Janine Melissa Mosavel
Johannesburg
Summary
Financial advisor with 20 years of experience in banking, specializing in business banking, credit analysis, and client acquisition. Proven track record in portfolio management and wealth creation strategies, consistently achieving high levels of customer satisfaction. Strong ability to build and maintain client relationships, driving business growth and retention.
Overview
24
24
years of professional experience
Work History
Financial Advisor
Liberty
Johannesburg
02.2020 - 09.2024
- Developed personalized financial plans and investment strategies for high-value clients.
- Conducted market research to inform effective investment decisions.
- Monitored client portfolios, ensuring alignment with financial goals and objectives.
- Educated clients on various investment options and market trends.
- Collaborated with senior advisors to enhance client service strategies.
- Facilitated comprehensive investment strategy planning during client meetings.
- Responded promptly to client inquiries regarding accounts and services offered.
- Promoted business initiatives to increase customer base and revenue growth.
Acquisition Banker
Standard Bank
Johannesburg
03.2018 - 01.2020
- Spearheaded customer acquisition strategies, boosting company revenues and driving business growth.
- Targeted and onboarded new clients in business banking sector to expand market share.
- Assisted customers with account inquiries and processed transactions efficiently.
- Educated clients on available banking products and services to enhance understanding.
- Processed loan applications and conducted credit assessments to evaluate eligibility.
- Collaborated with team members to streamline operational workflows for increased efficiency.
- Resolved customer complaints promptly, delivering effective solutions to enhance satisfaction.
- Ensured compliance with banking regulations through regular reviews and documentation.
Business Banker
Standard Bank
Johannesburg
11.2011 - 02.2018
- Managed client relationships, delivering tailored financial solutions to enhance satisfaction and loyalty.
- Analyzed financial statements to assess creditworthiness and mitigate risk for clients.
- Developed banking solutions, fostering long-term customer loyalty.
- Streamlined account opening processes for efficient service delivery through team collaboration.
- Educated clients on banking products to drive informed financial decisions.
- Facilitated junior banker training on compliance and regulatory standards.
- Oversaw loan applications, ensuring adherence to internal policies.
- Identified cross-selling opportunities, expanding product reach among existing customers.
Account/Credit Analyst
Standard Bank
Johannesburg
08.2000 - 10.2011
- Assessed creditworthiness of individuals and companies applying for loans using various criteria.
- Analyzed credit applications, customer payment history, and application purpose to manage risk.
- Collaborated with loan officers to develop financing solutions tailored to client needs.
- Reviewed financial documents for compliance with lending policies and regulations.
- Monitored existing credit accounts for changes in risk levels or payment patterns.
- Prepared detailed reports on credit analysis findings for management decision-making.
- Conducted due diligence by verifying applicants' income, assets, and liabilities through public records.
- Developed strategies to manage delinquent accounts and mitigate portfolio risks.
Education
Advanced Certificate In Banking Services (NQF 5) - Banking Services
Milpark Business School | Johannesburg, South Afri
South Africa03-2020
Certificate - RE5
Financial Planning Institute of Southern Africa Ht
Johannesburg05-2018
Matric -
Ennerdale Senior Secondary School | Johannesburg,
South Africa12-1999
Skills
- Financial planning
- Investment strategy
- Market research
- Portfolio management
- Compliance adherence
- Client relationship management
- Risk assessment
- Sales strategy
- Team collaboration
- Effective communication
- Problem solving
- Attention to detail
- Customer education
- Negotiation skills
- Behavioral finance
- Technical analysis
- Fiscal oversight
- Cash flow analysis
- Verbal and written communication
- Lead generation
- Multitasking and organization
- Investments planning
- Pension planning
- Financial services
- Regulatory compliance
- Account performance reviews
- Planning for retirement
- Customer service
- Trend analysis expertise
- Estate planning
- Sales and marketing
- Banking
- Business succession planning
- Credit analysis
References
References available upon request.
Timeline
Financial Advisor
Liberty
02.2020 - 09.2024
Acquisition Banker
Standard Bank
03.2018 - 01.2020
Business Banker
Standard Bank
11.2011 - 02.2018
Account/Credit Analyst
Standard Bank
08.2000 - 10.2011
Advanced Certificate In Banking Services (NQF 5) - Banking Services
Milpark Business School | Johannesburg, South Afri
Certificate - RE5
Financial Planning Institute of Southern Africa Ht
Matric -
Ennerdale Senior Secondary School | Johannesburg,