Experience

• 

  Uitravathie pty ltd t/a chesa nyama franchise

  Jun 2013 - Dec 2016

  Head of operations and marketing
• 

  Fnb south africa

  Dec 2016 - now

  • Assessed salaried individuals loan decision activities to remain compliant with regulations and the National Credit Act.• Compiled financial information for customers and evaluated credit risk and maintained a B+ (risk factor) Mandate.• Oversaw internal controls, set up systems and enforced policies to keep operations fully compliant with applicable regulations.• Developed and implemented plans to improve financial reporting, increasing data efficiency, transparency, and accuracy.• Managed company risk by assessing applications to accurately determine customers' creditworthiness. Show less • Identified risk factors of individual customers through an in-depth review of credit histories and financial statements.• Identified issues and implemented prompt and successful solutions to eliminate backlog and maximize workflows.• Analyzed credit data and financial statements to determine the degree of risk involved in extending credit or lending money.• Submitted applications to loan committees, finalizing each with credit analyses and summaries of loan requests.• Resolved complaints, verified transactions and maximized satisfaction through successful customer consultations. Show less • Offered clients strategic advice across multiple financial products and services, including debt management, insurance coverage, and investments.• Increased investments with polished talks to current and potential clients, skillfully highlighting performance statistics and risk mitigation strategies, managing a multi-million rand portfolio• Stayed on top of industry trends, proactively evaluating new product development and potential market impacts.• Fostered continuous client satisfaction and proactive handling of engagements by anticipating client needs.• Furthered portfolio and business success through collaboration across credit fiduciary, and insurance teams Show less • Responsible for portfolio management and managing client service proactively and reactively.• Offer the role of Private Banker Analyst, whilst financing personal and fixed assets and advising clients on financial investments.• Acquiring new clients, handling credit management, sales, advising on products and conducting product training and facilitation on new products.• Cross selling to our client, new products that has been introduced to the market.• Provide banking advice regarding Retirement Planning as well as referrals to our Wealth Managers and Financial Planners.• Escalate to manager any credit issues with products/processes/standards. • Achieve performance targets, customer satisfaction and data quality in line with performance scorecard• Provide proactive advice to clients and refer to specialists as and when required• Fulfill sales of accredited products for clients• Sound Portfolio management and optimizing the true potential of a portfolio• Assist in offering the client advice through various channels• Provide banking advice regarding Retirement Planning as well as referrals to our Wealth Managers and Financial Planners• Capturing lending deals, from Pyramid to eCFA• Opening accounts on Apex: Spousal offering, investment accounts, credit cards, FNB• Meeting with clients, ensuring they are entrench with the correct products and insure client embraces our FNB provide wealth Private wealth offering. Show less • Rescued accounts receivable delinquency with good customer relations skills and expert knowledge of available payment options.• Prevented balances from exceeding limits with knowledgeable recommendations on needed increases to customers' limits.• Handled administrative tasks expertly, including updating accounts and producing professional business correspondence.• Consulted compassionately with customers to understand reasons for delinquency and develop collaborative payment solutions.• Helped attorneys pursue collection through the courts by collecting and transferring customer records. Show less

  • Credit Manager

    Sept 2021 - now

  • Credit Analyst

    Apr 2019 - Sept 2021

  • PRIVATE BANKING ANALYST

    Mar 2018 - Mar 2019

  • PRIVATE BANKING ANALYST

    Sept 2017 - Mar 2018

  • Credit Analyst -Risk and compliance

    Dec 2016 - Dec 2017