Open to work
Temporary Career Break at Self (2024-08 – Present)
The temporary career break was focused on personal development, family care, personal interests, and property management.
Business Analyst at Standard Bank (2019-01 – 2024-08)
Business development for investment opportunities and ROI, credit analysis, sales support, and stakeholder management.
- Business development for investment opportunities and ROI, drafted comprehensive Business case documents, and proposed recommendations for Vehicle-Asset Finance – Vehicle Wholesale finance floor-planning, Commercial asset finance, Trade finance solutions. Desirability and feasibility testing. Draft, review, and analysis of financial agreements and manufacturer contracts. Conducted research methodologies to gather product, competitor, and market insights, and define business requirements.
- Credit analysis and affordability assessment. Document and risk control, management, and analysis. New business origination and onboarding. Ongoing credit management.
- Sales support, administration, onboarding and off-boarding. Ongoing business development and deal-making.
- Partnered with Stakeholders, built strong relationships with customers and stakeholders, driving collaboration and trust. Drive and champion sales support and targets
- Conducted risk measurement, mitigation, and compliance of internal and external processes and policies. Consolidate management information and reports.
- Report writing.
- Enhanced processes for operational improvement and positive customer experience and satisfaction.
- Performed analysis of business financial and budget statements, debtors, and creditors.
Credit Analyst at FNB (2017-05 – 2019-01)
Credit analysis, watchlist management, compliance and risk monitoring, fee management, and account investigations.
- Prepared comprehensive, integrated high-risk handover reports addressing potential risks and implementation plans for the risk committee.
- Watchlist management and enhanced due diligence of watchlist accounts, and addressed trigger-downgraded accounts to mitigate further default risk.
- Compliance and risk monitoring, implementing regulatory changes as needed.
- Fee management - collected, reviewed, and managed excess fees, limit changes, and other financial transactions.
- Office and general administration, and daily operational tasks
- Investigation and oversight of internal controls, ensuring compliance with legislation and audit processes.
- Problem-solving and conducting account investigations by identifying, addressing, and resolving account anomalies and issues to reduce delinquency rates and write-offs.
Credit Analyst at Nedbank (2012-10 – 2015-03)
Credit risk assessment, supplier and dealership documentation processing, transaction validation, and counterpart risk management.
- Accurately process supplier and dealership documentation to support credit risk assessment.
- Ensure supplier obligations align with orders, contracts, delivery notes, and franchise and non-franchise legal agreements.
- Validate and reconcile customer and supplier transactions against contractual terms and delivery evidence to prevent payment risk and exposure.
- Managing counterpart risk by maintaining debtor and creditor accounts, follow-ups on unpaid invoices, and overdue accounts to reduce bad debt exposure.
- Detect and mitigate fraud and payment errors by ensuring timely expense recognition and reducing credit provisioning distortions.
- Investigate, resolve, and maintain account anomalies promptly, pricing and debt-restructuring, reduce credit holds, maintain customer and supplier credit terms, account receivable and payable provision recommendations, and protect customer and supplier relationships.
- Maintain accurate transactions, and banking documentation records for audit reporting, enabling accurate liquidity and tracking exposure for credit control.
- AFS analysis, cash flow forecasting and working capital management.
- Collaborate with Stakeholders. Partner and maintain customer and supplier relationships
- Complete Business Area discrepancies and month-end reporting, and provide credit-relevant trade data for analysis.
Securities Administrator at Nedbank (2008-06 – 2012-09)
Collateral and file management, loan account recovery monitoring, and guarantee document administration.
- Collateral and file management of surrendered policies, investments, and financial write-offs.
- Monitored recoveries of called-up loan accounts and retrieval of outstanding amounts.
- Administration and dispatch of guarantee documents to Legal departments. Attended to updated homeowner's covers and ceded policies for all loan accounts.
- Issued cancellation letters and followed up on outstanding securities/collateral, addressing queries and ensuring prompt resolution.
