Summary
Overview
Work History
Education
Skills
Technical Skills
Contact Details
Personal Information
Interests
Timeline
BusinessAnalyst
Eva Fonseca

Eva Fonseca

Credit Analyst
Toekomsrus

Summary

Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.

Overview

24
24
years of professional experience
2020
2020
years of post-secondary education
3
3
Languages

Work History

Credit Analyst

WesBank Financial Services
06.2023 - Current
  • Company Overview: Corporate- Asset Based Finance (ABF), Fairlands
  • Analyze credit data to estimate degree of risk in extending credit or lending money; Consults with management to assist in corporate planning
  • Manage costs / expenses within approved budget to achieve cost efficiencies
  • Deliver exceptional Credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions
  • Assist internal sales partners with credit decisions and application of the credit policy
  • Build and maintain relationships with internal business partners
  • Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders
  • Responsible for maximizing cross sell opportunities through credit assessment and client portfolio analysis
  • Assist internal sales partners with credit decisions and application of the credit policy and build and maintain relationships with internal business partners
  • Ensure average approval turnaround time against target to ensure retention of clients
  • Analyze credit data to estimate degree of risk in extending credit or lending money by accessing credit applications
  • Comply with governance in terms of legislative and audit requirements
  • Responsible for the returns of daily stats
  • Manage personal development to increase own skills and competencies
  • Statistical production/efficiency reports
  • Limit Ratification on CRO
  • Ratification of 3-Pager information
  • Corporate- Asset Based Finance (ABF), Fairlands



Professional Achievement

Club of Ten Recipient 2024


Credit Analyst

FNB Loans
03.2007 - 05.2018
  • Company Overview: Bank City
  • Smart Housing assessment of Home Loans
  • Student Loan Credit assessment
  • Easy Plan Loans
  • Bank City

Validations Officer

Smart Product House
08.2006 - 02.2007
  • Company Overview: Sage Centre
  • Sage Centre

Call Centre Agent

Smart Product House
09.2005 - 02.2006
  • Company Overview: Randburg
  • Randburg

Trainee Facilitator (Grades 8- Grades 12)

Little Rock Christian Academy
04.2001 - 10.2004
  • Company Overview: Eldoradopark
  • Eldoradopark

Education

Matric -

Randfontein Secondary School
Randfontein, South Africa
01-1997

Certificate in Banking - Banking And Finance

IOB
Johannesburg, South Africa
04.2001 - 01.2011

Certificate in Business Analysis (Cum Laude) -

Da Vinci Institute

Diploma in Business Analysis -

Da Vinci Institute
01.2012 - 04.2014

NATIONAL CERTIFICATE: INFORMATION TECHNOLOGY: SYST - IT

Mindworx Academy
Johannesburg
04.2001 -

Skills

Analytical thinking & decision making

Technical Skills

Microsoft Word Basic/Intermediate, 2003, Windows XP Operating, 2003, Excel Basic/Intermediate, 2003, MS Outlook, 2003, Excel Advanced, 2003, Problem Solving, 05/01/07, Visio Basic and Intermediate, 2007, Credit Online (CRO), SPIF, FACT, Business Analysis Mentorship, 2021

Contact Details

Work: 0873128672

Cell: 0839508051

Personal Information

  • ID Number: 8004270189081
  • Date of Birth: 04/27/80
  • Nationality: South African
  • Driving License: In Progress
  • Marital Status: Married

Interests

Board Member: ACED CENTRE (Eldorado Park), Role: Treasurer, Financial Reporting

Play Africa Play Through Learning Facilitator, Apr-May 2023

Timeline

Credit Analyst

WesBank Financial Services
06.2023 - Current

Diploma in Business Analysis -

Da Vinci Institute
01.2012 - 04.2014

Credit Analyst

FNB Loans
03.2007 - 05.2018

Validations Officer

Smart Product House
08.2006 - 02.2007

Call Centre Agent

Smart Product House
09.2005 - 02.2006

Certificate in Banking - Banking And Finance

IOB
04.2001 - 01.2011

NATIONAL CERTIFICATE: INFORMATION TECHNOLOGY: SYST - IT

Mindworx Academy
04.2001 -

Trainee Facilitator (Grades 8- Grades 12)

Little Rock Christian Academy
04.2001 - 10.2004

Matric -

Randfontein Secondary School

Certificate in Business Analysis (Cum Laude) -

Da Vinci Institute
Eva FonsecaCredit Analyst