Marcia Litshani Ndou
Senior Credit Manager
Pretoria
Summary
Dynamic Senior Credit Manager with extensive experience in credit management and a proven track record of enhancing and implementing effective credit policies. Expertise in risk management and streamlining credit approval processes consistently contributes to enhanced financial stability. Recognized for strong leadership skills and a keen ability to analyze financial data, driving team performance and strategic decision-making. Results-oriented professional poised to take on senior-level responsibilities and deliver impactful solutions in credit management.
Overview
22
22
years of professional experience
1
1
Language
Work History
Senior Credit Manager Retail Judgmental Credit (Private Wealth)
First National Bank (FNB) Menlyn
01.2022 - Current
- Personal mandate of approving a single facility of R15m and total group exposure of R30m (equivalent to Regional Head of Credit Mandate).
- Leading and managing a team of 10 individuals as Credit Pillar (2IC).
- Drive an increase in the average balance of assets as defined in the financial performance report for the business.
- Reduce the percentage of non-performing loans as a percentage of the total performing book based on the business's performance.
- Reduce bad debts as a percentage of performing loan utilisation based on effective lending principles applied during the approval.
- Delivering exceptional Credit service that exceeds customers' expectations through proactive, innovative, and appropriate solutions
- Audit findings comply with governance in terms of legislative and audit requirements and prudential limits.
- Assess credit applications and decide to approve or decline within own mandate.
- Make recommendations for applications mandated to Credit Pillar, Regional Head of Credit, Internal Credit Committee, Very Important Committee, and Debt Restructuring Committee.
- Ensure average approval turnaround time against the target to ensure retention of clients.
- Cultivate and manage objective working relationships with a variety of stakeholders.
- Ensure average approval turnaround time against the target to ensure retention and acquisition of clients.
- Provide training to the relevant stakeholders on credit-related matters and technical support to regions in respect of credit loan applications.
- Upskilling and coaching junior Credit Managers.
- Maintenance of expert knowledge on relevant legislative amendments, industry best practices, and provision of proactive advice and solutions to relevant stakeholders.
Credit Manager Corporate Banking Secondary Agricultural Credit
Land and Agricultural Development Bank of South Africa (Land Bank) Centurion
09.2012 - 01.2022
- Responsible for managing and making decisions on the credit assessment processes, making recommendations on the granting of credit on all applications received from Corporate Banking and Structured Investment to the Executive Credit Committee (CRMC) for final approval for new and existing facilities.
- Decline transactions if not bankable applications before escalating to the relevant committees.
- Provide bankable solutions to Corporate Banking and Structured Investments.
- Manages and mitigates potential risks for the Bank within the approved mandate of the Land Bank and acceptable risk appetite in accordance with the approved Credit Policy by reviewing deals and providing appropriate and bankable structures to suit both the Bank and Client, if necessary, proposing more risk-effective deal structures.
- Prepares credit executive summary and presents to Lending Committee (CRMC, CIC) with clear recommendations, with conditions of approval, financial covenants to manage risk. Ensure that relevant management information is captured to produce the CROM report and ERCO report.
- Manage Credit and Risk Management Committee processes and policies and guide the chairperson and other committee members.
- Manage Credit and Investment Committee processes in conjunction with the Board Secretariat.
- Manage the CRMC records (attendance register and declarations, agenda, minutes, decision forms, risk ratings) and safekeeping of all CIC and Full Board decisions to adhere to the governance procedures.
- Actively provide input in the review and or improvement of the Credit policy and Procedures to enhance and ensure that the legal and business requirements are met.
- Provide training to the relevant stakeholders on credit-related matters and technical support to regions in respect of credit loan applications.
- Client visits as requested by stakeholders.
- No Personal mandate, committee decision mandate.
Credit Manager (Business & Agric)
ABSA Mid Corporate Credit, Pretoria Central
05.2007 - 08.2012
- Conduct timeous and quality credit assessments of clients to address the financial needs of the clients whilst ensuring that the outcome is aligned with the Bank’s risk appetite.
- Specialist assessment and recommendation to the team leader on credit applications and excess reports received from the Business unit above and own mandate.
- Ensure that credit assessments include the risk, financial, and creditworthiness of clients.
- Ensure that out-of-order, impaired, and dormant accounts are proactively managed in collaboration with the business credit solutions. Visit clients with the business banker when required to assist.
