Manager at AM Paints (Family Business) (2024-11 – Present)
Manages all aspects of family paint business operations including financial management, operations, inventory, marketing, sales, customer service, human resources, and strategic planning.
- Oversees Budget and manages the business cash flow with financial controls to mitigate risks
- Manages day to day operations, including sourcing and managing of stock
- Develops and implements marketing strategies to drive business revenues and expand clientele
- Ensures quality customer service delivery
- Handles hiring and training of employees to ensure highest productivity
- Provides strategic planning for business long term growth
Investment Associate - Post Investment Unit at National Empowerment Fund (2013-04 – 2024-10)
Conducted site visits, prepared investment review reports, monitored covenants, and managed investment files with focus on financial analysis and credit control interventions.
- Conducted site visits to all assigned clients
- Prepared and updated monthly Investment Review Reports
- Monitored all covenants on all investments and initiated appropriate action timeously
- Ensured disbursement and live monitoring files were maintained with controlled access
- Implemented effective feedback system between POIA, NEF appointed Directors, mentors, and Post Investment Unit
- Obtained monthly management accounts and conducted financial analysis
- Ensured proactive and effective monthly credit control interventions
- Worked closely with Legal Department on litigation and work-out matters
Regional Manager - Limpopo Region at National Empowerment Fund (2023-08 – 2024-03)
Managed portfolio growth and BBBEE advancement, focused on maximizing empowerment dividend through job creation and women participation, maintaining financial efficiency and sustainability.
- Advanced BBBEE management through deal activity and portfolio growth
- Conducted business development initiatives
- Maximized empowerment dividend through job creation, women participation and geographical spread
- Invested in Black empowered businesses with high employment creating opportunities
- Maintained impairments to minimum and collections at maximum
- Maintained intended ROI and limited portfolio risk exposure
- Conducted monthly site visits and prepared reports to approval committee
- Performed security valuation for all clients
- Managed stakeholder and client relationships
Portfolio Analyst - Post Investment Unit at National Empowerment Fund (2008-07 – 2013-03)
Prepared detailed quarterly and monthly reports, compiled portfolio risk analysis, monitored impairment and risk ratings, and ensured integrity of POIU tools and systems.
- Prepared detailed POIU Quarterly Reports for RMC and DTI
- Prepared statistical data and reports timeously for internal and external stakeholders quarterly
- Prepared and updated detailed monthly reporting and dashboard for POIM
- Compiled Portfolio Risk Analysis report providing qualitative analysis
- Analysis and monitoring of impairment, risk ratings and write offs
- Ensured investments over BIC limits were reported monthly to EXCO and Board
- Performed credit control analysis including ratio and presentation analysis
- Reviewed and presented Empowerment Dividend model as required
- Tracked and monitored trends in risk rating on individual POIAs and total portfolio
- Tracked and monitored changes to LMS and CRM systems
- Monitored lessons learnt portal quarterly and drove POIA and POIM presentations
- Performed liaison role between POIU and other units
- Ensured all key POIU tools were structured and functioning on CRM system
- Provided formal CRM system training to POIU members
- Ensured ongoing system integrity and quality of data and reports
Credit Analyst at Industrial Development Corporation (IDC) (2007-07 – 2008-06)
Responsible for financial statement capture, client rating, loan and equity pricing, credit checks, and supporting risk management and compliance operations.
- Captured client Financial Statements in Moody's KMV Risk Analyst system
- Rated clients through Risk Analyst system and Moody's KMV Riskcalc model
- Obtained requisite reports from Risk Analyst and Moody's KMV systems
- Priced Loans and Equity transactions in the pricing system
- Obtained credit checks from Credit Inform system on companies and directors
- Assisted Operational Risk, Compliance and Market Risk units in day to day operations
- Assisted Credit Risk Managers with risk commentary for clients
