Golf
Harold Herbet Miller
Senior Manager / Executive
Johannesburg
Summary
Experienced banking professional skilled in leadership, credit, sales, compliance and governance and business management across diverse sectors including Retail, Business, Commercial, Corporate banking segments, and Investment Banking. Proven track record in developing business strategies aligned with overall objectives, delivering holistic customer experiences, and fostering healthy stakeholder relationships. Trusted advisor who is known for providing credit and operational insights to optimize performance. Solid moral compass, integrity, honesty, respect and humility. Experience in evaluating risk, developing and implementing strategies for small business operations and Executive Board member. Former Executive Director of small business and member of the Institute of Directors of South Africa. Entrepreneurial mindset, turn around strategist, critical thinker and execution of, and synergy strategies through leading teams.
Overview
35
35
years of professional experience
8
8
Certifications
2
2
Languages
Work History
Chief Operating Officer and Executive Director
Sectional Title Solutions (Pty) Ltd.
04.2020 - 08.2022
- Executive Leadership Team member reporting directly to the CEO, overseeing Operations, HR, IT, and Facility Management.
- Key participant in various management committees including Finance, Operations, Legal, IT, Sales, Marketing and HR.
- Provided strategic direction, financial planning, and leadership coaching.
- Established and executed processes, procedures, and structures in line with organizational strategies.
- Developed and executed Standard Operating Procedures across all business units.
- Developed and implemented risk mitigation strategies for credit and regulatory risks (FICA/POPIA/FACTA/NCR)
- Co-led a team of approximately 63 employees.
- Registered as Chief Information Officer and Risk Officer with Regulators.
- Oversight of the Collections Department
- Operational Oversight over operating subsidiaries and affiliated companies.
- Develop and lead strategic partnerships with service providers, investors and Business Operating procedures.
- Directed operational strategies to optimize resource allocation, significantly enhancing overall organizational efficiency and service delivery.
- Spearheaded the implementation of advanced management systems, resulting in streamlined processes and improved stakeholder communication.
- Developed and executed comprehensive business plans, aligning operational objectives with long-term strategic goals to ensure sustainable growth.
- Fostered a culture of continuous improvement by mentoring executive staff and establishing performance metrics to drive accountability.
- Analyzed market trends and operational data to identify opportunities for innovation and increased competitiveness within the sector.
- Collaborated with cross-functional teams to enhance project execution, ensuring alignment with organizational priorities and stakeholder expectations.
- Established risk management frameworks, safeguarding the organization against operational disruptions and promoting compliance with industry standards.
- Oversaw day-to-day operations across multiple departments, ensuring timely delivery of projects and streamlined workflows.
- Streamlined operations by implementing efficient processes and systems, leading to increased productivity and cost savings.
- Formulated strategic plans aligning with overall company vision; setting achievable short and long-term goals to drive growth and profitability.
- Enhanced company reputation by establishing strong relationships with clients, partners, and stakeholders.
- Ensured regulatory compliance by developing policies in line with industry best practices to mitigate risks associated with legal or ethical violations.
- Promoted a positive corporate culture by implementing employee engagement programs that recognized achievement and fostered collaboration among teams.
- Mentored team members by sharing knowledge, offering guidance, and providing constructive feedback; fostering a culture of continuous learning and development within the organization.
- Negotiated contracts and agreements to secure favorable terms and maximize profits.
- Identified and pursued business development opportunities to grow organization and increase revenue.
- Negotiated favorable vendor contracts for cost-effective procurement solutions that supported business growth objectives.
- Guided teams through periods of significant change by providing clear communication and decisive leadership during transitions.
- Championed continuous improvement initiatives, fostering a culture of innovation within the organization.
- Established key performance indicators for each department to track progress towards organizational goals effectively.
- Implemented robust risk management strategies, safeguarding company assets and minimizing potential liabilities.
- Improved employee satisfaction and reduced turnover through the development of effective training programs and performance management systems.
- Managed procurement activities to secure resource acquisitions at best possible cost.
- Drove company-wide digital transformation, modernizing legacy systems that improved operational agility and data security.
- Championed adoption of customer relationship management (CRM) software, enhancing sales team efficiency and customer engagement.
