Nosihle Masophi

I hold a Post Graduate Diploma in Business Administration, a Bachelor of Commerce degree, RE05 and a Certificate in Banking Services and Advice. I worked for SBSA from May 2008 until Feb 2025 (17 years, 3 months), held various positions in sales and relationship management. I now ran my own business in the name of The Residents Butchery Pty Ltd wherein im the director, oversieeng the day to day operations, managing staff, finance and stakeholders.

My business banking journery began in 2015 wherein I joined the SE team as a Business Banker, I then got an opportunity to move to an Account Analyst Position in 2019. In 2020 I moved to the Commercial Banking segment as a Portfio Manager, that was very exciting I enjoyed my role. In 2021 to 2023, I held the position as an Account Executive/ Relationship Manager Business and Commercial Clients -Agribusiness until Aug 2023 wherein I took up an Analyst Credit Premium Agribusiness as I became more interested in structuring deals, carrying out comprehensive and quality credit risk function.

Director at The Residents Butchery Pty Ltd (2024 – Present)

I now run my own businesses, I own a butchery in the name of The Residents Butchery Pty Ltd which has been operating for just over a year now turning over +R1m, and have completed residential rental property consisting of 25 units ranging from bachelor units, One bedrooms and 2 bedrooms. I have established a great team trained them on customer service, customer centricity and intergrity.

• Overseeing day to day operations
• Managing staff
• Managing finance and stakeholders

Analyst Credit Support- Premium Agribusiness at Standard Bank (2023-08 – 2025-02)

• Provide effective credit analysis and makes recommendations to inform the deal-making process
• Participate in deal flows by contributing to, among others, the drafting of acceptable terms and conditions (term sheets) for the credit, and by acting as an advisor to the business line
• Utilise industry risk analysis available to identify and understand the contextual threats to existing and potential clients
• Evaluate whether proposals business credit facilitate including terms or conditions of facilities
• Prepare credit applications providing sound financial and business justification for deals/proposals within acceptable risk parameters relative to the profitability
• Facilitate the end-to-end lending and restructuring process assuring responsible service and quality
• Contribute to the success of the front office by being commercially aware, providing the necessary insights participating in deal making meetings/ forums, managing credit risk and cost efficiencies

Account Executive/ Relationship Manager at Standard Bank (2021-03 – 2023-07)

To grow and retain a portfolio of high value Agricultural Business Segment relationships by performing pro-active, mobile, value adding financial partnership role. I managed a portfolio of Agribusiness in Limpopo for a 12-month period (2021 March to 2022 March) and then transitioned to a pure Business portfolio in Gauteng, Tshwane North BC, I am now based in Pietermaritzburg managing an agricultural portfolio.

• Cold calling, networking, proposal generation, negotiating with other business partners, presenting proposals, and generating referral business
• Ensure optimal interrogation of portfolio, mining the portfolio using the Eco system methodology

Portfolio Manager at Standard Bank (2020-08 – 2021-02)

• Engaging with clients as part of the front line
• Providing an overall credit origination and risk management function on the portfolio
• Taking accountability for sound portfolio management and ensuring sales opportunities are leveraged
• Coordinating the Eco System model within the portfolio through control and stakeholder engagement

Account Analyst – Business Banking at Standard Bank (2019-08 – 2020-07)

• Credit facilities management, ensuring portfolio growth by getting new business on an ongoing basis, interrogating a portfolio and at review applications
• Reviewing and renewing credit facilities
• Managing pre and post approval caveats
• Identifying portfolio growth opportunities during review
• Interviews
• Analyzing client's Annual Financials, Cash Flows and Budgets
• Ensuring profitability and business continuity

Business Banker at Standard Bank (2015-03 – 2019-07)

• Relationship management, Client retention and portfolio growth
• Making decisions within general precedents and closely defined policies
• Problem solving: Analyzing and interprets broad business and credit risk information and financial accounting information
• Planning: Establish, priorities and co-ordinate own task and actions plan to ensure that work is completed efficiently
• Providing basic to complex Business Banking offerings
• Driving transaction led- customer acquisition
• Customer experience: execute contact management strategy
• Interact with customers and conduct needs analysis
• Portfolio management: Contact customers to arrange appointments and discuss sales opportunities
• Economic Profit: Responsible for the achievement of sales and financial budgets through optimal growth of balances and revenue streams, effectively manage revenue collection

Sales Consultant at Standard Bank (Merchant Services Division) (2012-02 – 2015-02)

• Selling Point of Sale devices and Cash Solutions to SBSA and Non SBSA clients
• Pro-active selling, hunting in packs with the business banking team

Sales Consultant at Standard Bank (2008-05 – 2012-01)

• Selling of transactional products, Credit Cards, and Insurance products

Sales Consultant at Kelly Staffing Solutions (Contracted to Standard Bank) (2007-03 – 2008-05)

• Selling of transactional products, Credit Cards, and Insurance products

Post Graduate Diploma in Business Administration – UNISA Graduate School of Business and Leadership (2021)

Bachelor of Commerce in General – Milpark Business School (2019)

National Certificate in Banking Services Advice – Milpark Business School (2018)

Certificate in RE 05 – Moonstone (2017)

Diploma in Accountancy – Vaal University of Technology (2005 – 2007)

Matric – Khanya Naledi Combined School (2004)