JABULILE MATHENJWA
Johannesburg
Summary
Seasoned credit manager adept at analyzing financial information for lending activities according to current regulations, standards, and market conditions. Offering several years of experience in the banking industry with focus on working capital finance, asset finance and foreign exchange finance.
Overview
11
11
years of professional experience
Work History
CREDIT MANAGER
BIDVEST BANK
11.2022 - Current
- To assess and process applications for all Lending products; Corporate, Commercial, Business Banking, Forex and Retail (approval mandate of R10 mil)
- Duties include: Manage daily excess reports and monitoring collateral
- Conduct weekly deal forums with the relevant sales teams
- Conduct the necessary credit checks, interpret financial statements, and motivate the risk ratio/grading of the loan to compile the Executive Summary presented at the Credit Committee
- Structure the most optimal transaction based on legal aspects, regulations and the mandate of the Bank in line with the credit risk management requirements of the policies of the Bank
- Develop and manage key stakeholder relationships that enable achievement of operational objectives
- Reason for Leaving: Career advancement
SENIOR CREDIT ANALYST
LAND AND AGRICULTURAL BANK OF SA
10.2020 - 09.2022
- To facilitate the initial process of deal application as part of the deal origination team and grow the corporate book and revenue through the acquisition of new quality clients and the retention of existing clients
- Duties include: To conduct a proactive, integrated analysis to assess and motivate the deal application within the corporate banking environment
- Conduct the necessary credit checks, interpret financial statements and motivate the risk ratio/grading of the loan in order to compile the Loan Decision Form
- Structure the most optimal transaction based on legal aspects, regulations and the mandate of the Bank and specifically the objective of Corporate Banking in line with the credit risk management requirements of the policies of the Bank
- To establish close and effective working relationships between the Corporate Banker, the Agricultural Specialist, Portfolio Management and Credit divisions while maintaining effective customer relationships
- Reason for Leaving: Fixed Term Contract
CREDIT ANALYST
BUSINESS FUEL (PTY) LTD
05.2019 - 09.2020
- Review and evaluate business loan applications by analysing and interpreting financial information to determine credit risk exposures
- (Approval mandate of R2 million)
- Duties include: Analyse and interpret annual financial statements, management accounts and bank statements
- Analyse and monitor credit risk exposures, assessing compliance with lending guidelines and internal controls
- Review substantial amounts of documentation and extract, analyse and mitigate key issues
- Determine the main drivers and risk factors relevant to the borrowing company and formulate an informed view of the likelihood vs
- The potential impact on the business
- Contribute and improve the company’s credit scorecard, grow and maintain the existing portfolio of clients
- Reason for Leaving: Relocated to Johannesburg
RELATIONSHIP ANALYST (2015-2018) AND BUSINESS MANAGER (2018-2019)
FIRST NATIONAL BANK
05.2015 - 04.2019
- Responsible for portfolio management of R0 – R20 million turnover business banking clients
- Seeking, identifying, and exploiting business opportunities for the bank and growing the portfolio through the acquisition of new clients and the retention thereof
- Duties include: Influence sales activities with the aim to achieve sales targets in new business market and convert new leads to sales
- Achieve the Net Income Return for the Business as defined in the Financial Performance Report of the Business
- Manage the growth of active customer Account Base to increase client base
- Maximise Business Portfolio cross sell opportunities and strengthen client relationships
- Deliver exceptional service that exceeds customers' expectations through proactive, innovative and appropriate solutions
- Oversee all business banking client sales at two FNB branches: two direct reports which are External consultants at each branch and indirect supervision of branch consultants
- Reason for Leaving: Career change from Sales to Credit
DEBTOR MANAGEMENT ANALYST
FIRST NATIONAL BANK
06.2013 - 04.2015
- Utilizing FNB internal systems as well as credit bureaus to check for adverse information on clients' debtors to estimate the degree of risk in extending credit to the Debtor Finance client
- Duties include: Managing client facilities of R800mil with a debtor limit approval mandate of R2 million and 20% concentration
- Peruse audit reports and action items contained therein
- Managing client expectations and resolving queries timeously
- Writing debtors’ book reports to be presented at Commercial Credit Committee
- Training, recruiting and supervising new/ junior staff
- Actively involved in the enhancement and testing of new automated systems
- Attend and contribute to monthly Exco meetings
- Reason for Leaving: Promotion
Education
ADVANCED CERTIFICATE IN MANAGEMENT PRACTICE -
HENLEY BUSINESS SCHOOL
South Africa07-2024
BACHELOR OF COMMERCE - Economics And Finance
UNIVERSITY OF THE WITWATERSRAND
South Africa06-2013
NATIONAL SENIOR CERTIFICATE (NSC), COMMERCE -
VAAL CHRISTIAN SCHOOL
South Africa12-2008
Skills
- Leadership and Decision Making
- Risk Analysis and Mitigation
- Financial analysis expertise
- Strong attention to detail
References
- Mr Theunis Coetzee -Landbank of South Africa - 0126860500
- Mr Luthuba Ngwenya-First National Bank - 0873280384
- Mr Philani Chili, First National Bank - 0873280448
Timeline
CREDIT MANAGER
BIDVEST BANK
11.2022 - Current
SENIOR CREDIT ANALYST
LAND AND AGRICULTURAL BANK OF SA
10.2020 - 09.2022
CREDIT ANALYST
BUSINESS FUEL (PTY) LTD
05.2019 - 09.2020
RELATIONSHIP ANALYST (2015-2018) AND BUSINESS MANAGER (2018-2019)
FIRST NATIONAL BANK
05.2015 - 04.2019
DEBTOR MANAGEMENT ANALYST
FIRST NATIONAL BANK
06.2013 - 04.2015
ADVANCED CERTIFICATE IN MANAGEMENT PRACTICE -
HENLEY BUSINESS SCHOOL
BACHELOR OF COMMERCE - Economics And Finance
UNIVERSITY OF THE WITWATERSRAND
NATIONAL SENIOR CERTIFICATE (NSC), COMMERCE -
VAAL CHRISTIAN SCHOOL
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