Fallon Ruth Makenna
Credit Analyst
Waterfall Country Estate
Summary
I would like to establish myself in a dynamic company in a position that is both challenging and rewarding. Self-development and diversification (both career wise and industry-wise) are both key factors I would like to improve on whilst establishing myself as a well-balanced professional in the commercial field. I have acquired an immense amount of knowledge & skills with regards to people management, leadership skills, being proactive and to take calculated risks. I am open and excited to be faced with new challenges, skills, experiences and personal growth opportunities whilst using the knowledge and experiences I have acquired to date.
Overview
2025
2025
years of professional experience
24
24
years of post-secondary education
2
2
Languages
Work History
Credit Analyst
Rand Merchant Bank
03.2020 - Current
- Assessed credit risk and analysed customer data such as financial statements to determine level of risk involved for extending credit.
- Prepare new and annual credit reviews/ ratings and deal transactions for assigned counterparties and monitor assigned counterparty risk and the
associated facilities. - Analyzed credit scores to determine borrowers' creditworthiness.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
- Understand the range of product and service offerings provided by the Business Units, understand product differentiators, as well as key revenue generators to ensure that service to business is bespoke and relevant to the context.
- Establish and service relationships with business partners to improve the effective and efficient execution of credit objectives in line with business requirements.
- Monitor and action compliance to approved facilities i.e., covenants, excess.
- Update relevant credit systems with covenants and other monitoring requirements and exception reports.
- Review new request and annual credit reviews/ ratings of team members before submitting for approval.
Deal Specialist
Rand Merchant Bank
2008 - 2020
- Responsible for ensuring correct and effective administration of a portfolio of transactions within the framework of the Bank’s policies and legal documentation
- Facilitate the deal pay-out process across different balance sheets and ensure compliance with all requirements including conditions precedent, KYC, credit conditions, exchange control etc
- Gain in-depth understanding of the legal agreements, the deal structure and key triggers, as well as documenting and summarising of each transaction
- Maintain a diary of events, lodging and maintaining securities
- Implement effective computer models for the evaluation and recording of each transaction
- Professional and effective communication with clients
- Monitor credit exposure and ensure adherence to limits
- Calculate and collect all settlements related to the transaction until final settlement
- Deal with queries on transactions and maintain good working relationship with all clients, auditors etc
- Maintain relationships with other business units and support areas in the Bank to ensure transparency and delivery of the transaction requirements
- Monitoring of insurance aspects in respect of assets financed, liaise with auditors, prepare audit schedules and deal with audit queries
- Liaise with Operations, Credit, Compliance, Tax, Accounting, IT, Excon and Legal to ensure smooth implementation of the transaction
- Calculate waterfall in terms of a priority of payments
- Liaise and co-ordinate with other funders in syndicated transactions
Casual in the Queue Display Project
ABSA Bank
11.2006 - 02.2007
- Directing Clients to intended queue
- Distributing and collecting queue time cards
- Updating queue time reports daily
Administrative work in Structured Finance Department
Rand Merchant Bank
06.2006 - 07.2006
- Updating Excel Spreadsheets
- Sorting portfolio documents
Accounting Clerk
Rehau Polymer
03.2006 - 04.2006
- Updating Excel Spreadsheets
- Calculating depreciations on Assets
- Filing
Administrative work
Rotek Engineering
11.2004 - 01.2005
- Processing of Journals and Data Capturing
- Fixed Asset Reconciliation and Debtors Confirmation
- Month-end Reports & Excel Spreadsheet Reports
- Printing & Distributing of cheques
- Card Controlling & Filing
Cabin Attendant
Greyhound
01.2003 - 01.2004
- Attending to the needs of passengers
Education
Postgraduate Diploma - Business Management
Regenesys Business School
04.2001 - 01.2021
B Com - Finance
University of Johannesburg
Grade 12 - Maths, Afrikaans
Mondeor High School
01.1998 - 01.2002
Skills
Credit Systems (Casdm, WCRM and Lumos)
Credit reporting
Credit analysis
Portfolio management and Time management
Relationship management
Financial statement analysis
Risk assessment
Microsoft Excel proficiency
Teamwork and collaboration
Professional and able to adapt with a degree of flexibility
Accomplishments
- South African Dance Team 2006 & 2007
- World Championships in Germany October 2016 & 2017
- Gauteng Hockey Team (2000 & 2001)
Leadershippositions
- Mondeor High School Deputy Head Girl
- First Team Hockey Captain
- Athletics Captain
- Spiritual Dancing teacher
Dependants
3
Owntransport
Yes
Personal Information
- ID Number: 8505100207083
- Gender: Female
- Nationality: South African
- Driving License: Yes
- Marital Status: Married
Telephonenumbers
0761661455
Timeline
Credit Analyst
Rand Merchant Bank
03.2020 - Current
Casual in the Queue Display Project
ABSA Bank
11.2006 - 02.2007
Administrative work in Structured Finance Department
Rand Merchant Bank
06.2006 - 07.2006
Accounting Clerk
Rehau Polymer
03.2006 - 04.2006
Administrative work
Rotek Engineering
11.2004 - 01.2005
Cabin Attendant
Greyhound
01.2003 - 01.2004
Postgraduate Diploma - Business Management
Regenesys Business School
04.2001 - 01.2021
Grade 12 - Maths, Afrikaans
Mondeor High School
01.1998 - 01.2002
B Com - Finance
University of Johannesburg
Deal Specialist
Rand Merchant Bank
2008 - 2020
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