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.
