SEGOMOTSO D. RAMOTSHEO
Gaborone,Botswana
Summary
Results-driven Credit Underwriter with over 2 years of experience in retail lending, credit administration, loan processing, and quality assurance within a financial services environment. Proven expertise in credit risk assessment, financial analysis, KYC compliance, and regulatory adherence.
Strong ability to analyze financial statements, validate customer information, identify discrepancies, and ensure data integrity across lending systems. Adept at supporting sound credit decision-making, minimizing lending risk, and ensuring compliance with internal policies and procedures.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit Analysis Underwriter
Bayport Financial Services
Gaborone
07.2023 - Current
- Assessed and analyzed customer financial data, including income, expenses, and affordability, to determine creditworthiness.
- Conducted thorough loan application assessments to guarantee completeness, accuracy, and compliance with credit policies.
- Conducted comprehensive quality assurance checks on loan applications and associated documentation.
- Conducted comprehensive reviews and validations of customer profiles, KYC documentation, and credit bureau reports.
- Executed comprehensive analysis of discrepancies, inconsistencies, and missing information to uphold data integrity.
- Managed data accuracy and integrity across lending systems and platforms.
- Oversaw loan approval, disbursement, and refund processes in strict compliance with established policies.
- Directed monitoring and reporting processes for fraud risks and non-compliance issues.
- Conducted daily, weekly, and monthly reconciliations of rejected applications to ensure accuracy and compliance.
- Ensured compliance verification of all applications prior to submission to credit and lending operations.
Monitoring & Evaluation Intern
Ministry of Basic Education
Gaborone
09.2021 - 07.2023
- Executed data collection, validation, and analysis to enhance policy and compliance reporting accuracy.
- Executed field assessments to verify compliance with regulatory and operational standards.
- Facilitated joint annual sector review (JASR) reporting processes.
- Ensured data integrity and verification processes across national education programs.
Secretary
Finance Park
Gaborone
11.2015 - 07.2016
- Facilitated executive meeting scheduling, enhancing time management for leadership team.
- Oversaw confidential correspondence and documentation to ensure adherence to regulatory standards.
- Optimized office procedures to enhance workflow efficiency and eliminate administrative bottlenecks.
- Established and optimized filing systems to enhance document retrieval efficiency.
- Oversaw documentation and communication of administrative processes.
- Oversaw record maintenance and optimized workflow management processes.
Education
Bachelor of Arts - Double Major Economics & Statistics
University Of Botswana
Gaborone, Botswana 10.2021
Skills
- Loan structuring
- Credit scoring models
- Data visualization tools
- Cash flow analysis
- Lending & Credit Systems (CLAS)
- Credit Bureau & ITC Systems
- Microsoft Excel (Data Analysis & Reporting)
- Microsoft Word & PowerPoint
Certification
Certificate of Proficiency (COP)
Insurance Academy of Botswana
2021 – 2022
- Short-Term Insurance
- Long-Term Insurance
References
REFERENCES
• Mr Moseki- Senior Lecturer Statistics at University of Botswana.
mosekikk@mopipi.ub.bw
Ext +267 3552709
• Mr Rathedi- Senior Lecturer Economics at University of Botswana.
econstaff@mopipi.ub.bw
Ext +267 3552151
• Mr Keodiretse Phelefu- Monitoring and Evaluation Principal Officer
kphelefu@gov.bw
+267 71790841
• Mr Otsile Mosweu- Credit Underwriter Supervisor.
otsilem@bayport.co.bw
+267 75537208
• Mr Eric Mohale- Line Manager.
ericm@bayport.co.bw
+267 73292839
Timeline
Credit Analysis Underwriter
Bayport Financial Services
07.2023 - Current
Monitoring & Evaluation Intern
Ministry of Basic Education
09.2021 - 07.2023
Secretary
Finance Park
11.2015 - 07.2016
Bachelor of Arts - Double Major Economics & Statistics
University Of Botswana