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Langutani Synod Nkwinika
Credit Risk Analyst
Pretoria
Summary
- Proven expert in Risk Assessment and Strategic Development, with a track record of optimizing operational efficiencies by over 20% at City Of Tshwane Municipality. Excels in leveraging Financial Analysis and Critical Thinking to drive results, enhance portfolio performance, and foster client relations.
- Demonstrates a strong ability to lead teams and innovate risk management practices. Logistic Officer with of years of experience developing project-relevant insights from information and research for strategic procurement. Strong capacity to deliver logistical support and inventory management. Energetic self-starter with excellent communication skills.
- Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Overview
9
9
years of professional experience
1
1
Language
Work History
Logistics Officer
City Of Tshwane Municipality
02.2021 - Current
- Developed logistical checklists to guide activities support.
- Managed functional areas of logistics.
- Reduced transportation costs with effective route planning and carrier negotiations for streamlined delivery operations.
- Improved shipment tracking capabilities by implementing real-time visibility tools for accurate status updates from origin to destination.
- Provided procurement of goods, provision of transportation services, tracking of movement and change to support safe and secure operations.
- Collaborated closely with sales teams to align logistic strategies with customer requirements, ensuring optimal service levels and positive client experiences.
- Managed logistics assets for timely and cost-effective delivery of cargoes.
Internal Revenue Agent
City Of Tshwane Municipality
01.2018 - Current
- Negotiated payment plans with taxpayers, facilitating the resolution of outstanding liabilities in a timely manner.
- Evaluated taxpayer documentation, ensuring adherence to relevant regulations and laws.
- Collaborated effectively with other federal agencies during joint investigations, ensuring smooth coordination between all parties involved.
- Streamlined auditing processes for improved efficiency and accuracy in identifying discrepancies.
- Identified potential areas of non-compliance by analyzing financial statements and related documents.
- Developed customized financial solutions to meet individual client needs, driving revenue growth for the company.
- Maintained accurate records of church membership, attendance, and financials, enabling informed decision-making by leadership.
- Ensured compliance with all local, state, and federal reporting requirements related to student data management, financial accountability, and program effectiveness.
- Ensured adherence to federal banking regulations, mitigating operational risks and maintaining a safe financial environment.
- Maintained accurate financial records using advanced accounting software, enabling efficient reporting capabilities for stakeholders.
- Collaborated with research analysts to make informed trading decisions based on comprehensive financial analysis.
Credit Risk Analyst
City Of Tshwane Municipality
09.2015 - Current
- Identified potential risks by analyzing trends in industry-specific data and market fluctuations.
- Reduced credit risk by implementing comprehensive risk assessment strategies.
- Organized and finalized loan applications for underwriter review.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Streamlined the loan approval process through effective communication between underwriters, sales teams, and clients.
- Checked appraisals, title information and insurance documents for each property.
- Optimized internal controls within the organization''s credit processes by implementing robust systems checks and balances.
- Enhanced portfolio performance with diligent monitoring and proactive risk mitigation measures.
- Collaborated with cross-functional teams to ensure alignment of risk management policies and procedures.
- Participated in due diligence activities during mergers or acquisitions, assessing potential target companies'' credit portfolios for integration compatibility.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Negotiated with delinquent borrowers to reach mutually beneficial repayment arrangements, minimizing losses and maintaining positive customer relationships.
- Optimized credit approval and collection processes, improving operational efficiencies by over [Number]%.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Influenced changes in lending practices by staying abreast of regulatory requirements and best practices within the industry.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Adhered to banking standards and government lending guidelines for loan services.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Used [Software] and [Software] to perform credit appraisals, document verification and loan approvals.
- Recognized potential problem loans early, facilitating prompt corrective actions that mitigated losses for the organization.
- Developed risk models for accurate credit scoring and improved decision-making processes.
- Performed stress testing scenarios to assess the impact of adverse market events, ensuring adequate capital reserves were maintained.
- Championed a culture of risk awareness within the organization by sharing insights and fostering open communication between departments.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Investigated and resolved customer disputes related to credit decisions.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Improved understanding of financial statements, which helped in assessing risk.
- Performed credit reviews on corporations to assess financial conditions.
Education
No Degree - CFA Level 1
Institute of Chartered Financial Analyst CFA
915 East High Street Ste. 100. Charlottesville, VA 04.2001 -
Bachelor of Science - Risk Management
University of South Africa
Pretoria, South Africa 04.2001 -
Skills
- Warehouse Management
- Logistics Management
- Client Relations
- Portfolio construction
- Asset Allocation
- Wealth Management
- Trading strategies
- Economic forecasting
- Technical Analysis
- Equity Valuation
- Fundamental Analysis
- Fixed Income Analysis
- Financial Analysis
- Decision-Making
- Team Building Leadership
- Problem-solving abilities
- Strategy Development
- Relationship Building
- Goal Setting
- Data Analysis
- Risk Assessment
- Customer Service
- Critical Thinking
- Investment strategy
Software
Interests
Stock Market and selling
Chess and Tennis
Fundamental chess skills.
Intermediate-Advanced Player: Has dependable strokes, including directional control and depth on both forehand and backhand sides plus the ability to use lobs, overheads, approach shots and volleys with some success.
Timeline
Logistics Officer
City Of Tshwane Municipality
02.2021 - Current
Internal Revenue Agent
City Of Tshwane Municipality
01.2018 - Current
Credit Risk Analyst
City Of Tshwane Municipality
09.2015 - Current
No Degree - CFA Level 1
Institute of Chartered Financial Analyst CFA
04.2001 -
Bachelor of Science - Risk Management
University of South Africa
04.2001 -
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