Lydia Khoza

Experience

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  Standard Bank

  Jan 1996 - Apr 2009

  Various Posts

  TellerEnquiries ClerkATM CustodianAsset CustodianAccount Support OfficerReceptionist, Customer InformationConsultant, Communication Officer and Enquiry ClerkFrontlineTransaction Risk OfficerAccount Support Officer

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  Standard Bank Group

  Apr 2007 - Apr 2010

  Business Manager

  Explain, promote, sell and/ or customise a range of appropriate Standard Bank product offerings/financial solutions that meet the financial needs of small and medium enterprise customers.Key Responsibilities:Profitable growth in salesLending Support and Risk ManagementPeople ManagementLegislative Compliance

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  Nedbank

  Dec 2009 - now

  Prepare credit applications / reviews initiated by the BM and to make recommendations to the CMPrepare excess reports initiated by the BMPrepare approval cover sheet for decisions made for facilities over R5 million and send to the Buscram secretary for incorporation into the credit minutesAssist the CM in the preparation of handover reports to the Risk Team Quality and completeness of application Quality of recommendations Turnaround times Internal Process Read and interpret financial statementsKeep abreast of changes in GAAP and IFRS and impact on interpretation of financial statementsInput financial data into our financial analysis spread (e.g. Moody’s)Highlight aspects that BM needs to cover after doing the financial analysisCapture PD model (Basel MMRT)Prepare cashflow projections from financial information provided by the clientAssess / Review Debtor Analysis prepared by the Administrator CreditIndustry AnalysisMonitor local / global economic trendsAdapt learnings from Post Morterms in analysis Show less

  • Credit Manager

    Dec 2015 - now

  • Credit Analyst

    Dec 2009 - Dec 2015