John Meyers
Credit Risk & Compliance Officer – Account Maintenance
Eldorado Park
Summary
Seasoned Credit Risk & Compliance Officer with over 20 years of experience driving operational excellence in the banking industry. Skilled in customer relationship management, strategic decision-making, and team leadership. Proven track record of mitigating risks, streamlining processes, and fostering productive cross-functional collaboration. Known for integrity, adaptability, and a results-driven approach in fast-paced environments
Overview
11
11
years of professional experience
4
4
years of post-secondary education
2
2
Languages
Work History
Credit Risk Officer
Standard Bank
Johannesburg
04.2020 - Current
- Action queued events, (Excesses including loan accounts, Dormancy, Dishonour, RCP arrear, Previous, Current and Future expiring limits, Diary notes) thereby minimising the incident of non-performing loans and risk of losses, while simultaneously providing excellent customer service Fraud detection, prevention and awareness
- All events are to be addressed with Suite
- Previous note is to be read and followed
- Profile to be viewed holistically to ensure there are no adverse trends/arrears on other products and the expiry date
- Notepad is to be updated with the event detail, persons emailed, level of request and action to be taken
- Diary notes captured to follow up on outcome
- TAT to be actioned with in the specified timeline
- To ensure that all terms and conditions of sanction authorised by the Credit Evaluation Manager are complied with
- Any negative trends are to be reported to the relevant Credit Evaluation Manager/Officer and your immediate line manager
- Encourage suite to attend to conditions to avoid the delay pressure when the client calls for limit to be loaded
- Monitor for collateral regularisation prior to releasing limits approved by the Credit Evaluation Manager/Officer
- Follow up with Credit Centre if regularisation takes too long to avoid pressure from suite when the customer calls for limit to be loaded
- All Cheque/Card account limits are loaded within SLA
- Monitoring, recording and ensuring the timeous receipt of caveat adherence to turnaround times within agreed service level agreements
- (CMS to do list and Private Banking Credit Risk Officer Mailbox)
- Takes ownership for resolving customer concerns and queries on the Customer 1st system
- Logging requests for Section 129 / 10 Day Call Up letters to be issued in order for legal action to proceed through requesting this authorisation from your immediate line manager and ensuring a recommendation is completed and sent with every request
- Take ownership of the Watch list and ensure Business Solutions involvement when necessary
- Follow up on requests sent to suite to speed up the rehabilitation process
- Where CCA was recommended both the suite and CCA are to make sure client receives and returns the Information Pack within the time stipulated
- Risk still follows up on the process progress, any High Care accounts identified to be referred to specialized risk
- Proactive communication with the Business Banking Suites to ensure timeous resolution of queries on Business Banking and Unsecured LRDA events and Watch List matters
- Escalate if not attended to
- Diarising and following up until the matter have been attended to
- To realise an improvement in credit controls and a reduction in NPL’s through the rehabilitation of irregular accounts
- Customer education by suites, recommending CCA and placing account in watch list for monitoring
- Regulatory compliance – responsibility and accountability for the following: Monitoring compliance with laws and regulations
- Reporting any regulatory breaches to the Business Banking Credit Centre Manager and/or the Banks regulatory Compliance Officer
- Understand and report on trends in the portfolio under your control
- Preparation, monitoring, checking and regularisation of pre/agreements for Overdrafts to ensure that we comply with the NCA regulations
- Documenting all agreements once regularised for filling to RCC to ensure that the agreements are stored in a safe place and readily available in the event of legal action and customer queries
- Loading of limits – CMS (To Do List) + CDDS
- Extensions, Increases and reductions
- Ensure conditions have been met before loading limit
- Attending to Release Requests
- Decision making pertaining to the extension of limits within the delegated mandate
- Holistic viewing of account to ensure there are no adverse/arrears on other products
- Early detection of bad debts
- Proper rehabilitation required at an early stage
- Fraud detection, prevention, and awareness (Unpaid cheque deposits)
- Sound decision to be taken in need (e.g., loading U status if not on file)
- Adherence to turn around time as agreed with our business partners
- Any other duty delegated by the Credit Risk Manager or Private Banking Credit Centre Manager
- Private Banking Mailbox
- Attend to requests to amend interest rates cancel limit 1 and rate 2 if account is not Pre NCA
- Key performance measures: All limits are loaded within SLA
- Daily actioning of events within specific timeline from date of downloaded
- All limits loaded within the center, triggered by an event on CDDS, to be checked if correct and no risk in place
- Established and oversaw application of operational risk policies, technology and tools and governance processes to create lasting solutions for minimizing losses.