Independent Consultant
Private Practice
05.2019 - 08.2022
- Provided strategic plans, financial planning, leadership, coaching and turnaround strategies to small and medium size businesses.
- Reviewed, enhanced and developed management, financial, legal and governance strategies for small and medium enterprises.
- Regulatory compliance strategies and polices developed, implemented and monitored for improvements and compliance.
- Developed and implemented tailored strategies to enhance client engagement, resulting in improved satisfaction and retention rates.
- Conducted comprehensive market analysis to identify opportunities, guiding clients in strategic decision-making processes.
- Facilitated workshops and training sessions to equip clients with essential skills, fostering professional development and empowerment.
- Analyzed operational workflows for efficiency, recommending process improvements that streamlined client operations and reduced overhead.
- Provided expert guidance on regulatory compliance, ensuring clients navigated complex legal landscapes effectively and efficiently.
- Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients.
- Identified areas of improvement for clients'' operations, implementing targeted solutions to increase productivity.
- Delivered high-quality presentations to stakeholders, effectively communicating project objectives and results.
- Streamlined internal processes to enhance team efficiency and improve overall project outcomes.
Senior Associate: Leveraged and Diversified Finance
Nedbank Ltd
11.2015 - 12.2018
- Based on the provided details for the position of Senior Associate in Leveraged and Diversified Finance, here are 8 resume experience statements:
- Led complex financial analyses to optimize capital allocation strategies, enhancing investment performance across diverse portfolios.
- Developed risk assessment models to identify potential financial exposures, significantly improving mitigation strategies and compliance.
- Collaborated with cross-functional teams to implement innovative financing solutions, resulting in increased operational efficiency and client satisfaction.
- Mentored junior associates in financial modeling techniques, fostering skill development and enhancing team performance.
- Managed client relationships to understand their financing needs, leading to tailored solutions that strengthened partnerships and increased business opportunities.
- Participated in regulatory compliance initiatives, ensuring adherence to financial regulations and enhancing the organization's risk management framework.
- Trained and supported new team members, maintaining culture of collaboration.
- Collaborated with cross-functional teams to drive successful completion of complex projects within deadlines.
- Mentored junior associates, fostering professional growth and helping them reach their full potential.
- Consistently maintained strong relationships with clients, ensuring clear communication and timely updates on project progress.
- Effectively managed multiple competing priorities while maintaining focus on delivering exceptional results for clients and the organization.
- Streamlined operational efficiency by identifying areas for improvement and proposing actionable solutions.
Senior Coverage Banker
Nedbank Ltd
05.2010 - 11.2015
- Led comprehensive client relationship management initiatives, enhancing customer satisfaction and loyalty through tailored banking solutions.
- Grew organic market share with top South African JSE listed companies and major unlisted corporate and commercial banking clients.
- Developed and implemented strategic financial solutions that increased client engagement and improved overall portfolio performance.
- Mentored junior bankers in financial analysis and client interaction, fostering a culture of excellence and continuous improvement.
- Spearheaded risk assessment processes, ensuring compliance with regulatory standards and reducing potential exposure for clients.
- Collaborated with cross-functional teams to streamline banking operations, resulting in enhanced service delivery and operational efficiency.
- Analyzed market trends to identify opportunities for revenue growth and position clients strategically within their industries.
- Established strong networks within the financial sector, facilitating partnerships that expanded service offerings and client access.
- Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
- Investigated customer inquiries and resolved discrepancies in helpful and timely manner.
- Developed and maintained strong customer relationships, providing exceptional service and advice.
- Educated customers on features and benefits of banking products and services.
- Collaborated with team members to consistently meet or exceed branch sales targets and objectives.
- Enhanced bank profitability by effectively cross-selling various financial products and services.
- Increased client satisfaction by providing tailored financial advice and personalized banking solutions.
- Monitored account activity and identified suspicious transactions, taking appropriate action to prevent fraud.
- Strengthened customer relationships through attentive service and prompt resolution of inquiries.
- Delivered exceptional customer service, addressing concerns promptly and professionally to ensure client satisfaction.
