ORATILE NEO RATLHAGANE
Loan Officer
Midrand
Summary
Highly capable finance professional with solid background in loan origination and member management. Adept at navigating complex financial regulations while maintaining keen focus on member needs and satisfaction. Known for strong collaborative skills and results-driven approach, adapting seamlessly to dynamic environments.
Overview
9
9
years of professional experience
8077
8077
years of post-secondary education
2
2
Languages
Work History
Loan Officer
SADTU Savings and Credit Cooperative Limited
Kempton Park
02.2024 - Current
- Submitted credit applications to Credit Committee for verification and recommendations.
- Assisted members in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained an extensive knowledge of current market trends and industry changes to provide accurate advice to members.
- Maintained strict confidentiality of bank records and member information.
- Ensured compliance with all regulations throughout the credit origination process.
- Developed strong relationships with members through high levels of customer service.
- Originated, reviewed, processed, closed, and administered member loan proposals.
- Educated potential members on various credit options, guiding them towards informed decisions that fit their financial goals.
- Maintained compliance with all regulatory requirements, preventing any legal or financial penalties for institution.
Loan Officer
NEHAWU Savings and Credit Cooperative Limited
Johannesburg
06.2019 - 01.2024
- Submitted credit applications to Credit Committee for verification and recommendations.
- Assisted members in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained an extensive knowledge of current market trends and industry changes to provide accurate advice to members.
- Maintained strict confidentiality of bank records and member information.
- Ensured compliance with all regulations throughout the credit origination process.
- Developed strong relationships with members through high levels of customer service.
- Originated, reviewed, processed, closed, and administered member loan proposals.
- Educated potential members on various credit options, guiding them towards informed decisions that fit their financial goals.
- Maintained compliance with all regulatory requirements, preventing any legal or financial penalties for institution.
Telesales Consultant
NEHAWU Savings and Credit Cooperative Limited
Johannesburg
10.2018 - 05.2019
- Contributed to a positive work environment by fostering strong teamwork and maintaining open lines of communication with colleagues.
- Assisted in the training, sharing knowledge on company products, services, and telesales best practices.
- Utilized time management skills to prioritize tasks and consistently meet or exceed daily call quotas.
- Demonstrated resilience and persistence in overcoming challenges, maintaining a positive attitude and unwavering commitment to achieving targets.
- Strengthened member relationships through consistent follow-ups and attentive listening skills.
- Streamlined call handling processes for increased efficiency, resulting in reduced wait times and higher member satisfaction ratings.
- Provided comprehensive product information to prospective members, leading to informed decision-making and increased membership conversions.
Student Assistant
University Of Johannesburg, Bunting Road Campus
Auckland Park
08.2016 - 11.2016
- Enhanced office efficiency by organizing and maintaining files, records, and resources.
- Greeted incoming office visitors, answered questions, and directed individuals to office locations.
- Provided excellent customer service to students and staff at the front desk, addressing inquiries and concerns promptly.
- Supported administrative staff with data entry tasks, ensuring accuracy in record-keeping systems.
- Performed clerical tasks such as photocopying, scanning documents efficiently while maintaining confidentiality when necessary.
- Completed special projects assigned by supervisors within specified deadlines while balancing regular duties effectively.
Education
Magister Technologiae - Operations Management
University of Johannesburg
Johannesburg, South Africa04-2024
Baccalaureus Technologiae - Operations Management
University of Johannesburg
Johannesburg, South Africa04-2019
National Diploma - Operations Management
University of Johannesburg
Johannesburg, South Africa05-2018
National Senior Certificate -
Hoerskool Overkruin
Pretoria, South Africa12-2013
Skills
MS Office Suite
Report writing
Regulatory compliance
Leadership
Research
Credit analysis
Continuous improvement
Team collaboration
Written communication
Interpersonal communication
Excellent time management
Customer service-focused
Loan servicing
Financial services
Attention to detail
Organizational skills
Personal Information
- Date of Birth: 05/21/94
- Gender: Female
- Driving License: Code 10 (C1)
Academic Research Topics
- ANALYSING THE IMPACT OF SERVICE QUALITY ON BUSINESS COMPETITIVENESS, Published at the Proceedings of the International Conference on Industrial Engineering and Operations Management, Washington DC, USA, September 27-29, 2018., https://ieomsociety.org/dc2018/papers/455.pdf
- QUALITY PERSPECTIVES AMONGST COOPERATIVE FINANCIAL INSTITUTIONS IN SOUTH AFRICA, Publication at the Conference on Cooperatives and the Solidarity Economy 02-03 November 2023, Johannesburg, South Africa | ISBN: 978-0-620-92748-2
Timeline
Loan Officer
SADTU Savings and Credit Cooperative Limited
02.2024 - Current
Loan Officer
NEHAWU Savings and Credit Cooperative Limited
06.2019 - 01.2024
Telesales Consultant
NEHAWU Savings and Credit Cooperative Limited
10.2018 - 05.2019
Student Assistant
University Of Johannesburg, Bunting Road Campus
08.2016 - 11.2016
Magister Technologiae - Operations Management
University of Johannesburg
Baccalaureus Technologiae - Operations Management
University of Johannesburg
National Diploma - Operations Management
University of Johannesburg
National Senior Certificate -
Hoerskool Overkruin
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