Victoria Ndou

Credit Officer Acquisition

Johannesburg, City of Johannesburg Metropolitan MunicipalityMember since February 13, 2026

Excellent communicationWork well under pressurePlanning and organizingResearch and Presentation skillsSelf-motivated and team playerReliableInterpersonal skillsProfessionalism

About

I am a focused, result-driven, self-motivated, and enthusiastic professional. I am eager to exercise the knowledge obtained from my experience and gain technical skills in a challenging work environment while contributing to meet deadlines, and produce deliverables expected of me. I enjoy working with and being part of a successful productive team, but also thrive in individual projects.

More than capable of leading a team and thrive working in high pressure and challenging working environments. Naturally possess excellent interpersonal communication and negotiation skills, manage work relationships well and have the ability to influence decisions.

Experience

Credit Officer Acquisition - Absa Bank To conduct and ensure quality credit management principles within a credit officials mandate level, based on the Group Bank Credit Risk Model. To manage customers' accounts by ensuring the normalization and rehabilitation of account management accounts during the early-stage delinquency cycle. The end-to-end process requires collaboration with various Strategic Business Units (SBUs).

The role has a strong Credit and Risk Management focus specializing in the account management process.

Ensure that the assessment includes a risk, financial and credit worthiness assessment, and feedback to the SBU
Be effective and efficient throughout the application of the assessment process
Utilize the system diary functions to effectively manage risk and prioritize the effective work of accounts
Manage and maintain the existing assigned workflow
Ensure sufficient knowledge of macro and micro economic conditions and industry trends that are distributed via Customer Value Management (CVM), the Bank in-house and media correspondence
Adhere to governance, regulatory and legislative requirements during execution of duties
Adhere to the Bank general and credit specific policies, processes, manuals, circulars, and call scripts
Utilize feedback from Health and Quality checks to demonstrate continuous improvement in quality and efficiency
Feedback and process issues to Team Managers and Credit Lending management
Comply with Service Level Agreements (SLAs) to ensure overall satisfactory service delivery
Provide our internal customers with excellent support
Balance the needs of our customers with the Banks risk appetite
Manage and maintain customer relationships in line with business quality standards
Acknowledge and resolve complaints at first point of contact
Demonstrate the willingness and ability to perform to the best level
Contribute to an environment of mutual support by sharing knowledge with other team members
Play an active role in personal coaching plans
Be part of the solution by identifying challenges and working together with the Team Leader to put appropriate actions in place
Understand and contribute to the unit's reputation, credibility, and viability

Credit Officer - Absa Bank

(2016-04 - 2019-04)

Manage and maintain the existing assigned workflow
Ensure quick and quality credit assessments for the cheque products are made for limit increases, decrease in customer limits where appropriate
Resolve early-stage excess by assessing the customer risk, determining the reason for the excess, and agreeing a solution with the customer
Leverage a portfolio view of the customer through collaboration with other Credit Lending departments as well as Retail Bank Collections
Demonstrate good knowledge of Retail products interact with various and branch networks to help make informed decisions

Credit Assessor - Absa Bank

(2007 - 2016-04)

Conduct an in-depth, specialized and quality credit assessment and risk analysis on potential and existing Absa portfolios, to enhance the decision-making process involved in determining the Bank's appetite to extend credit to these clients Monitor clients' performance for risk indicators.
Monitor adherence of covenants and conditions and discuss deviations.
Create and maintain a detailed due diligence record of the client portfolio's, Adhere to ARMS credit requirements.
Be accountable for overall risk administration process within mandate.
Manage and communicate the risks associated with outstanding securities, identify problematic or high-risk clients and advise Credit accordingly.
Request and manage outstanding Financial Documents.
Explore new, improved, and alternative ways of solutioning client credit requirements.
Adhere to Bank's credit policies and procedures.
Manage and drive deal forum process to ensure quality applications are submitted. Issue facility letters to clients after reviews have been compiled and new facilities granted.
Maintain accurate and up to date credit files and all client related communication.
Identify cross sell opportunities.
Act as a contact for the credit related queries and resolve them timeously.

Customer Service Agent - Woolworths

(2006-04 - 2006-12)