- Mentored junior staff members, fostering a supportive work environment that encouraged professional growth and development.
- Initiated cross-selling strategy that significantly increased uptake of additional banking products and services.
- Conducted thorough risk assessments for loan applications, significantly reducing bank's exposure to bad debts.
- Managed high-value accounts, ensuring personalized service that resulted in maintained balances and satisfied clients.
- Cross-sold credit cards, loans and other bank products.
- Calculated fees due, interest and change for customer transactions.
- Referred customers to other banking departments for specialized services.
Senior Business Manager (Sales)
Nedbank Ltd
04.2007 - 04.2010
- Spearheaded strategic sales initiatives, enhancing customer engagement and driving significant improvements in market share.
- Developed and implemented comprehensive sales strategies, resulting in increased revenue and improved client retention.
- Mentored and guided junior sales staff, fostering a collaborative environment that boosted team performance and morale.
- Analyzed market trends and competitor activities to inform sales strategies, contributing to informed decision-making and tactical advantages.
- Cultivated strong client relationships through effective communication and tailored solutions, significantly improving customer satisfaction ratings.
- Improved customer satisfaction ratings with proactive problem resolution and enhanced communication strategies.
Senior Credit Manager
Nedbank Ltd
07.2006 - 04.2007
Senior Credit Manager
Nedbank Ltd
01.2001 - 07.2006
- Analyzed market trends and credit metrics, informing strategic recommendations that supported business objectives and risk management strategies.
- Streamlined credit approval workflows, leading to reduced turnaround times and improved service delivery for internal and external stakeholders.
- Streamlined workflow processes by integrating advanced technology tools into daily operations, improving overall team productivity.
- Developed comprehensive credit policies to ensure compliance with regulatory requirements and industry best practices.
- Conducted thorough due diligence on prospective clients, ensuring accurate assessment of their creditworthiness.
- Fostered a culture of continuous improvement by encouraging open dialogue among team members and implementing their valuable feedback.
- Collaborated with cross-functional teams to optimize the loan underwriting process, increasing efficiency and reducing turnaround time.
- Coordinated timely collection efforts on delinquent accounts, minimizing losses and maintaining positive cash flow for the organization.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Monitored accounts for signs of fraud and non-payment issues.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Provided training and consulted with struggling teams to help meet monthly target goals.
Senior Credit Manager
Nedbank Ltd
01.1995 - 07.2001
- Led credit risk assessment initiatives, enhancing portfolio quality and mitigating potential losses through strategic decision-making.
- Developed comprehensive credit policies and procedures, resulting in improved compliance and streamlined operational processes across the organization.
- Mentored and trained junior credit analysts, fostering professional growth and ensuring high standards in credit evaluations and reporting.
- Implemented advanced credit monitoring systems, increasing efficiency in risk assessment and improving responsiveness to emerging market trends.
- Collaborated with cross-functional teams to identify and address credit-related issues, driving overall business performance and client satisfaction.
- Conducted in-depth credit assessments for high-value clients, enhancing decision-making processes and maintaining strong client relationships.
- Mentored junior team members in effective credit analysis techniques to enhance overall team performance.
- Optimized pricing models through detailed analysis of market trends and competitor data, maximizing profitability while remaining competitive in the marketplace.
- Provided expert advice on complex credit transactions for senior management, facilitating informed decisionmaking.
- Partnered with sales teams to identify potential growth opportunities within target markets, driving increased revenue and market share.
- Managed a diverse loan portfolio, resulting in reduced delinquency rates and improved overall credit quality.
- Negotiated favorable terms for both new loans and restructured existing debt arrangements, ensuring mutually beneficial outcomes for all parties involved.
