Summary
Work History
Education
Skills
Timeline
Generic

Nicole Merand

Administration/Data Entry
Cape Town

Summary

Dynamic Credit Manager with a proven track record at Apple Tool & Gas, enhancing credit risk management by implementing strategic policies, leading to a significant reduction in potential risks. Expert in financial analysis and adept at relationship building, I excel in navigating complex credit evaluations and fostering business development. Skilled in fraud knowledge and staff management, I drive operational excellence and financial integrity.

Work History

Credit Manager

Apple Tool & Gas
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
  • Improved credit risk management by implementing effective underwriting policies and procedures.

Education

Matric - 12

Hottentots Holland High School
Cape Town, South Africa
03.2013

Skills

Fraud knowledge

Investigations

Expertise in Software

Risk mitigation

Credit reports

Authorizations understanding

Proficient in Language

Sales proficiency

Performance monitoring

Policy application

Strategic and financial planning

Data trending

Staff Management

Bank security expert

Relationship building and management

Human resources knowledge

Reporting familiarity

Sales professional

Financial analysis and reporting

Budget forecasting

Familiar with account coding

Cash handling expertise

Business development expertise

Business Development

Cost control and reduction

Timeline

Credit Manager

Apple Tool & Gas

Matric - 12

Hottentots Holland High School
Nicole MerandAdministration/Data Entry