NZUMBULULO TSHIBUBUDZE
Credit Analyst
Pretoria,GP
Summary
Professional with strong analytical skills and background in financial assessment. Adept at evaluating creditworthiness and managing risk, bringing high level of precision to financial analysis and reporting. Known for effective team collaboration and flexibility, ensuring reliable support in dynamic environments. Proficient in financial modeling, credit risk analysis, and market research, with focus on achieving measurable results.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Scored Lending Strategy, Credit Analyst
Standard Bank of South Africa
04.2025 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Made decisions and recommendations about extending lines of credit.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Developed customized financial models to assess borrower''s capacity, ensuring accurate credit evaluation.
- Streamlined data collection and analysis procedures, increasing efficiency and accuracy of credit reports.
Business Credit Customer Strategy, Credit Analyst
Standard Bank of South Africa
12.2023 - 03.2025
- Employed sophisticated data analysis methods such as predictive modeling, machine learning algorithms, and statistical analysis to delve into the commercial asset finance book's performance.
- Utilized historical data and market trends to forecast future performance and identify potential risks and opportunities within the portfolio.
- Conducted scenario analysis and stress testing to assess the resilience of the portfolio against various economic scenarios and external shocks.
- Collaborated with various departments including risk management, finance, sales, and operations to gather relevant data and insights for comprehensive analysis.
- Worked closely with credit risk analysts to evaluate the creditworthiness of borrowers and assess the overall credit risk exposure of the portfolio.
- Engaged with sales teams to understand market dynamics and tailor strategies to address specific customer needs while managing credit risk effectively.
- Provided strategic insights to senior management based on rigorous analysis of the commercial asset finance book's performance and credit risk metrics.
- Identified emerging trends and potential areas of concern, enabling proactive decision-making to mitigate risks and capitalize on opportunities.
- Evaluated the impact of proposed strategic initiatives on the portfolio's performance and recommended adjustments to optimize outcomes.
- Developed and implemented risk mitigation strategies in collaboration with cross-functional teams to enhance the overall credit quality of the portfolio.
- Established credit policies and procedures to ensure prudent risk management practices and compliance with regulatory requirements.
- Monitored key risk indicators and performance metrics regularly to track the effectiveness of risk mitigation efforts and make adjustments as needed.
- Prepared comprehensive reports and presentations summarizing findings, insights, and recommendations for senior management and key stakeholders.
- Clearly communicated complex analytical findings in a concise and actionable manner, highlighting implications for business strategy and decision-making.
- Facilitated discussions and workshops with senior management to review findings, solicit feedback, and drive consensus on recommended actions for continuous improvement.
Business and Commercial Banking, Graduate Trainee
Standard Bank
03.2022 - 11.2023
- Proficient in collecting and analyzing data from various banking operations to generate comprehensive reports, providing valuable insights into performance, risk assessment, and operational efficiency.
- Developed and implemented automated reporting processes using Power BI, streamlining data visualization and analysis, reducing manual effort, and ensuring timely delivery of accurate reports to stakeholders.
- Actively engaged in continuous learning to deepen understanding of banking operations, including retail banking, corporate banking, risk management, compliance, and regulatory requirements, enhancing overall knowledge and proficiency in the field.
- Skilled in effectively communicating complex data analysis findings and insights to stakeholders, utilizing clear and concise presentations tailored to the audience's level of understanding, facilitating informed decision-making and strategic planning.
- Successfully completed a comprehensive course designed for graduates, covering key topics in banking operations, financial analysis, regulatory compliance, and professional development, demonstrating commitment to ongoing learning and career advancement.
- Proactively engaged in building and maintaining relationships with key stakeholders, including internal teams, clients, regulatory bodies, and industry professionals, fostering collaboration, knowledge sharing, and opportunities for professional growth and development.
- Developed Qlik Sense models for product monitoring and the other for business application templates using the Qlik NPrinting.
- Supporting and maintaining Qlik Sense dashboard (Business Pro-Act Application Templates, Product Monitoring, Product Monthly Snapshot).
Inkanyezi Absa IT Audit Learning Programme
Absa Group
03.2021 - 10.2021
- Areas of learning:
- Technology General Controls
- Application Controls & Automation
- Data Analytics
- Future Tech and Digital
- Cyber Security Organization
- Conflict handling
- Effective communication
- Resilience & BCM Fundamentals
- Change Audit
- Third Party Supplier Management
Education
Bachelor of Science - Mathematics and Computer Science
University of Johannesburg
Auckland Park, South Africa 04.2001 -
National Senior Certificate - Bachelors admission (Matric / Grade 12)
Tondalushaka Secondary School
01.2008
Skills
Attentive listener with problem-solving focus
References
- Tshepo, Mphongo, Senior Manager, Scored Lending Strategy, Tshepo.Mphogo@standardbank.co.za, 0718707358, Standard Bank of SA
- Kgotso, Nyamande, Senior Manager, Unsecured Lending, kgotso.nyamande@standardbank.co.za, 0718707358, Standard Bank of SA
- Thabane, Gali, Manager, Portfolio, Business Lending, thabane.gali@standardbank.co.za, 0726734471, Standard Bank of SA
EXTRA MURAL ACTIVITIES
Studytrust Industry Mentor: Assisting Final year and post-graduate with relevant industry insight as well as guidance on their academics and how to apply for graduate programmes.
Certification
Accelerated Graduate Development programme (The Management Agility and Digital business Agility)
Hobbies
Reading, Hiking
Timeline
Scored Lending Strategy, Credit Analyst
Standard Bank of South Africa
04.2025 - Current
Business Credit Customer Strategy, Credit Analyst
Standard Bank of South Africa
12.2023 - 03.2025
Accelerated Graduate Development programme (The Management Agility and Digital business Agility)
03-2023
Business and Commercial Banking, Graduate Trainee
Standard Bank
03.2022 - 11.2023
Inkanyezi Absa IT Audit Learning Programme
Absa Group
03.2021 - 10.2021
Bachelor of Science - Mathematics and Computer Science
University of Johannesburg
04.2001 -
National Senior Certificate - Bachelors admission (Matric / Grade 12)
Tondalushaka Secondary School