- Evaluated macroeconomic conditions to anticipate potential impacts on borrowers' financial health, proactively addressing any areas of concern before they became critical issues.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
Various Roles (Manager & Credit Manager)
Nedbank Business Banking, Nedbank Commercial, Nedbank Retail
01.1988 - 01.1995
Education
Bachelors of Law (LLB) -
University of the Witwatersrand
Johannesburg10.2025
Masters of Business Administration (MBA) - undefined
University of the Witwatersrand
Johannesburg01.2018
Senior Management Programme - undefined
GIBS
Johannesburg11.2011
Post Graduate Diploma - Corporate Law
University of Johannesburg
Johannesburg01.2010
Bachelor of Commerce Honours - Strategic Management
University of Johannesburg
Johannesburg01.2006
Bachelor of Commerce - Finance and Law
University of Johannesburg
Johannesburg01.2001
Certificate in Banking - undefined
SA Institute of Banking
Johannesburg11.1992
National Senior Certificate - undefined
Parktown Boys High School
Johannesburg01.1987
Skills
Ability to Work Under Pressure
Computer Skills
Ability to Work in a Team
Leadership
Change Management and Critical Thinking
Strategic Thinking
Problem-solving
Communication Skills
Emotional Intelligence
Time Management
Risk Management
Operational and Credit Risk Management
Expertise in Credit Risk Assessment and Review
Management of Market, Political, and Reputational Risks
Governance, Compliance, and Legal Risk Management
Deal Structuring and Implementation
Strategic planning
Operational oversight
Risk management
Financial planning
Leadership coaching
Compliance strategies
Process improvement
Project execution
Performance metrics
Stakeholder communication
Resource allocation
Regulatory compliance
Business development
Vendor negotiation
Employee engagement
Team mentoring
Market analysis
CRM implementation
Digital transformation
Standard operating procedures
Client relationship management
Change management
Planning and execution
Executive leadership
Organizational development
Budget administration
Operations management
Cross-functional collaboration
General management and administration
Policy development
Cost savings and reduction
Compliance management
Human resources management
Management
Contract negotiation
Recruitment and retention
Business process reengineering
Performance management
Financial management
Business administration
Financial oversight
Long-range goal setting
Technology
Process improvements
Strategic business planning
Organizational skills
Problem-solving abilities
Multitasking Abilities
Client relationship building
Relationship and team building
Brand management
Analytical thinking
Continuous improvement
Decision-making
Self motivation
Teamwork and collaboration
Certification
Banking, Institute of Bankers
References
References available upon request
Accomplishments
- Nedbank CIB Top Group Performer, Johannesburg January 2016 – December 2023
- Nedbank CIB Group Top Achiever winner - presented by Nedbank Group CEO.
Hourly Consulting Fee
- My hourly rates are Monday – Friday from 08h00 to 17h00 at R1450.00 per hour excluding after hours, weekends and public holidays. Rates outside these hours will be negotiated on an ad hoc basis.
- All domestic and international travel and accommodation and allowances will be negotiated on an ad hoc basis when and where required.
Interests
Model train collector
History
Geo politics
Outdoor and wildlife
Top academic candidate in the MBA
Top candidate in the Senior Management Program
Model Train Collections
Collector of HO scale Roco Model Trains of German V generation
Timeline
Chief Operating Officer and Executive Director
Sectional Title Solutions (Pty) Ltd.
04.2020 - 08.2022
Independent Consultant
Private Practice
05.2019 - 08.2022
Senior Associate: Leveraged and Diversified Finance
Nedbank Ltd
11.2015 - 12.2018
Senior Coverage Banker
Nedbank Ltd
05.2010 - 11.2015
Senior Business Manager (Sales)
Nedbank Ltd
04.2007 - 04.2010
Senior Credit Manager
Nedbank Ltd
07.2006 - 04.2007
Senior Credit Manager
Nedbank Ltd
01.2001 - 07.2006
Senior Credit Manager
Nedbank Ltd
01.1995 - 07.2001
Various Roles (Manager & Credit Manager)
Nedbank Business Banking, Nedbank Commercial, Nedbank Retail
01.1988 - 01.1995
Masters of Business Administration (MBA) - undefined
University of the Witwatersrand
Senior Management Programme - undefined
GIBS
Post Graduate Diploma - Corporate Law
University of Johannesburg
Bachelor of Commerce Honours - Strategic Management
University of Johannesburg
Bachelor of Commerce - Finance and Law
University of Johannesburg
Certificate in Banking - undefined
SA Institute of Banking
National Senior Certificate - undefined
Parktown Boys High School
Bachelors of Law (LLB) -
University of the Witwatersrand