Hapias Rambuda

Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 17 years of resolving credit disputes and making recommendations on bad debt accounts. Bilingual Credit Analyst familiar with creating credit risk models. Eager to apply skills in account management and research to augment an employer's services and market share. Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. Team-oriented individual highly skilled in credit policies and corporate regulations. Desiring Credit Analyst position with Wesbank company. Accomplished Credit Analyst promoting more than 17 years developing skills in customer service, account oversight and collections. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Credit Management position. Ready to help team achieve company goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

• Resolved product issue through consumer testing.
• Achieved Credit Analyst of the year by completing credit reviews with accuracy and efficiency.
• Supervised team of 7 staff members.
• Documented and resolved credit data which led to positive profitable results for the company.
• Collaborated with team of 7 individuals in the development of cashflow calculation project.

CTA and The Boys Masters Club

I have completed my studies towards a Bachelor of Commerce in Financial Management Degree NQF 7 at MANCOSA and I am currently furthering my studies with Milpark Education for CTA. I was a Credit Analyst at Wesbank Corporate and have been in this role since 01 April 2012 to the 07 April 2023 with a R5mil approval mandate on a two-eye principle and with any amount above that requiring a second signature or more depending on the deal size. Deals above R60mil have to be presented at deal forums, no maximum. I have over 17 years of credit lending experience withing the business/corporate banking environment. During this time, I have gained extensive experience within ABF, AGRI, Aviation, Mining Equipment, Commercial, SOEs, Government Parastatals and IT Equipment space. All on either Lease/Rental or Instalment Sale.
I have a great product and deal structuring knowledge within the commercial, mining, construction, IT, Industrial, Aviation, SOEs, Government, Energy and Agri space i.e Yellow Metals, Aircraft, Trucks, Buses, Solar, CCTVs, Harvesters, Tractors, Forklifts, Irrigation equipment, TLBs, Lawnmowers, Planters, Rollers, Feeders to name a few. I have also gained experience in credit assessment and decision making for various business segments and products (i.e. Corporate banking or Agri). I have thorough knowledge and understanding of various types of financial statements as well as extensive knowledge and understanding of repayment structures, collateral and collection processes within the banking environment and understanding of legalities associated with lending and collateral within the credit lending space.

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