Team Leader: Credit Decision Support (Student Loans)
Standard Bank
Johannesburg
03.2016 - 03.2017
- To execute rehabilitations, consolidations and account maintenance within Credit Risk Management, across all product levels for PBBSA
- To maintain a high level of stakeholder engagement by ensuring effective and consistent support through high quality process execution of Credit Risk Management processes
- Key results: Manages the end-to-end support on distressed accounts in accordance with internal and external customer’s requirements
- This includes the preparation of proposals for customers in distress, reversal of interest or journal entries, debit order reversals and initiation fee reversals, and altering of agreements, for example home loan contracts
- Execution of all rehabilitated accounts whilst being accountable for the end-to-end secured and unsecured consolidation processing (which includes the origination and agreement conclusion process)
- Monitors operational reporting by analyzing data trends in order to produce improved levels of MIS
- Actively participates in and supports the delivery of the Credit Risk goals for the respective portfolio
- Prioritizes and implements the operational plans to meet business (personal product and credit environment) objectives and business performance measures
- Establishes and maintains the critical decision support processes, sub-processes and underlying controls needed to effectively manage the execution of decisions concluded by Credit Evaluations
- Pro-active monitoring of control breaches to identify systemic control issues / themes which could lead to operational losses
- Report potential control weaknesses leading to possible revenue leakages
- Contributes to the development of process improvements via the digital platform for underlying controls applied within the Decision Support portfolio
- Detects control failures and applies suitable Root Cause Analysis (RCA) and failure remediation
- Supports timeous closure of findings raised by Internal and External Audit
- Effective execution of BCM (Business Continuity Management) scenarios (test and real)
- Stakeholder engagement: Builds and maintains credible relationships with internal and external stakeholders, including management, internal and external auditors, non-executives, the regulator as well as peers
- Manage and lead Credit Risk function in business (People)
- Together with the Manager, Credit Risk and Decision Support and the Human Capital (HC) partner for the area, support the people requirements for the area with a focus on talent management, resourcing, development and retention
- Reviews the overall development needs analysis
- Contributes to the development of the training plan and prioritisation of training budget usage and reviews actual spend to ensure that funds are being used
- Reviews and approves succession plans for key roles in the area
- Support the Talent Review process and approve nominations for the area
- With support from Manager, Credit Risk and Decision Support and the Human Capital (HC) partner, interview and motivate the hiring of direct reports
- Coordinates the efforts of the different operational areas under supervision to minimise duplication of effort, maximise efficiency and value for money
- Re-balance resources (people, budgets, equipment) between the different areas under supervision, but within overall approved resources for the year
- Supports a 1-2 year development plan for the area by providing a view on potential improvements in existing products, processes and services
- Monitors progress and provide feedback on approved operational targets
- Takes accountability for the overall achievement of goals in people matters, customer experience, financial performance, risk, compliance and governance
- Analyses effectiveness of cross-functional processes and systems in place in the area and identify areas for improvement
- Agrees and manage services levels with internal clients
Home Loans Consultant – Account Maintenance
Standard Bank
Johannesburg
03.2014 - 03.2016
- Ensure that all queries/problems received are resolved efficiently within laid-down time frames as per service level agreements
- Understand the risks associated with dealing with customer queries and dissemination of confidential information
- Key results: Rezoning of property, Subdivision, Servitudes, Establishment of a Township, Notarial Tie, Opening of Sectional Title Register, Extension of Sectional Title, Excision of property, Consolidations, Release of common property (Sectional Title), Expropriation of land, Usufruct, Alienation of Land Act, Rectification transfer, Release of Portions, Removal of restrictive title conditions, Release of collateral, Development bonds, Substitution/ Release of debtors/Sureties, Registration of third party bonds, Branch bonds, Transfer in/out, Safe Custody
Education
Some College (No Degree) -
Deviare Online Learning
01.2020 - 05.2024
Introduction to Machine Learning - undefined
DUKES University
Coding For Beginners - undefined
Udemy Online Learning
Data Fluency: Exploring and Describing Data - undefined
LINKEDIN Online Courses
Information Literacy - undefined
LINKEDIN Online Courses
Leading Yourself - undefined
LINKEDIN Online Courses
Data Literacy Introduction - undefined
DEGREED Online Learning Standard Bank
WorkFusion Diploma - Automation Essentials
Automation Academy Online Learning
Matriculated - undefined
Kliptown Senior Secondary School
Skills
- Experienced in Microsoft Office applications
- Experience in MS Access reporting tools
- Systematic branch delivery
- Expertise in OS2 software
- Customer-oriented service
- E-View proficiency
- Experience with SAP FSP (PBB)
- Proficient in CACS Lighthouse
- Experienced with Lightstone Toolkit
- Experience with e3 technology
- Innovative origination strategies
- Proficient in credit management systems
- Expertise in Power BI
- New To Bank
- Process optimization expertise
Occupation
Credit Risk & Compliance Officer – Account Maintenance
Next Career Move
Management role
Professional Courses Training
- Code of banking practice compliance
- Telephone etiquette
- Professional business writing skills
- Excel Intermediate
- Occupational health and safety training awareness
- Money laundering
- Lean Six Sigma Awareness: White belt Certified & Qualified
- Customer Experience Training (CEM)
- FAIS - non facing client
- Financial Management
- Communications
- Consumer Protection Act
- Greet transfer and hold calls
- Build rapport, listen, clarify and manage conversational flow
- Manage upset customers, conflicts and challenging situations
Ethnic Group
Black
Personal Information
- ID Number: 830524 523208 2
- Gender: Male
- Nationality: South African
- Driving License: Yes
Residential Location
19 Peters Street, Eldorado Park, Gauteng, 1811
Timeline
Credit Risk Officer
Standard Bank
04.2020 - Current
Some College (No Degree) -
Deviare Online Learning
01.2020 - 05.2024
Team Leader: Credit Decision Support (Student Loans)
Standard Bank
03.2016 - 03.2017
Home Loans Consultant – Account Maintenance
Standard Bank
03.2014 - 03.2016
Introduction to Machine Learning - undefined
DUKES University
Coding For Beginners - undefined
Udemy Online Learning
Data Fluency: Exploring and Describing Data - undefined
LINKEDIN Online Courses
Information Literacy - undefined
LINKEDIN Online Courses
Leading Yourself - undefined
LINKEDIN Online Courses
Data Literacy Introduction - undefined
DEGREED Online Learning Standard Bank
WorkFusion Diploma - Automation Essentials
Automation Academy Online Learning
Matriculated - undefined
Kliptown Senior Secondary School
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