-to-end processes ensuring optimization of operational policies and process
• Implemented daily dashboards and checklists that enabled Team leaders optimally manage collectors performance
• Plan, implement and review people and business processes to drive optimal utilization of available resources and improve department performance
• Comply and ensure team compliance with governance, business processes and regulatory requirements; follow up all audit findings and ensure closure within agreed timeframes and escalate associated risks in line with mandate
• Monitor and manage Credit & Operations process breakdowns that leads to technical arrears and take appropriate action in line with mandate
• Continuous and active engagement with all schemes to manage credit risk arising from Retrenchments, liquidations and resignations
• Lead a team of 16 collectors and 4 team leaders.
• Improved overall collections efficiency by implementing strategic collection plans and processes.
• Enhanced team performance through regular training, coaching, and feedback sessions.
• Managed a diverse portfolio of accounts to optimize collection efforts and minimize losses.
• Provided exceptional customer service throughout the collections process, addressing concerns promptly while upholding company values.
• Reduced delinquency rates with proactive account monitoring and timely communication.
• Developed customized payment plans for financially distressed customers, enabling successful debt recovery while maintaining customer satisfaction.
• Established strong relationships with customers, fostering open communication channels for effective debt resolution.
• Supervised staff of collectors, monitoring phone calls and letters.
• Implemented efficient skip tracing techniques to locate hard-to-reach debtors and expedite the recovery process.
• Increased recoveries by negotiating favorable repayment terms for clients and customers.
• Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
• Successfully implemented new technologies and process automations to encourage continuous improvement.
• Streamlined collections procedures for increased productivity and reduced manual efforts.
• Created comprehensive reports on collection activities, highlighting key performance indicators and areas for improvement.
• Optimized resources allocation by prioritizing high-value accounts for maximum returns on investment.
• Evaluated and negotiated contracts to procure favorable terms on Service Level agreements with external debt collectors.
• Managed a panel of 7 external debt collection companies

• Ensure Credit Governance strategic objectives in line with the Credit and overall Bank’s strategy
• Drive a high-risk maturity culture within the Credit department
• Embed the Credit Risk Management Framework
• Facilitate annual review of credit policies, committees charters, processes and frameworks
• Monitor and track policies/processes and frameworks to ensure they are reviewed and approved within the renewal frequency
• Point of repository for all policies/frameworks and processes ensuring these are safely accessible to all
• Monitor compliance with laws, regulations, policies, procedures and contracts by performing control testing and monitoring monthly and report any process gaps to management for remediation
• Maintain a tracker of all process weaknesses until closure
• Coordinate audits as point of contact; external audit, group internal audit o and regulatory audit
• Facilitate closure of all open audit issues and ensure timely remediation
• Perform risk assessment for all credit processes, systems and projects
• Maintain effective credit relationships with key external regulatory bodies / specialists in order to provide forward looking insight into potential changes to credit policy, risk appetite and credit management practices
• Interface with key external relationships in respect of credit oversight and governance providing assurance and technical comment where required
• Lead a team of 2 quality assurance specialists and a Data steward
• Successfully pioneered the departments’ efforts to identify and release the first cohort of internal secondments
• Established and executed governance implementation roadmap.
• Defined performance indicators and quality metrics to maintain compliance with governing policies, standards and adoption requirements.
• Collaborated with cross-functional teams to develop governance-related training programs, raising awareness on critical issues.
• Established strong relationships with stakeholders, promoting collaboration and building consensus on key decisions.
• Evaluated internal controls to identify gaps and drive continuous improvement in governance practices.
• Ensured regulatory compliance, proactively identifying areas of potential risk and taking corrective actions.
• Conducted comprehensive conformance tests on governance processes, ensuring adherence to established standards and best practices.
• Implemented business continuity plans, safeguarding the organization''s operations against unforeseen disruptions.
• Assisted in developing and maintaining department policies and procedures to support organization and industry best practices.
• Supported strategic planning efforts by providing insights into relevant risks, opportunities, and compliance requirements.

