HUMPHREY SAKHE MAKALUZA
Credit Analyst
Cape Town
Summary
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.
Overview
6
6
years of professional experience
8
8
years of post-secondary education
3
3
Languages
Work History
Brand & Marketing Analyst and Tutor - Part Time
Dub’s Mathematics Programme
Cape Town
10.2019 - Current
- Company Overview: EdTech-NPO
- In my dual role at Dub’s Mathematics Programme, my responsibilities include overseeing a free tutoring service for Grade 11 & 12 learners, providing career guidance and support, facilitating tutoring sessions for over 400 underprivileged learners across South Africa, and developing marketing strategies to attract target audiences for the NPO's services.
- EdTech-NPO
Credit Analyst
LULA
09.2024 - Current
- As a Credit Analyst, I am responsible for managing financial risk of businesses applying for financial products.
- This involves in-depth analysis of financial statements, industry conditions, and other risk indicators to determine the level of exposure the business can reasonably accept.
- Internal risk models and my experience are then used to quantify and support lending decisions in line with the business’s risk appetite.
Credit Underwriter
TymeBank
12.2022 - 08.2024
- Analysing the Financial risk of businesses that apply for various financial products by looking at their creditworthiness.
- Then use internal models to see the degree of risk the bank can take with those businesses.
Tutor
SHAWCO Education
01.2019 - 12.2019
- Provided after school tutoring to students in Khayelitsha as part of SHAWCO Education department.
- Taught basic computer and coding skills to school children.
Education
BCom - Economics & Finance, Economics, Applied Statistics, Finance
University of Cape Town
Cape Town 01.2018 - 01.2022
National Senior Certificate - Mathematics, Physical Sciences, Life Sciences, English Home Language, IsiXhosa Home Language, Business studies, Life Orientation, Tourism
East London Science College
East London 01.2013 - 01.2017
Skills
Teamwork
Leadership
Analytical Skills
Problem Solving
Data Modeling
Mathematics
Statistics
Coding
Python
R
Web Design
HTML
Python
R
Web Design
HTML
Accomplishments
- 2022, A first in Quantitative Methods in Economics
- 2017, East London Science College Head-Prefect
- 2016, East London Science College Cultural and Entertainment Committee President
Community Work
- Brand & Marketing analyst and Tutor for Dub’s Mathematics Programme (EdTech-NPO), In my dual role at Dub’s Mathematics Programme, my responsibilities include overseeing a free tutoring service for Grade 11 & 12 learners, providing career guidance and support, facilitating tutoring sessions for over 400 underprivileged learners across South Africa, and developing marketing strategies to attract target audiences for the NPO's services.
- SHAWCO Education Tutor, 01/01/19, Provided after school tutoring to students in Khayelitsha as part of SHAWCO Education department. Taught basic computer and coding skills to school children.
Timeline
Credit Analyst
LULA
09.2024 - Current
Credit Underwriter
TymeBank
12.2022 - 08.2024
Brand & Marketing Analyst and Tutor - Part Time
Dub’s Mathematics Programme
10.2019 - Current
Tutor
SHAWCO Education
01.2019 - 12.2019
BCom - Economics & Finance, Economics, Applied Statistics, Finance
University of Cape Town
01.2018 - 01.2022
National Senior Certificate - Mathematics, Physical Sciences, Life Sciences, English Home Language, IsiXhosa Home Language, Business studies, Life Orientation, Tourism
East London Science College
01.2013 - 01.2017