Lebitsi Ntoele

I am a South African admitted attorney of the High court of South Africa, fluent in both English and IsiZulu, with practical experience in Corporate Law as well as Commercial Litigation. My experience is supplemented by my qualifications in a Bachelor of Commerce majoring in Financial Management and Financial Accounting (BCom Law) as well as a Bachelors of Law (LLB) from the University of Pretoria.

Team Leader – Credit Risk & Compliance (Wealth and Investment) at Standard Bank of South Africa (SBSA) (2022-08 – Present)

My key responsibilities in this role include the following non-exhaustive duties:

• Providing bespoke credit risk and compliance function for High Net worth (HNW) customers in South Africa, by understanding their complex financing and investment needs and considering their off-shore investments
• Determining the qualitative and quantitative risk exposure for HNW
• Drafting of standard credit agreements and supporting documentation (where applicable), vetting of counterparty transaction documentation and credit related documentation and verifying conditions of approval documentation
• Ensuring effective execution of credit risk strategy and framework, aligned to business specific requirements, in line with risk appetite statement and business policy
• Continuous analysis and recommendation of improvements in relation to the credit risk management framework, processes, systems and business risk guidelines
• Plan for audits and reviews
• Ensure remedial actions are taken on all audits and credit review findings
• Be part of strategic project management as a subject matter expert
• Assist Business in solutioning the implementation and draw down of deals
• Add value to HMW Clients by delivering prompt, efficient and professional compliance management service
• Ensure compliance with credit policies/legislation for HNW clients
• Engage with business partners by providing strategic input and insight from a risk perspective, to assist business partners when formulating their tactics
• Maintain a high quality-lending book, through the judicious and effective management thereof
• Ensure regulatory compliance including monitoring compliance with laws, regulations and supervisory requirements, creating awareness amongst staff of relevant legislation and reporting any breaches and exposures
• Monitor information technology and internal processes within agreed budgets and monitor performance against the budget on a monthly basis
• People management; as well as
• Stakeholder engagement/management

Legal Advisor – Wholesale and Microfinance Lending at Small Enterprise Finance Agency (SEFA) (2020-05 – 2022-07)

I was responsible for and performed the following list of non-exhaustive duties:

• Legal drafting, vetting and review of commercial agreements, including but not limited to security agreements, loan agreements and facility letters
• Conducting legal due diligence investigations
• Provision of legal opinions for all commercial transactions for submission to relevant committees for consideration and approval
• Undertaking complex research and drafting legally compliant opinions
• Consultations with internal and external clients regarding negotiating of contractual terms in conjunction in support of the relevant Business Unit and/or representative
• Negotiation of settlements with clients
• Ensure that legal risks are assessed, managed and/or mitigated in all transactions to ensure that SEFA's exposure is managed
• Assist with advice at Risk related forums, as and when required
• Conducting of legal due diligence investigations on behalf sefa's Credit Guarantee and Portfolio Indemnity Cover subsidiary, Khula Credit Guarantee ("KCG")
• Provision of legal opinions for all Credit Guarantee and Portfolio Indemnity transactions for submission to relevant committees for consideration and approval
• Drafting and vetting of legal agreements and accompanying documentation relevant to approved facilities
• Ad hoc provision of legal research and advice for matters related to and required by KCG and its clients
• Provide and supply legal direction and advice that considers prevailing legal prescripts and ensure that decisions are taken within the relevant legislative parameters
• Assist in the enforcement of legislative compliance

Founder • Director at Neema L Creations (2018-09 – Present)

Responsible for the coordination of various events for small to medium corporate entities. I assist with ensuring the client's vision is executed effectively.

Tax Attorney at Tax Consulting South Africa (2018-07 – 2018-09)

I was responsible for the provision of legal memorandums in relation to a client's legal taxation needs.

Retained Candidate Attorney at Strauss Daly Incorporated (2018-03 – 2018-06)

I continued with expanded responsibilities in the role listed below.

Candidate Attorney at Strauss Daly Incorporated (2017-02 – 2018-02)

Gained practical experience in the following legal departments:

• Corporate Advisory and Forensics Department: Supply Chain Management and the practical working of the Preferential Procurement Policy Framework Act
• Collections Department: Debt Collection on behalf of financial services providers
• Commercial Litigation: Drafting of legal documents, appearing in magistrate courts, preparation of court documents for trial, consulting with clients, Liquidations and Sequestrations, Family and Divorce matters

Co-Founder • Head of Marketing and Logistics at "Taste It" Events (2011-02 – 2017-02)

Responsible for liaising with clients and marketing the company and the service we provided.

Certificate in Middle Management Course – Standard Bank South Africa (2023-10 – 2023-11)

Certificate in The Law of Banking and Finance – University of Witwatersrand – Mandela Institute (2022 – 2022)

Bachelor of Laws in Postgraduate Degree – University of Pretoria (2013 – 2015)

Certificate in Practical Legal Training – University of Pretoria School of Law

Bachelor of Commerce in Law in Financial Accounting and Financial Management – University of Pretoria (2010 – 2013)

National Senior Certificate – St Peter's College, Sunninghill, Johannesburg (2005 – 2009)