Vishanth Shrikumar

Experience

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  Bizworks

  May 2009 - Feb 2010

  Credit Control Analyst

  -Credit Control for a UK Broadband company-Dealing with customer queries and billing issues, including telephonic and e-mail resolution-Building and maintenance of customer relationships-Customer retention-Upgrading / Selling broadband packages-Processing administration requests for customers eg. procurement-Other duties:-Assistance in the HR department with sorting and screening CV’s-Marking tests for first level screening of the interview process

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  Rotran (Division of Eskom)

  Jun 2010 - Sept 2010

  Administrator (Government Position)

  -Overseeing logistics for Eskom-Liaising with Transporters (Owners of trucks which transport coal from Mines to PowerStation’s).-Conducting vehicle changes. Attending Transporter meetings in Mpumalanga-Compiling Safety, Speeding, and Performance reports on Transporters-Ensuring Transporters can access LIP (Logistics Information Platform), and that active vehicles are entered on LIP-Compiling reports on an ongoing basis for the Legal Department of Eskom

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  ABSA Wealth (Member of Barclays)

  Sept 2010 - Feb 2011

  Assistant Project Manager

  Assistant to the National Project ManagerAssisting in the migration of clients from ABSA Wealth to different departments within ABSAEnsuring that client documents are scanned correctly and captured on the system.Distributing documents to the relevant departments within ABSAExtracting files for Auditors, Creating barcodes, Scanning documentsConducting file checks to ensure all client information is present in their respective files.Working according to different TaxonomiesPlanning timescales and the resources needed.Liaising with staff at all levels within the bank.Also assisted in the Operations Department. Validating and approving clientpayments and transfers throughout the country Show less

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  FNB Corporate & Investment Banking

  Feb 2011 - Mar 2015

  • Analyze credit data to estimate degree of risk in extending credit or lending Money in support of a broader client relationship.• BusinessSegment: R10 – R60million and R60 – R150million. • Year on year revenue growth vs budget for team Portfolio • Managing a business portfolio of +- 250 clients• Achieving the delivery of exceptional client experience against the Balanced Scorecards Standards• Assisting clients with their cash flow.• Manage the growth of active client account base to increase client base• Maximize Business Portfolio cross sell opportunities and strengthen client relationships• Meeting with clients to determine their requirements.• Clarifying the clients systems specifications, understanding their work practices and the nature of their business.• Convert identified leads into successful sales. Achieve individual targets as set according to appropriate business area or sales plan• Comply with governance in terms of legislative and audit requirements• Manage the % of facility documents outstanding in excess of 60 days after renewal and ensuring that expired limits are attended too promptly for Credit Review• Networking well with other product houses within FNB to improve on turn around times and SLA's• Providing clients with advice, guidance, and support with regards to which FNB products would best suit their business requirements after understanding their business needs.• Writing Credit Applications for new and existing clients for various FNB products such as Overdrafts, Commercial Property Finance, Forex, Debtor Finance, Business Credit Cards, Online Facilities, Collateral Trade Finance, etc..• Assessing and understanding my clients financial statements • Client visits to sign Facility letters, Suretyships and other documents, and also to address their concerns or any issues, or any additional business needs. Show less Client Administrator :• Managing client facilities between R2mill – R230mill• Checking & signing offers, draw requests, and journals. Authorizing offers (invoicing, credit notes, and journals). Updating mandates.• Pricing queries (Interest and Management Fees)• Processing of interest and journals for medium corporate and business clients. • General client queries – availability calculation, explaining of ineligibles (non-fundable debtors) and non debtor funds• Ensuring clients with facilities are given maximum availability at all times• Assessing and Analyzing when clients might have Cash Flow trouble, depending on their industry and external factors. Analyzing company trends.Portfolio Manager :• Managing a team which consists of three Client Administrators.• Overseeing and managing the operations of my regions (Gauteng East and South West), which includes 64 clients and 76 ledgers.• Conducting monthly PMSA meetings. Checking and Signing off on Renewals, Extensions of facilities, Temp Excesses, and Credit Applications• Handling all client queries for my regions which get escalated to me• Conducting training. Managing the expectations of internal and external stakeholders. Performance Reviews/Appraisals with staff.• Loading limits, increase or decrease in facilities. Stock and O/D facilities.• Attending KRI (Key Risk Indicator) meetings, and reporting on it.• Commenting, reporting, and following up on Expired Limits.• Updating information on SharePoint. Monthly Dashboards. Pricing queries.• Daily and Monthly Deadlines promptly met. Assessing Financials• Being proactive with regards to clients and internal stakeholders• Attending, Structuring, and preparing for Planning meetings.• Controlling and Monitoring the inflow of work, by distributing work accordingly to maximize client satisfaction and improve on turnaround times• Ensuring the smooth running of the Operations Department Show less

  • Relationship Analyst & Client Portfolio Analyst at FNB Business

    Dec 2013 - Mar 2015

  • Client Administrator and Portfolio Manager at FNB Business

    Feb 2011 - Dec 2013
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  FNB Premium Private Clients

  Mar 2015 - Sept 2017

  Private Banker (High Income)

