Prince Masia
Credit Manager
Johannesburg,GP
Summary
Accomplished Credit Manager at First National Bank, adept in financial credit assessment and risk mitigation. Successfully managed portfolios exceeding R60 million, enhancing regulatory compliance and cash flow management. Proven mentor and collaborator, fostering teamwork and attention to detail. Recognized for early risk identification and strategic credit decisions, driving business growth and stability.
Overview
17
17
years of professional experience
Work History
Credit Manager
First National Bank
04.2018 - Current
- Responsible for businesses with a turnover of above R60 million.
- Conduct quality credit assessments with regards to annual reviews, increases and new facilities.
- 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.
- Daily excess monitoring.
- To provide coaching and training to stakeholders. (Bankers)
- The client's visit aims to provide more depth in understanding their business to assist with the credit decision.
- Conduct regular meetings with bankers in managing the expired book.
- Early risk identification on accounts.
- Present in various credit committees for facilities approval.
- Pre-screening of new business to indicate appetite.
Credit Manager
First National Bank
10.2008 - 03.2018
- Responsible for businesses with a turnover of R60 million and below.
- Monitoring of daily overdrawn accounts.
- Credit assessment of facilities: overdraft, term debt, FEC, letter of credit, asset-based finance, debtor finance, property finance, credit card, and guarantees.
- Recommend credit approval to higher authority for facilities outside the mandate - personal mandate of R10 million.
- Provide credit training to the bankers.
- The client's visit is to gain a better understanding of their business to assist with the credit decision.
- Identify dormant accounts for closure.
Education
Certificate in Business Management (NQF Level 6) -
Graduate Institute of Management And Technology
Sandton, South Africa 04.2001 -
Bachelor of Commerce -
Vista University
Soweto Campus 04.2001 -
Skills
Financial credit assessment
Risk mitigation
Regulatory compliance
Cash flow management
Mentoring and training
Portfolio management
Teamwork and collaboration
Attention to detail
Willing to learn
Risk assessment
Timeline
Credit Manager
First National Bank
04.2018 - Current
Credit Manager
First National Bank
10.2008 - 03.2018
Certificate in Business Management (NQF Level 6) -
Graduate Institute of Management And Technology
04.2001 -
Bachelor of Commerce -
Vista University
04.2001 -