Summary
Overview
Work History
Education
Skills
Timeline
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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

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 -

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Prince MasiaCredit Manager