Robin Nompumelelo Sidu
Credit Assessor
Johannesburg
Summary
A highly motivated banking professional with 10 years experience in retail banking , customer service and credit assessment. Expert in evaluating credit worthiness , mitigating risk and building strong client relationships within top tier financial institutions like Standard Bank and Discovery Bank . Proven track record of exceeding sales targets and delivering exceptional service in high pressure environments. I am FAIS and RE 1 compliant.
Overview
11
11
years of professional experience
Work History
Credit Assessor
Discovery Bank
09.2022 - 02.2026
- Evaluated credit worthiness by performing deep dive analysis of applicant income , employment status and debt- income ratios.
- Reviewed financial documentation including bank statements and payslips to ensure accuracy and fraud prevention .
- Utilized credit reports and scoring models to determine risk levels and make informed credit lending decisions .
- Collaborated with mandate assessors to provide recommendations on complex credit applications.
Homecoming
Standard Bank
03.2020 - 07.2021
- Same as Universal Banker Role except done telephonically not Face to Face
- Log queries on customer 1st and make follow ups
- Work with Voice Branch (call centre-Inbound) for transferring of clients, take ownership of client complaints and attend to sales demands
- Outbound sales Request: Handle calls via dialer (Avaya) to position products in order to achieve sales targets. Follow and log stipulated process to complete the sale.
- Follow relevant risk and compliance procedures, work instructions and business requirements
- Work required shifts Monday-Saturday to ensure availability for customers
Universal Banker
Standard Bank
01.2019 - 01.2021
- Open accounts for new customers and prepare new account paperwork, applications and request the required identification
- Identify the needs of new and existing customers and offer appropriate services currently available
- Provide additional information to customers regarding promotions, contests and new account options
- Promote and upsell credit cards available through the financial industry as well as banking services to current and potential customers
- Assist in community awareness events to increase bank outreach and foster new business opportunities
- Answer questions and customer concerns regarding checking and savings accounts
- Proactively identify and inform customers of account status deficiencies and disputed transactions while providing options to resolve
- Process and post various loan payments, record information in the database and issue a receipt confirming the transaction
- Authorizing and Evaluating credit facilities.
Consultant Frontline
Standard Bank
01.2017 - 01.2019
- Attend to client queries accurately and timelessly
- Provide service, administrative duties, address customer enquiries and resolve customer issues
- Mitigate risk and contribute to branch objectives, Identify opportunities to offer information and product or service suggestions based on a customers needs.
- Updating and making changes to customers accounts, adhering to Risk Mitigation.
- Document all customer interactions ensure that all records are accurate and up to date, handle difficult customers and ensure good customer experience.
- Dealing with stressful situations and emergencies in a professional manner, providing feedback, doing follow ups ensuring customers concerns are promptly addressed.
Enquiries
Standard Bank
04.2016 - 01.2017
- Handle express client needs, Quick and sufficient in attending to clients needs and processing transactions, good communication skills, filling and balancing of cards and mandates, Ordering of cards and updating on the system daily, Give sales support.
- Managing client bank accounts ,including opening and closing accounts, and overseeing transactions.
- Performing administrative duties such as data entry and filing.
Cash Consultant Trainee
Standard Bank
01.2015 - 09.2015
- Customer understanding, Product knowledge, Processing of cash transactions, Customer acceptance and Review
- Understanding Banking Processes and Procedures, Be the heart of Customer Experience, Cross sell, Refer clients to relevant department for assistance
Education
FAIS047G2_Agile Banking Professional qualification - undefined
Cornerstone
01-2022
Regulatory Examination (RE1) - undefined
Financial Planning Institute of South Africa
01-2017
Grade 12 - English, Afrikaans, Mathematical literacy, Business studies, Life Sciences, Accounting
Bracken high school
Skills
Credit and Risk : Credit assessment , income analysis, Risk mitigation, FICA/KYC compliant
Banking Operations : Universal Banking, Cash management , Account maintenance and Loan processing
Client Relations: Relationship management , conflict resolution sales and cross selling
Systems : Avaya (Dialer) , Customer 1st , SAP netweaver
Timeline
Credit Assessor
Discovery Bank
09.2022 - 02.2026
Homecoming
Standard Bank
03.2020 - 07.2021
Universal Banker
Standard Bank
01.2019 - 01.2021
Consultant Frontline
Standard Bank
01.2017 - 01.2019
Enquiries
Standard Bank
04.2016 - 01.2017
Cash Consultant Trainee
Standard Bank
01.2015 - 09.2015
FAIS047G2_Agile Banking Professional qualification - undefined
Cornerstone
Regulatory Examination (RE1) - undefined
Financial Planning Institute of South Africa
Grade 12 - English, Afrikaans, Mathematical literacy, Business studies, Life Sciences, Accounting
Bracken high school