• Assessed and evaluated credit applications to ensuring adherence to Banks Credit Policies
• Work cross-functionally with sales, management, and other departments to maintain effective operations.
• Improved credit risk management by implementing effective underwriting policies and procedures.
• Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
• Investigated and evaluated customers for creditworthiness and potential risk factors..
• Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
• Reviewing and structuring of new and existing proposals and ensure the achievement of balance in risk and reward based
• Ensure transaction meets return on economic capital and risk reward targets, or that appropriate sign off has been obtained

Credit Committees Secretariat duties:

• Preparing various statutory or corporate governance reports, returns and arranging necessary filing and ensure effective budget management and timely reporting
• Participating in meetings and advising all Committee quorum members/ Non‐Executive Directors on processes, procedures, and policies
• Proving CEO with summary of applications before all Board Credit Risk Committees
• Champion and custodian of Credit committee charters ensuring timely annual review
• Providing secretarial services to two key credit Committees (Internal Credit Risk (ICRC) and Board Credit Risk Committees (BCRC)), reporting to Director of Credit with dotted line to Non-Executive Directors and Company Secretary
• Oversight of compliance with corporate governance regulations, regulatory requirements relating to Credit approvals, Single Obligor limits, Board Credit Committee mandate and constitution
• Arranging board committee meetings as required by law and company procedure
• Preparation of all Credit committees monitoring reports and ensuring timely reporting to group and FNBB Board and per local and group regulations
• Manage credit secretarial correspondence, collating information and writing reports, ensuring decisions made are communicated to relevant stakeholders
• Liaison between FNB Botswana Credit and group supporting Credit Committees ensuring timely submission of Botswana Credit apps that are above Botswana Credit Mandate
• Liaison between Board Credit Committee and Board, ensuring timely submission of all escalations from Board Credit Committee into Board for review and approval
• Quorum member of Deal conclusion forum for proper conclusion and fulfillment of large ticket deals

Personal Assistant to the Director of Credit duties:

• Liaison and key contact person for the group internal audit
• Acted as a liaison between the DOC and Credit EXCO by transmitting directives, instructions, and assignments, and following up on the status of the assignments, as advised by DOC
• Coordinate strategy development and implementation conjunction with EXCO
• Organize, scribe, and ensure action items are completed in a wide range of meetings and functions under Director of Credit’s mandate
• Perform a variety of administrative or executive support tasks that are highly confidential and sensitive
• Management of Director of Credit's (DOC) diary ensuring that DOC is always well informed of their appointments schedule and oversee the booking of all travel arrangements and accommodation
• Execute ad-hoc projects in line with Credit strategy and as assigned by Director of Credit
• Ensure that Director of Credit ‘DOC’) can facilitate his/her role and manage their personal and business profile appropriately to enhance the image and reputation of the Bank, with recommendation for resolution as appropriate
• Preparation of briefing material in support of visits, meetings, speeches, and presentations to both internal and external audiences, liaising with Communications and business lines where appropriate
• Participate as an adjunct member of the Executive Team including assisting in scheduling all meetings and attending all

• Originate debt restructuring/payment plans/limit extensions and other distressed loan applications and present proposals to debt restructuring committee
• Proactively pursue the credit risk management by monitoring exceptions raised via the banks various systems
• Manage daily overdrawn transactions accounts
• Prepare various credit risk reports for review at Credit Risk Committees
• Ensure risk categories are monitored regularly and are correct to match the risk profile in line with bank credit policy guidelines
• Follow up and ensure reduction in number of dormant and inactive accounts

• To proactively pursue credit risk management by ensuring that limit drawdown is done within policy guidelines and mandates
• Prepare legal documents once facilities have been approved
• Monitoring exceptions raised via Banks various systems (imperfect securities, performance guarantees)
• Ensure that credit limits are only loaded on accounts once all security has been perfected and all pre-conditions have been complied with

• Originated credit proposals and make recommendations for consideration by Credit Manager
• Ensured that all loan/facility documentation are correct and in order prior to drawdown to protect bank against possible financial loss
• Managing client relationships through provision of quick turnaround times on credit proposals.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Assessed credit risk and analyzed financial statements.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
• Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
• Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.

• Continuously identifying new business opportunities
• Actively grow merchant base by targeting quality, profitable business as well as cross selling
• Capturing of sales leads into the sales pipeline and maintain list on a daily basis
• Ensured that excellent service standards are maintained through-out the branch
• Prepare and present proposals for potential clients
• Enrolment of new clients and ensuring they are set up correctly, timely and accurately
• Ensure that the Bank is actively promoted to establish a presence in the market