  • Achieve sales targets by growing a portfolio of existing clients and by acquiring new clients• Managing a portfolio of more than 500 clients which consists of both employed and self-employed individuals, all of which earn more than R1 100 000 per annum• Client visits for existing clients in my portfolio if a need arises• Client visits for potential new to bank clients (New Business)• Creating wealth for my high net worth client base• Dealing mostly with clients that have a net asset value (NAV) of between R5mill – R20mill• Working closely with Wealth Managers to ensure we grow our clients assets by creating wealth in line with their needs and requirements• Selling the FNB Horizon Series (Unit Trusts)• Understanding and assessing my clients personal balance sheet• Assisting clients with any credit requirements, Investment options, Forex, Structured Lending, or any queries that they might have on their accounts • Identify solutions to increase cost effectiveness and enhance operational efficiencies• Successfully execute relevant objectives for client campaigns and initiatives• Deliver exceptional service that exceeds clients expectations through proactive, innovative and helpful engagements• Manage existing client portfolio through exceptional service delivery, maintaining client contact to retain and grow client base• Analyze clients current products and ensure that FNB is the clients primary banking institution through identification of all aspects of the clients balance sheet• Proactively maximize cross selling opportunities through all forms of client engagement while on the process of servicing clients• Drive retention of clients through active client engagement and identification of opportunities to ensure client account activity• Convert leads to successful sales. Achieve individual targets set to appropriate business area Show less

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  Merchant West

  Sept 2017 - Jun 2019

  Senior Business Development Officer at Merchant West Limited

  • Deal Maker at a Listed Company doing Specialized Finance• Main client base are Small to Medium enterprises (SME’s), as well as corporates.• Sourcing new clients for Trade Finance, Debtor Finance, Asset Finance, & Forex • Servicing & maintaining existing relationships• Assisting clients nationally • Strong Networking, internally and externally• Writing credit applications & presenting credit applications• Two dedicated Credit Analysts are available to assist with my Deals / Applications• Drafting Legal/Security Documents, & getting them signed with clients• Drafting Term Sheets / Offer Letters• Understanding different Trade Finance structures & processes for the Importation Leg on a deal by deal basis. Timelines ; Payment Terms ; INCO Terms, etc…• Evaluating & analyzing the client’s debtors book• Determining the client’s pricing structure• Client visits for new potential clients• Client visits for existing clients• Cross selling to our existing Asset Finance, Forex, & Working Capital client base • Presenting our value proposition & proposals to clients• Cash Flow modelling and Deal Structuring• Credit Risk Analysis• Assisting clients with their cash flow and working capital requirements.• Understand the client’s business model, requirements, and needs• Assisting in the renewal of facilities• Understanding credit procedures and policies• Sitting on the panel for final credit approval• Visiting client’s business premises to have first-hand knowledge and sight of the clients stock/warehouse and business operations. Site Visits.• Identifying business trends to tailor make a solution for the client on a deal by deal basis.• Presenting Deals & Motivating at Credit Committee meetings for the Approval of deals.• Exposure to Commercial Asset Based Finance, Term Loan Finance, Forward Exchange Contracts (FEC’s), Letters of Credit (LC’s), and Guarantees Show less

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  Sasfin

  Jun 2019 - Oct 2022

  Account Executive at Sasfin Bank

  • To acquire new business for Trade and Debtor (Receivables) Finance as a Deal Maker, while effectively managing the client relationship and credit risk on an on-going basis• Develop a sales strategy in conjunction with senior management, ensuring financial targets are achieved and a high level of engagement is provided to prospective/existing clients.• Create and maintain appropriate internal and external networks to generate a strong flow of new business and create a visible presence for Sasfin in the market place. • Use your strong understanding of business and the industries in which our target customers operate to provide unrivalled service and solutions for their needs, while effectively managing the credit risk to the bank. • Maintain a pipeline of new business.• Ownership of the client application process from start to finish.• Assess financial information and put together credit applications for new deals.• To be the primary contact point for new/existing clients • Contribute to the formulation of a strategy for Business Finance and be measured on the execution thereof. • On-going management of the credit risk and manage all excesses and unpaid bills. • Accountable for sales and revenue targets. • Cross sell the Bank’s products/services. • Staying abreast of market and economic trends. • Deliver internal and external presentations to clients and other relevant parties.• Adhere to the vision, mission, and code of ethics and policies of the Division. Show less

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  Access Bank South Africa

  Oct 2022 - Feb 2024

  Manager: Corporate Trade Sales

  • To solution clients with Access Bank's Trade Finance products and services – Revenue Generator• Actively identify and win new trade business working with the relationship teams.• Actively contributing to the conclusion of Trade and Debtor (Receivables) Finance deals• Work with operations team to ensure quick and efficient implement trade finance transactions• Support the Head of Trade Finance with implementing the Bank’s strategy for deepening Trade market share and revenue verticals.• Implement customers acquisition and retention strategies. • Provide advisory services to the Strategic business units.• Assisting in Inter-Africa Trade initiatives • Chairing sales meetings. Presenting deals up to board level. Show less

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  Nedbank

  Feb 2024 - now

  Relationship Manager : Global Trade (Commercial Banking)

  As a Relationship Manager in Global Trade for a global bank, I manage a large Commercial Banking portfolio, and focus on business origination together with relationship management. Maintaining appropriate internal and external networks to generate a strong flow of new business and create a visible presence for Nedbank in the marketplace.With a strong understanding of business and the industries in which our target customers operate I am driven to provide unrivalled service and solutions for their needs, while effectively managing the credit risk to the Bank, acting as a Deal Maker.Staying abreast of market and economic trends, I support Business Managers, and all steps of the client application process from start to finish, assessing financial information and putting together credit applications for new deals.Dealing with clients whose annual turnover is up to a few billion rand, and liaising with company decision makers. Show less