Frederick Kgoahla
Relationship Banker
Pretoria
Summary
Top-notch Relationship Banker with solid background in banking and finance. Effective at building positive relationships with clients, achieving sales goals and providing excellent customer service. Strong communication and interpersonal skills committed to making customers understand financial needs, goals and options.
Overview
16
16
years of professional experience
13
13
years of post-secondary education
Work History
Relationship Banker
Capitec Business
03.2024 - Current
- Understanding of business banking and intuitive credit and portfolio management
- Client relationship management (CRM) principles and techniques
- How to interpret financial statements, balance sheets, collateral and basic financial ratios
- Compliance with the Banking Code of Practice, Credit Risk Manual, Securities Manual and Bank Policies and Procedures
- Standardized business banking transactional products and other core products relevant to small enterprises
- Regulations, Acts and Codes related to the banking environment / for example, Companies and Intellectual Properties Registration Act (CI PC) for correct documentation-mandate preparation purposes, Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) and related anti-money laundering legislation and the National Credit Act (NCA) Knowledge of competitors offerings.
- Increased cross-selling success by proactively identifying client needs and suggesting appropriate financial solutions.
- Enhanced reputation as a trusted advisor with clients through consistent delivery of high-quality financial guidance and support.
- Managed multiple customer accounts efficiently, ensuring accurate record-keeping and timely resolution of issues.
Business Banker (Acquisitions)
Capitec Bank (Business)
10.2022 - 02.2024
- Monitored industry trends to stay informed on market changes and provide up-to-date advice for clients'' financial decisions.
- Streamlined internal processes to improve efficiency, allowing more time for client interactions and relationship building.
- Coordinated with various departments to ensure seamless delivery of banking services across all channels.
- Implemented innovative sales techniques that resulted in an increase in new business acquisition rates.
- Enhanced customer retention through building strong relationships and addressing concerns promptly.
- Delivered exceptional customer service by responding promptly to inquiries and providing accurate information about products and services offered by the bank.
Business Banker
First National Bank (FNB)
09.2019 - 10.2022
- Deliver exceptional service that exceeds customers' expectations through proactive, innovative and appropriate solutions
- Manage existing clients and grow portfolio through making contact and generating leads
- Manage the growth of active customer Account Base to increase client base
- Maximize Business Portfolio cross sell opportunities and strengthen client relationships.
Contact Centre Service Agent
First National Bank (FNB)
11.2017 - 09.2019
- Assist new aspiring home owners to realize their dreams of being the actual home owners by offering them sound advice on the home-loan products offered.
Communications Officer
National Department of Tourism
01.2017 - 11.2017
- Handled presidential hotline queries
- Researched information about department and tourism sector and respond to enquiries
- Produced reports on a monthly basis
- Was responsible for information management
- Assisted at the Information Resource Centre and handle face to face enquiries when required
- Handled Call Centre enquiries from the public via telephone and/or email within prescribed precepts.
Contact Centre Operator
South African Police Service
03.2011 - 01.2017
- Provided administrative policing services to the community at 10111 contact centre
- Ensured effective support and communication with the complainant and the patrol vehicle
- Dispatched vehicles to various areas where police assistance is required through radio
- Handled complaints from the public that were received through the contact centre.
Tourism Commercial Development Intern
Limpopo Tourism Agency
08.2008 - 12.2009
- Liaised and engaged with LIBSA, Tourism Enterprise Programme and other relevant institutions to open a world of business opportunities for communities and emerging entrepreneurs
- Managed and coordinated business development activities for Limpopo Wildlife Resorts (LWR)
- Assisted with the development of management operating permits, activity permits and concessions for small and emerging entrepreneurs who will do business with LTP
- Development and establishment of potential entrepreneurs in Tourism and Hospitality
- Established business to business opportunities for LWR and expand its products beyond provincial boundaries
- Implement budget allocated for the sub-directorate.
Education
Bachelor of Commerce -
University of Venda
01.2005 - 05.2018
Post Graduate Diploma - Project Management
UNISA
Pretoria 04.2001 -
Skills
Customer Relationship Management
Languages
English
English
Bilingual or Proficient (C2)
Accomplishments
- Achieved top-performer awards for highest monthly payout and most number of applications submitted.
Timeline
Relationship Banker
Capitec Business
03.2024 - Current
Business Banker (Acquisitions)
Capitec Bank (Business)
10.2022 - 02.2024
Business Banker
First National Bank (FNB)
09.2019 - 10.2022
Contact Centre Service Agent
First National Bank (FNB)
11.2017 - 09.2019
Communications Officer
National Department of Tourism
01.2017 - 11.2017
Contact Centre Operator
South African Police Service
03.2011 - 01.2017
Tourism Commercial Development Intern
Limpopo Tourism Agency
08.2008 - 12.2009
Bachelor of Commerce -
University of Venda
01.2005 - 05.2018
Post Graduate Diploma - Project Management
UNISA
04.2001 -
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