Gert Bosch

Experience

• 

  Moores Stephens

  Nov 1994 - Dec 1996

  Accountant

  • Preparing of financial statements for individuals, Close Corporations, Farmers and Companies.• Tax calculations for individuals, farmers, close corporations and companies. • Preparing of VAT returns. • Preparing cash flows for the above mentioned entities.• Processing of financial data for two dairy study groups and presenting it to them on monthly meetings.

• 

  Nedbank

  Jan 1997 - now

  Currently part of a team (Principle Client Portfolio) that deals with clients with turnover more than R500m and lending of more than R150m. 1 Direct report which is a credit analyst.Ensure and monitor policy compliance to ensure staff operate within guidelines. Operate within personal mandate of R50.000m and analyse and investigate high risk accounts. Total portfolio managed R2.651b.Jointly responsible for achieving team and division objectives, in terms of financial performance\risk\sales growth.Monitor credit portfolio and ensure appropriate action is taken to ensure risks are mitigated. Implement specific projects or policy changes when needed. Show less Manage and lead team of 3 direct reports and total team of 6. Structure and staff area, ensure training, coaching and development as well as succession is in place.Ensure and monitor policy comlliance to ensure staff operate within guidelines. Operate within personal mandate of R35.000m and analyse and investigate high risk accounts. Total portfolio managed R4.260b.Jointly responsible for setting and achieving team and the divisions objectives, in terms of financial performance\risk\sales growth etc.Participate in strategic planning with regard to the strategy and results of the business in the area.Monitor area credit portfolio and ensure appropriate action is taken to ensure risks are mitigated. Implement specific projects or policy changes when needed. Show less Key Performance Areas:Team Performance• Structure and staff area optimally • Ensure training and development and career planning is implemented and actioned;• Manage performance of staff and implement reward/recognition programme;• Manage and monitor people capacity,• Ensure succession planning is implemented and assume a coaching/mentoring role;• Implement specific projects and strategy of policy changes • Oversee credit decisions on discredited and exceptions.Area Credit Management capacity• Ensure and monitor policy compliance to ensure staff operate within guidelines;• Give input and recommend appropriate allocation of mandates to positions/people;• Operate within personal mandate;• Audit and/or waive credit decisions made by Credit Managers up their mandate;• Analyse and investigate high risk accounts;• Prepare regional Credit Reports • Assess and manage excess reports in order to make appropriate decisions in terms of altered risk profile.Operational Credit risk Management• Review of Credit Manager’s full portfolio of reports;• Review daily excess reports;• Monitor area credit portfolio and identify early warning signals in client behaviour, industry or markets that are indicative of change in risk profile;• Ensure appropriate action is taken on early warning signals and trends to ensure risks are mitigated;• Manage covenants (financial and non-financial).Regional Operational Management input• Participate in strategic planning workshops,• Align credit function of the area with the business in region;• Interpret and identify credit specific initiatives based on business strategy and results;• Contribute to business initiatives across functional boundaries;• Provide regional input in terms of relevant industry Show less • Responsible for the regulatory compliance for 23 branches in the Boland Area. • Training of branch staff to adhere to internal policies regarding regulatory compliance ie FICA, FAIS etc• Daily operational management of these offices. • Monthly monitoring of budgets. • Internal audits of branches and liasing with external auditors during audits. Monthly reporting to management. • Resolving of various client complaints\queries.• Managing and control of the budget process of BoE Bank. • Sourcing of all relevant financial data, consolidations and preparing management packs for HO.• Reporting on monthly fluctuations of budget vs actual figures to the executive committee. Assisting in the monthly preparation of the management reports. January 1997 - September 2000BoE Bank (formerly Boland PKS) Regional Office - Port Elizabeth/PaarlPosition Held: Financial ControllerDuties: • Control and monthly preparation of financial statements of 30 branches.• Control of the budget, capex and fixed assets register of the branches.• Monitoring fluctuations on the budgets and reporting on a monthly basis to HO.• Assisting branches with the planning of budgets.• Evaluate branch audits and give assistance with the implementation of internal controls. Evaluation of internal controls during branch visits. • Preparing the budget of the regional office and monthly reporting of fluctuations. Regional Office’s bank reconciliation's and payments of creditors.• Consolidating monthly branch reports into one for a report to HO. • Various tasks as requested by management. Show less

  • Senior Credit Manager

    Sept 2021 - now

  • Area Credit Manager

    Nov 2009 - Aug 2021

  • Credit manager

    Nov 2004 - Oct 2009

  • Compliance\Finance

    Jan 1997 - Oct 2004