Mrs Caressa Perumal

• Source and market new business, Identify new Property Investors, Participate in external client forums, Networking, to achieve agreed budgets from new business and existing clients, to manage and monitor a portfolio of high net worth clients in Retail Business Bank – Coastal and select clients in Corporate Banking, to structure transactions appropriately by balancing risk, rewards and manage credit application process in a timely and efficient manner, manage high risk accounts and ensure no impairments, to ensure annual reviews are done on existing property portfolios by evaluating leases and noting vacancies, building conditions and breaches, inspect properties and comment on suitability of properties for lending purposes, to oversee loans from inception to final repayment, maintaining good client relationships and monitoring that the assets remain in sound condition, to structure, assess and do feasibility studies on proposed Commercial Developments and residential Development projects to oversee, manage and attend site meetings with professionals, ensure monthly progress payments are certified and paid to the relevant contractors, oversee that construction projects are completed on a cost to complete basis and within budget as per timelines noted on JBCC contracts, To apply personal commitment to agreed Service level Agreements ensuring customers’ expectations are met
• Enhanced financial performance by analyzing data, identifying trends, and providing strategic recommendations.

• Defining Planning and managing training projects, Design and develop training material, Partnering with respective business operational units to proactively meet learning requirements, Monitoring of achievements (Workplace skill plans for CPO), Liaising with management to assess learning needs, Personal Development training for new recruits, Updating and Developing Training Materials, Home loans Training, Product knowledge Primary Level, Product Knowledge Intermediate level, Home loans Front-end, Personal Banking Platform, NTE Practical system training, Staff ware (Tracking), Scopus Toolbar, E-mail Training, Paperless reference training, CIS GUI Training
• Improved employee performance by designing and implementing effective training programs.
• Enhanced trainee engagement through interactive workshops and hands-on activities.
• Developed customized training materials for various industries, ensuring relevance to the target audience.
• Conducted comprehensive needs assessments to identify gaps in knowledge and skills, informing future program development.

• Processing of all Nedbank staff applications, Loading of staff rates, Loading of limits, Implementing access facilities, Motivating approval of applications, Action withdrawals, Bond Cancellations, Home loan take-overs, Placing Maternity holds, Electronic transfers, Loan disbursements, Liaising with Management to improve processes
• Collaborated with underwriters to expedite loan processing, ensuring timely closings.
• Developed strong relationships with real estate agents, fostering a network of referrals for new business opportunities.
• Improved efficiency within the team by sharing best practices and contributing to ongoing training initiatives.
• Consistently met or exceeded monthly sales targets through effective pipeline management and proactive client outreach.
• Negotiated favorable terms for borrowers, advocating for their best interests at every stage of the transaction process.
• Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.

• Trouble shooting, Client advisory, Maintaining a high level of client service, Assisting with Case quality Monitoring, Assisting team members with client calls, Escalating unresolved queries, Processing of Stats calls versus Calls logged, Assistant trainer for Nedcor Training Department, Updating of Home loans and Asset Based Finance Manuals, Construction of examination papers, Assisting with Training Processes and Procedures
• Self-motivated, with a strong sense of personal responsibility.
• Proven ability to learn quickly and adapt to new situations.
• Worked well in a team setting, providing support and guidance.
• Excellent communication skills, both verbal and written.
• Passionate about learning and committed to continual improvement.
• Adaptable and proficient in learning new concepts quickly and efficiently.
• Organized and detail-oriented with a strong work ethic.
• Used critical thinking to break down problems, evaluate solutions and make decisions.
• Worked flexible hours across night, weekend and holiday shifts.
• Developed and maintained courteous and effective working relationships.

• Business performance management, Marketing and client relationship management, Achieve Targets set by management, Servicing of existing and new clients, Compile credit applications, Analytical analysis, Structure deals to accommodate client, Administer monthly payouts, Risk management and control
• Maximized portfolio returns by conducting thorough research and analysis of investment opportunities.
• Implemented risk management strategies for optimal asset allocation and diversification across multiple portfolios.
• Improved client satisfaction by providing timely and accurate financial reports, recommendations, and performance updates.
• Developed strong relationships with clients through consistent communication and attentive service, resulting in increased assets under management.
• Streamlined internal processes to enhance efficiency in trade execution, reporting, and compliance procedures.
• Mentored junior analysts on industry best practices, investment concepts, and the importance of maintaining a disciplined approach to portfolio management.
• Collaborated with team members to develop customized investment solutions tailored to individual client needs and objectives.
• Conducted comprehensive due diligence on potential investments, including assessing company fundamentals, competitive landscape, and market trends.
• Conducted financial due diligence on potential investments and acquisitions.

• Subjects: Internal Auditing Profession Internal Control, Techniques of Auditing, Sampling, Information Technology Auditing, Risk Management, Operational Audit
• Period: Internal Audit Certificate

• Subjects: Accounting 101, Accounting 102, Business Management 101, Business Management 102, Economics 101, Economics 102, Introduction to Business Management A, Introduction to Business Management B, Commercial Law 101, Quantitative Financial Management, Commercial Law 102, Accounting 201, Accounting Data Processing 201
• Period: 2010 to date

Property Environment
Interpreting Financials
Property Investment
Property Feasibility Studies
Development Simulation

Property and Contract Law

Period: 2016

Financing, loans and financial mathematic
Analysing Financial Markets
Private Equity
Corporate Finance Risk, Return & Market Knowledge
Structuring Business-Banking Solution

Period: 2013