Michelle Oelofse

To carry out quality risk assessments, client strategy formulation, client interaction and delivery of turnaround and managed strategies to a portfolio of customers experiencing financial stress, which are defined as Warning List 2 or worse. This is in a Credit environment and will include Credit Risk Management, People Management, Stakeholder Management and Governance

• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Work cross-functionally with sales, management and other departments to maintain effective operations.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Oversaw reporting, documentation and recordkeeping requirements
• Assessed Credit proposals for approval or decline within a mandate allocated.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Made decisions and recommendations about extending lines of credit within mandate given.
• Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
• Performed credit reviews on corporations to assess financial conditions.
• Conducted presentations to upper management and executive teams for loan recommendations.

• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
• Obtained and reviewed credit reports, credit references and financial statements to establish credit limits for commercial clients
• Undertook Credit Assessments of a portfolio of Business accounts for new business, increases in facilities, reviews of facilities within a mandate allocated

• People management - in charge of a credit department of 2 people and had 4 Relationship managers reporting to me for credit related matters.
• working within a mandate to approve and review credit applications.
• responsible for credit training

• Skilled at working independently and collaboratively in a team environment.
• Self-motivated, with a strong sense of personal responsibility.
• Proven ability to learn quickly and adapt to new situations.
• Worked well in a team setting, providing support and guidance.
• Worked in the branch Network until 1992 and thereafter worked in a head office environment in Credit Sanctioning. Branches had sanctioning limits in those days and head office credit received credit applications for limits above those of the Branch Managers