Summary
Overview
Work History
Education
Skills
References
Work Availability
Timeline
Generic

KARABO DESIREE MOTHAPO

Summary

  • PERSONALITY TRAITS
  • Resilient & Tenacious
  • Strategic Thinker and Initiative taking
  • Emotional Agility
  • Entrepreneurial mindset & approach
  • Change leader
  • Takes calculated risks
  • Results oriented
  • Problem solving and Decision maker Curriculum Vitae Change Maker | Leader | Entrepreneur | Committed/Immerse to goal PERSONAL STATEMENT AND MOTIVATION I thrive in an evolving environment which encourages growth and innovation. Describe myself as Self-Managed, Solution driven and Multi dextrous individual.

Overview

15
15
years of professional experience

Work History

BUSINESS ANALYST

WHOLESALE FINANCE
01.2019 - Current
  • Key responsibilities include but not limited to:
  • Identifying suitable funding solution for the client and Bank
  • Explore solutions - Debt structuring of complex lending transactions
  • Assess Customer value and needs analysis - Facility requirements to secure vehicle and asset finance and commercial asset funding
  • Goods type funding – VAF (vehicle and asset), Domestic /electric appliances, Aviation, Leisure, CAF such as Fleet, Commercial trucks, Agriculture and Office equipment, Plant and machinery
  • Attend Credit round table discussions evaluate risk appetite with internal stakeholder where necessary
  • Prepare Credit application on lending parameters (Equity/Balance Sheet lending):
  • Data and Industry Analysis: Based on the financial and non-financial data it leads to defining desirability test and ability to measure and assess risk
  • Attend to Credit discussion based on nature of application
  • Accurately pricing product offering for risk
  • Comment on Financial statement and Forecast trend Analysis
  • Measure and assess risk and collateral considerations
  • Provide Business recommendation and support
  • Providing timeous feedback to customer
  • Manage integrated Information, create and update workflow system
  • Extract Credit Approval proposed pre, post and ongoing conditions to agreements, verify correctness of Dealer agreements to approval conditions and to latest OEM (manufacturer) agreement, validate company resolutions and collateral fulfilment
  • Authorizing the loading of the facility limit
  • Enhanced customer experience through Identifying portfolio cross sell opportunities for ecosystems such as trade finance and debtor finance etc
  • Suitable for the client’s business model
  • Account and ongoing risk management such as,
  • Proactively action Annual review management, risk management, customer and financial metrics, compliance monitoring, KYC origination and legislative requirements
  • Effectively resolve queries and ability to solve and optimize portfolio retention
  • Recommend operational process improvements to be re-defined by business on processes map and manage regulatory risk governance and control
  • Preparation of progress reports and insights to summarize and interpret current and projected financial position and performance to business stakeholder
  • Build, maintain collaborative relationships and entrench good rapport with external and internal stakeholders in Business ecosystem, Entrepreneur, Automotive, Commercial Asset Finance, Corporate Investment Banking, Wealth and Rest of Africa
  • Supports ecosystem strategies as needed to grow the asset book and Marketshare
  • Proactive use of big data to improve internal efficiency and operations to support ecosystem strategies and to engage the market
  • Business Process Improvement
  • Continuous Process Improvement

05.2017 - 01.2019
  • Credit portfolio business segment experience: Franchise, Agriculture, Property Finance, SME, Mid and Corporate
  • Actioned daily excess, mid-month, monthly, exception and anomalies account reports
  • Initiated applications and Performance reviews - nature of business and needs analysis
  • Apply credit process and policy in assessing information, validate collateral cash/capital holdings
  • Manage risks obtained from Credit Risk rating tools, such as EAD, FR(financial risk), LGD(loss given default) and concentration of risk
  • Prepare Risk Handover reports - Watchlist clients and downgrade accounts
  • Managed credit information, compliance and risk monitoring and change in risk ie
  • Warning/trigger high risk report
  • Analyzed debtors / creditors age analysis, financial statements performance and management accounts
  • Collected review and excess fees, manage limit changes
  • Drove and project managed internal controls, compliance, legislation and audit processes
  • Led account investigations, anomalies and event management

CREDIT ANALYST

Nedbank
04.2015 - 05.2017

CREDIT ADMINISTRATOR

Nedbank
10.2012 - 03.2015
  • Reported on Portfolio and Account management
  • Business Credit reviews and applications
  • Facilitate compliance and request Transunion/credit reports and validations
  • Account management: draft and send out warning letters, clear and return cheques to restore accounts, re-pricing interest charges, load and cancel limits
  • Monitor conditions of approval and statutory requirements
  • Analyze debtors (age-analysis) lists, annual financial statement and management accounts
  • Measurement of debtor covenants and reconcile accounts
  • Compile Certificate of Balances for Auditors
  • Request and offer bank codes (Interbank)
  • Draft and manage legal and security agreements / documents
  • Adhere to prescribed deadlines
  • Reason for leaving: Promotion

SECURITIES ADMINISTRATOR

Nedbank
06.2008 - 09.2012
  • Surrendering/part surrender policies and investments to recover financial write-offs
  • Noted cessions on policies, pledge investments, quoted scripts
  • Attended to Recoveries: called up overdrawn overdraft current accounts
  • Monitored and recovered funds from call ups through pay-outs from insurance companies
  • Drafted, consolidated and audited current accounts, student loan, book debtors, and investment documents and collateral
  • Released and despatched securities back to client or to Legal
  • Issued cancellation letters
  • Captured, archive legal documents incoming mail
  • Follow up on outstanding securities/collateral and queries
  • Reason for leaving: Career Growth

Education

95 -

Business Analyst Certificate: FTI - undefined

National Diploma - Financial Accounting

APMG International (AGILE) Foundation Certificate - undefined

Diploma - Project Management

Skills

  • TRANSFERABLE SKILLS
  • Strong Analytical Skills
  • Accurate with Great Attention to Detail
  • Strong Communication Skills
  • Interpersonal Skills
  • Entrench, Build and Maintain Rapport with Clients and Stakeholders
  • Successful Track Record in Making Significant Contributions to Business Growth
  • Data analysis
  • Data Mapping
  • Test case scenarios
  • Workflow Analysis
  • Operations analysis
  • Negotiation
  • Business planning
  • SQL and databases
  • Competitive analysis
  • Project Management
  • Gap analysis
  • Consulting
  • Needs assessments
  • Strategic planning
  • Business process mapping
  • Product development

References

REFERENCES: CHRISTINE LUKWAGO (CREDIT MANAGER) 084 601 7090

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse

Timeline

BUSINESS ANALYST

WHOLESALE FINANCE
01.2019 - Current

05.2017 - 01.2019

CREDIT ANALYST

Nedbank
04.2015 - 05.2017

CREDIT ADMINISTRATOR

Nedbank
10.2012 - 03.2015

SECURITIES ADMINISTRATOR

Nedbank
06.2008 - 09.2012

95 -

Business Analyst Certificate: FTI - undefined

National Diploma - Financial Accounting

APMG International (AGILE) Foundation Certificate - undefined

Diploma - Project Management

Similar Profiles

CREATE PROFILE
KARABO DESIREE MOTHAPO