- Adhere, and comply with the Service Level Agreement (SLA) to ensure overall service delivery to the business unit, Debt Recovery Services, and other credit lending departments, and Absa external clients.
- Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment with Absa values and vision of a higher Performing Organization.
- Ensure sufficient knowledge of new developments in markets and industry trends via training, in-house correspondence, and media to enhance own efficiency and high-quality credit solutions to business units.
- Provide credit solutions for the timely rehabilitation of delinquent accounts and initiate the transfer to Business Support and /or Debt Recovery Services.
- Personal mandate of R25m.
Credit Officer
Absa Retail Credit Officer, Pretoria Central
09.2006 - 05.2007
- To manage a portfolio of accounts.
- To approve applications for the annual review of existing facilities.
- Motivate applications following ABSA policies and within the mandate level.
- Assess pay/no pay decisions and motivate the appropriate excesses.
- To provide SBU with the relevant credit support to ensure that customer focus is maintained.
- Ensure that appropriate business decisions are made within the monitoring and controlling process. Assess more difficult referrals, including contacting the customer.
- Sending CMS report to Personal Banker for Platinum accounts, which are overdrawn.
- Manage out-of-order accounts, phoning business clients with regards to the excess on the account.
Business Analyst
ABSA Business Banking, Northcliff, Cresta
04.2005 - 08.2006
- Recommend pay decisions to the Credit department.
- Resolve Queries of clients on their business cheque accounts.
- Supporting the Business Banker in maintaining and expanding a profitable relationship with an identified portfolio of clients with Medium Business acumen.
- Render an advisory support function to a team of Business Bankers and Business.
- Assisting each other to achieve the monthly targets for each team.
- Preparing applications for credit facilities following ABSA Credit Policies.
Learner Trainee Credit Manager
BANKSETA Learnership, Absa Gandhi Square
03.2004 - 03.2005
- Conduct assessment and make sound credit decisions following Absa Risk policies.
- Assess pay/no pay motivation from Business Bank Services.
- Provide Business Bank personnel with the relevant credit support. Manage out-of-order accounts with Business Bank personnel.
- Assists Business Bank personnel with structuring credit applications when needed. Visit clients with BBS personnel in line with the Customer Contact Strategy.
- Adhere to service-level agreements.
- Ensure that the quality of credit applications submitted by BBS is maintained.
Education
MBA -
Milpark Business School
Johannesburg, South Africa 04.2001 -
Post Graduate Diploma - Banking
Milpark Business School
01-2021
Advanced Certificate - Management
Milpark Business School
08-2019
Certificate - Business Management
Graduate Institute of Management and Technology
03-2005
Bachelor of Commerce - Accounting
Rand Afrikaans University (RAU) name changed to University of Johannesburg
12-2003
Matric - undefined
Tshivhase secondary school
01-1998
Skills
Credit risk assessment
Risk assessments
Credit analysis
Mentoring and training
Risk analysis
Regulatory compliance
Credit evaluations
Credit risk management
Loan decision assessments
Teamwork and collaboration
Team management
Relationship building and management
Self motivation
Attention to detail
Timeline
Senior Credit Manager Retail Judgmental Credit (Private Wealth)
First National Bank (FNB) Menlyn
01.2022 - Current
Credit Manager Corporate Banking Secondary Agricultural Credit
Land and Agricultural Development Bank of South Africa (Land Bank) Centurion
09.2012 - 01.2022
Credit Manager (Business & Agric)
ABSA Mid Corporate Credit, Pretoria Central
05.2007 - 08.2012
Credit Officer
Absa Retail Credit Officer, Pretoria Central
09.2006 - 05.2007
Business Analyst
ABSA Business Banking, Northcliff, Cresta
04.2005 - 08.2006
Learner Trainee Credit Manager
BANKSETA Learnership, Absa Gandhi Square
03.2004 - 03.2005
MBA -
Milpark Business School
04.2001 -
Post Graduate Diploma - Banking
Milpark Business School
Advanced Certificate - Management
Milpark Business School
Certificate - Business Management
Graduate Institute of Management and Technology
Bachelor of Commerce - Accounting
Rand Afrikaans University (RAU) name changed to University of Johannesburg
Matric - undefined
Tshivhase secondary school