Fireal Karbelkar

Experience

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  Stuttafords

  Oct 1998 - Sept 2001

  Credit Controller & Accounts Clerk (Casual)

  Customer ServiceAccount queries & complaintsArranging payment plans for arrear customersBlacklisting defaulted customers

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  International Colleges Group

  Jan 2002 - Mar 2002

  Clerk (3 month In-service)

  Perform small auditsDesigned & implemented an asset list databaseResponsible for migration of data from Excel to newly designed Access databaseCompiled a user manual for database

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  Theewaterskloof Municipality

  May 2004 - Aug 2005

  Financial Management Intern

  Collecting & analysing data regarding monthly usage of services provided to debtorsReporting on monthly variances of user consumptionAssisted with the monthly financial reports in accordance with MFMA within specified time frames to council which includes:Debtors Payment percentageIncome and Expenditure ReportBank ReconciliationFree Basic Services ReportAge Analysis of DebtorsReconciling Housing income and expenditure

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  Nedbank Business Banking

  Aug 2005 - Apr 2010

  Credit Analyst

  Preparing credit application and reviewsFinancial and debtor age analysisAdministration – Facility letters and security documents

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  Nedbank, Business Banking

  May 2010 - Sept 2015

  Credit Risk Analyst

  Manage a portfolio of clients including client visits, monitor of accounts and report monthly on client progress. Compile applications & reviews which include discussing background of client, commenting on financial position, needs of client, serviceability, quality of security in terms of mitigating risk. Either approve/decline if within mandate or add recommendation for one up to approve/decline.Manage specific, portfolio and IAS39 impairments within own portfolioCompile IAS39 impairment report for Cape Business Unit on a monthly basis and submit timeously.Administration – preparing facility letters and security documents. Issueing letters of demands where clients default. Ad hoc queries. Ensure compliance with applicable statutory regulations example NCA, Basel II and Company’s Act. Update security values monthly and ensure legal validity of security held.Regular liaison and communication with legal recoveries department Act timeously to ensure minimal loss to Bank. Show less

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  FirstRand group

  Oct 2015 - now

  Account executive analyst

  I work together with an account executive to manage a portfolio of clients in the Mid Corporate segment. Provide for client's service needs. Prepare renewal of credit limits and new applications.