Mbongeni Khuphuka Gwebu

Portfolio Management and Monitoring Investment Analysis and Value Creation Corporate Governance Oversight Financial Performance and Risk Management Investment Exit and Restructuring Management Stakeholder and Relationship Management Strategic Planning and Reporting Leadership and People Management •         Designing customized investment solutions for the Corporation in terms of the establishing Act and its strategic mandate. •         Establishing a solid investment portfolio across all target sectors and industries, developing requisite financial models and analyzing legal financial undertakings towards creation and retention of value of any investments in which the Corporation has invested in. •         Packaging of projects for financing, structuring finance packages for projects, evaluate investment opportunities for pitching of investment, and to implement mergers and acquisitions (M&A). •         Examining and assessing economic and market trends, earnings prospects, financial statements and various other indicators and factors to determine suitable investment strategies for portfolio growth. •         Monitoring the performance of investments equities, stocks and securities in which the Corporation and Eswatini Government have invested in. •         Ensuring compliance with regulatory requirements and risk management. •         Preparing detailed analysis and keeping updated research reports on existing portfolio and other investment opportunities. •         Enhancing a healthy people and stakeholder management.

• Leading the preparation of financial and strategic projects for the group of companies; Inhlonhla, Investment Trust and Amandla Financial Services; • Preparing investment proposals under the Mandate held with the Public Service Pensions Fund (PSPF) across various sectors including; telecommunication, property, agriculture, energy and financial services; • Conducting financial/ risk analytics and portfolio evaluation of funds held under the Inhlonhla Investment Trust; • Conducting periodic assessment of credit proposals for Amandla Financial Services; • Leading the development of departmental financial plans and ensure compliance with all regulatory requirements. For example, led the team that was interviewed by the officials who drafted the recent Eastern and Southern Africa Anti-Money Laundering Group – ESAMLG country report); • Defining, implementing and revising operational strategies, policies and guidelines for the organization; • Keeping track of the company's revenue margins and conducting budget reviews to maximize profits; • Managing procurement and resource allocation; • Laying a leading role in compiling company budget and growth strategy; • Executing strategies to optimize company and asset growth; • Creating financial reports; • Managing money handling, accounting, and bank processes;

• Strategy execution and performance management in the areas of funding evaluation, loan management and collection • Oversee the business operations with regard to; credit management, procurement, risk management, compliance, processes, procedures and policies, audit and inspection matters, project management and reporting. • Financial management in terms of; controlling revenue leakages, budgeting and forecast, applying cost containment measures, accounting of transactions, etc. • Managing a loan book portfolio in excess of E1 billion. • Providing leadership, coaching and motivation to the human capital. • Preparing management reports for the Managing Director and Board of Directors.

• Strategy management and execution of all strategic initiatives • Managing Corporate Scorecard and continuous tracking of Initiatives/Objectives • Conducting periodic Strategy reviews and Annual review sessions • Reporting on strategy progress and interventions to CEO and Board of Directors • Strategy communication - making periodic presentations on strategic initiatives to Bank staff and management • Projects management – making appraisals and cost benefit analysis • Monitoring and evaluation of the Bank’s strategic projects • Representing Eswatini Bank in SADC Development Financial Resource Centre Working Groups on the Implementation of the UN Sustainable Development Goals (SDGs) in the Region. I collated a report on the Eswatini Agricultural landscape, and together with the other member countries, we prepared a consolidated report on Innovative Agricultural Financing Models for consideration and adoption by the SADC Council of Ministers.

• Responsible for developing operational policies and strategies on improving the Bank’s housing and vehicle finance portfolios. • Going to markets to source potential business opportunities • Manage and report on the overall performance of the two portfolios on monthly basis. • Appraise and approve individual and commercial housing and vehicle finance loan applications including the financing of growing and selling sugarcane, and present big proposals to top management/Board. • Analyses and provide for losses in line with each client’s risk profile and exposure in terms of CBE Inspection Circular No.8. • Managing a loan portfolio budget in excess of E600 Million. • Led the reviewing of the Bank’s Credit Policy in accordance with Basel Committee standards and local regulatory authority standards (mainly by Central Bank of Swaziland and Financial Services Regulatory Authority) – in May/June 2014. • Supervise departmental staff particularly in areas of; customer service, loan appraisal and disbursements, system reporting, internal controls and operational issues, etc.

Responsible for developing operational policies and strategies on improving the Bank’s housing finance portfolio. • Setting up an insurance agency in the Bank as per the Insurance Act of 2005. • Manage and report on the overall performance of housing finance portfolio and insurance business on monthly basis. • Appraise and approve individual and commercial housing loan applications and make presentations to Managing Director and Board of Directors on bigger facilities. • Approve insurance premium loan applications for motor insurance business. • Prepare provisions for losses in line with each client’s risk profile and exposure in terms of CBE Inspection Circular No.8. • Managing a loan portfolio budget in excess of E400 Million. • Foreclose on non-performing loans through liaising with attorneys. • Supervise departmental staff particularly in areas of; customer service, loan appraisal and review, insurance agency administration, system reporting, internal controls and operational issues, etc.

• Responsible for developing &implementing its operational and strategic policies. • Setting up and operationalizing a new motor vehicle finance department in the Bank. • Manage and report on the overall performance of the asset-based finance portfolio to Managing Director on a monthly basis. • Appraise and approve individual and commercial vehicle loan applications including the financing of growing and selling sugarcane, and make recommendations/ presentations to Managing Director and Board of Directors on bigger facilities. • Approve insurance premium loan applications for motor insurance business. • Prepare provisions for losses in line with each client’s risk profile and exposure. • Managing a loan portfolio budget in excess of E250 Million. • Initiate legal proceedings against defaulting clients and oversee the process of disposing off all repossessed assets. • Supervise departmental staff particularly in areas of; customer service, loan appraisal and review, insurance agency administration, system reporting, internal controls and operational issues, etc.

• Conducted on-site and off-site supervision of all banking institutions in Swaziland - including operational and internal controls. • Assessed and monitored banks; capital adequacy, asset quality, management and board supervision, earnings performance, liquidity and risk sensitivity analysis. • Prepared monthly and quarterly financial analysis reports for the Board of Directors on banking operations and finance operations, etc. • Carried out financial analysis for banks’ applications on large lines of credit. • Monitored the adequacy of banks’ bad and doubtful debts provisions and other charge-offs. • Reviewed licensing of financial institutions under the Swaziland Financial Institutions (Consolidated) Order, 1975 (Amended). • Monitored lending of financial institutions as per provisions of the Financial Institutions Act, 2005 (Amended) • Participated in the piloting and implementation of the Central Bank of Eswatini Inspection Circular No. 8 – in the banking industry.

• Assisted in the preparation of periodic reports on investment accounts held with different asset managers including but not limited to; Coronation Fund Managers, Rand Merchant Bank, Allan Gray, Sanlam and Alexander Forbes. • Assisted in pensions administration operations including attending to walk in clients. • Assisted in the preparing of payments for clients and recording accounting entries. • Conducted a two weeks’ in-house staff training on computer skills including the use of; MS-DOS, MS-Word, Excel, Corel WordPerfect, and Lotus 1-2-3.