REYVANI NAICKER

Work History

FNB Commercial

09.2018 - Current

Managing portfolios with a combined value of ~R14 billion. Franchise Portfolio ~R7 billion, Leverage Finance portfolio ~R5.8 billion and Structured Trade & Commodity Finance portfolio ~R1 billion.
Developing frameworks to align to the banks senior debt lending principles, stretching credit appetite as deemed appropriate, whilst mitigating the overall credit risk for a particular portfolio.
Developed strong organizational and communication skills through coursework and volunteer activities.
Exercise leadership capabilities by successfully motivating and inspiring others.
Proven ability to learn quickly and adapt to new situations.
Use critical thinking to break down problems, evaluate solutions and make decisions.
Participate in team projects, demonstrating an ability to work collaboratively and effectively.
Identify issues, analyze information and provided solutions to problems.
Provide training tools and distribution of industry updates and frameworks to the business ensuring internal customers are kept abreast of relevant news.
Maintain and review the Franchise sector Portfolio and Credit Policy annually, ensuring accurate portfolio identification and managing risk appetite within the sector.
Keeping abreast of new brand entrants into the Franchise market in line with the Niche growth strategies of the Bank.
International exposure through engagement with Broader Africa teams on Franchise and Structured Trade structures.

FNB Private Bank

07.2017 - 08.2018

Managed a R50 billion credit portfolio across private banking including ultra high networth individuals.
Resolved problems, improved operations and provided exceptional service.
Strengthened communication skills through regular interactions with others.
Demonstrated strong organizational and time management skills while managing multiple projects.
Exercised leadership capabilities by successfully motivating and inspiring others.
Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
Delivered services to customer locations within specific timeframes.

FNB Commercial

12.2014 - 06.2017

Resolved problems, improved operations and provided exceptional service.
Proven ability to learn quickly and adapt to new situations.
Demonstrated strong organizational and time management skills while managing multiple projects.
Gained extensive knowledge in data entry, analysis and reporting.
Strengthened communication skills through regular interactions with others.
Acted as a team leader in group projects, delegating tasks and providing feedback.
Provided professional services and support in a dynamic work environment.
Learned and adapted quickly to new technology and software applications.
Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
Self-motivated, with a strong sense of personal responsibility.
Demonstrated leadership skills in managing projects from concept to completion.

FNB Commercial

09.2009 - 06.2014

Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Provided training and consulted with struggling teams to help meet monthly target goals.
Investigated and evaluated customers for creditworthiness and potential risk factors.
Monitored accounts for signs of fraud and non-payment issues.
Referred delinquent accounts to collections department or outside resources.
Work cross-functionally with sales, management, and other departments to maintain effective operations.
Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
Obtained and interpreted financial statements to assist in credit limit reviews.
Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
Performed annual account credit limit reviews and credit increase review requests from financial service and sales teams.
Collaborated with management to evaluate credit strategies and develop improvements.