Thabang Gregory Rammutla

Results-driven Credit Analyst with over one year of hands-on experience assessing and evaluating credit applications, identifying and mitigating risk, and making informed credit decisions within commercial and SME lending environments.

At Wetility

Energy, I conduct end-to-end credit underwriting — analysing bank statements, management accounts, income statements, and balance sheets, performing qualitative and quantitative assessments, and preparing detailed credit recommendations for management review. My internship at TotalEnergies provided strong exposure to portfolio management (R3B+ book value), credit risk governance, and stakeholder engagement. I am proficient in advanced Excel, experienced with CRM and ERP platforms (Microsoft Dynamics 365, SAP), and highly attentive to early warning indicators and emerging risk trends.

I bring strong analytical thinking, sound judgment, and the ability to work both independently and collaboratively across departments.

Credit Analyst at Wetility Energy (2025-07 – Present)

• Assess and evaluate credit applications for commercial SME lessees — analysing bank statements, management accounts, income statements, balance sheets, and credit bureau reports to make informed credit decisions within delegated authority limits.
• Conduct both qualitative and quantitative assessments of applicants, identifying potential risks, trends, and mitigating factors associated with lending opportunities.
• Prepare detailed credit recommendations and approval documentation for management and Credit Team review, ensuring submissions are complete, accurate, and commercially sound.
• Verify and cross-validate financial information, flagging anomalies, inconsistencies, and potential fraud indicators for further investigation.
• Ensure compliance with internal credit policies, governance standards, and risk frameworks across all credit decisions.
• Work closely with sales and operational teams to structure commercially viable transactions and ensure complete deal submissions.
• Draft Personal Guarantor Agreements for high-risk accounts, reviewing personal statements of assets and liabilities and verifying client-provided values.
• Monitor existing exposures for signs of deterioration, emerging risks, and adverse trends through periodic financial reviews.
• Maintain accurate deal records and customer information within Microsoft Dynamics 365 throughout the application lifecycle.
• Collaborate cross-functionally with sales, finance, operations, and legal teams to support smooth credit processes and recommend risk mitigation strategies.

Credit Risk Intern at TotalEnergies Marketing South Africa (2024-08 – 2025-07)

Graduate Internship

• Assessed and evaluated credit applications for new commercial customers, conducting risk assessments using internal and external data sources prior to initiating any business relationship.
• Evaluated and drafted comprehensive credit memos covering financial analysis, external credit ratings, payment terms, client activities, and overall creditworthiness for senior credit decision-makers.
• Conducted periodic risk assessment reviews of existing customers in line with the company's Credit Risk Policy, identifying early warning indicators and concerns over financial health.
• Assisted in managing a commercial portfolio with a book value exceeding R3 Billion, maintaining accurate credit records, monitoring exposures, and ensuring timely account reviews.
• Compiled Key Priority Controls (KPC) reporting using SAP data and completed Credit Committee Meeting (CCM) minutes, contributing to governance and compliance accuracy.
• Applied for CGIC credit insurance cover via Cregalink, managing recourse structures and protecting the company against customer non-payment risk.
• Participated in portfolio reviews, trend analyses, and risk assessment initiatives, contributing to the enhancement of credit processes and decision-making tools.
• Acted as a trusted advisor to internal stakeholders on credit risk processes, facilitating cross-departmental collaboration and improving credit assessment procedures.

BCom Honours in Financial Management – University of South Africa (UNISA) (2025-02)

Bachelor of Commerce in Accounting – Eduvos (2021-03 – 2023-12)

National Senior Certificate (NSC) – Norkem Park High School (2016-01 – 2020-12)