Phiwayinkosi Mtshali
Commercial Business Manager
KwaDukuza
Summary
Dynamic Business Manager with a proven track record at First National Bank, adept in credit analysis and portfolio growth, managing assets between R1 million and R10 million. Excelled in client satisfaction through effective negotiation and financial management. Skilled in Microsoft Excel and a collaborative team player, I bring a blend of technical proficiency and interpersonal skills to exceed employer expectations.
Overview
12
12
years of professional experience
Work History
Business Manager
First National Bank
06.2023 - Current
- Analyzing of credit assessments regarding overdraft facilities, business Loans, asset finance, guarantees, etc. Analyse Financial Statements, debtors' schedules and Management
- Maintaining and growing of credit portfolio of client turning between R1 million rands and R10 million rands through proactive sales strategy.
Business Banker
First National Bank
06.2021 - 06.2023
- Managed a diverse portfolio of clients turning less than a million rand turnover, ensuring their financial needs were met and exceeded.
- Fostered a positive work environment by actively participating in team meetings and sharing ideas for process improvements.
- Negotiated favorable loan terms on behalf of clients, contributing to increased client satisfaction rates.
- Reviewed deposit profitability analysis and outlined strategies to bring unprofitable accounts back to productive status.
Sales Consultant
First National Bank
05.2012 - 06.2021
- Advised clients on appropriate product selections based on their unique needs, ensuring optimal satisfaction levels upon purchase.
- Used consultative sales techniques to understand customer needs and recommend relevant products and services.
- Responded to telephone and in-person requests for information.
- Provided sales and customer service assistance to walk-in traffic
Education
Post-Graduate Certificate in Education - Accounting
University of South Africa
Durban, South Africa 04.2001 -
National Diploma - Accounting
Durban University of Technology
Durban, South Africa 04.2001 -
Skills
Computer literacy, Microsoft excel and Microsoft word
Good telecommunication skills
Good management skills
Team player
Auditing background and knowledge and its part of my major subjects
References
1. Kemsely Grantham (FNB Commercial deal maker) 081 741 9827
2. Inder Singh (FNB Business manager) 076 289 3839
2. Busisiwe Mkhize (FNB Admninistrator) 087 345 0720
Timeline
Business Manager
First National Bank
06.2023 - Current
Business Banker
First National Bank
06.2021 - 06.2023
Sales Consultant
First National Bank
05.2012 - 06.2021
Post-Graduate Certificate in Education - Accounting
University of South Africa
04.2001 -
National Diploma - Accounting
Durban University of Technology
04.2001 -
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