Ildi Jacobs

• Entered and maintained departmental records in company database.
• Computerized office activities, maintained customer communications, and tracked records through delivery.
• Collected, validated, and distributed information to employees.
• Screened and transferred incoming calls, took down messages, and transmitted information and documents to internal personnel.

Duties Analyse and assess all new credit applications in the retail market been residential Property purchases/new developments/affordable housing market. Decision been approved/approved in principle/declined/counter offer.

Analyse Bureau information namely payment profiles, adverse judgements assessing Applicants behavioural history Applicants conduct on existing accounts and bank statements analysed for returns and Conduct.

Verify all information provided and checked for correctness and a final decision made To establish willingness and ability to repay . Motivate applications above lending mandate to Senior Management Current Lending Mandate R2 000 000

Analysing all supporting documentation and identifying any fraudulent payslips Identification bank statements and referring to Verifications Department for further investigation

Assessing of all new Staff credit applications in all products namely Homeloans Overdrafts New and existing Vehicle Finance applications . Assessed via Credit scoring system analysing for affordability and verifying accuracy of all information Checking applicants behavioural scoring via Bureau records Bureau Gateway. captured and provided resulting in an approved or declined decision

• Obtained client information by answering telephone calls.
• Informed clients of policies and procedures.
• Advised customers about new products and assisted customers in determining best Homeloans roduct for needs.
• Resolved caller issues quickly and thoroughly.
• Building relationships with clients and Estate agents in an assigned portfolio for clients With Bonds in a Distressed Status assigned to various estate agents. Monitoring any offers received on said properties including verifying correctness . Contacting Estate agents on a daily/weekly basis requesting feedback on progress Of sale on clients properties.

Assessing and analyzing all new credit applications for all products namely Home Loans /vehicle finance /overdrafts new and existing and new credit card Applications resulting in an approved/declined or approved in principle decision.

Checking Bureau records for adverse information and all debt captured as per Credit Scoring system

All documentation provided analyzed for correctness and identifying any Fraud

Risk assessor duties was mainly Collections process included actioning excess reports and rehabilitating Overdrawn accounts and inactive dormant accounts.

Limit review reports actioned And necessary steps taken to recover monies via Debt manager system

• Leveraged scripts and other resources to answer questions and direct to appropriate resources.
• Updated customer records in CRM to document interactions.
• Maintained contact with customers to request referrals.
• Escalated complex matters to management to request information or appropriate action to resolve.
• Inbound and Outbound call centre agent assisting clients and branch networks
• Queries actioned on behalf of clients in all products regarding general account Information.
• Liaising with Back Office Support Teams and logging case incidents via Scopus Timeous Follow ups done on requests logged to ensure Service level agreement

• Cold called and conducted face-to-face sales calls with C-level executives and directors in assigned sales territory.
• Created detailed sales presentations to communicate product features and market data.
• Used consultative sales techniques to understand customer needs and recommend relevant products and services.
• Maximized customer retention by resolving issues quickly.
• Queries actioned on behalf of clients regarding Homeloans/ Vehicle finance .
• Processing of all financial transactions been nedrevolve withdrawals /debit Orders. Changes dates and amounts. Management of a portfolio of approx. 500 clients regarding excesses reports/ Overdrawn accounts and action taken to rehabilitate account.
• Cross Selling on new and existing clients in order to reach monthly set sales targets.
• Full motivations drafted for declined applications in all products to relevant Credit Departments

Accounting

Business Economics

Typing

Mercanile Law