Rudy Harold Ruiters
Karino Estate
Summary
Motivated and results-driven Senior Business Analyst with a proven track record in the banking industry. Skilled in effective communication, relationship building, and staff/client management. Over fifteen years of experience managing and performing quality credit analysis, financial analysis, and data collection to ensure top-notch credit submissions to Credit Managers and Committees.
Overview
17
17
years of professional experience
Work History
Senior Business Analyst
Land Bank
Nelspruit
01.2016 - Current
- To package the credit submission documents for Credit Committees on behalf of the business origination team
- To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office
- Financial Modelling, Analysis & Deal structuring
- To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
- The business case
- Financial statements – inclusive of cash flow projections
- Risk Considerations and Mitigation thereof
- Security and Collateral
- Development, Social and Environmental Impact considerations
- To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration
Transactional Banker
Land Bank
Middleburg/Nelspruit
02.2009 - 01.2016
- Evaluate and process loan applications
- Analyse and evaluate client’s financial statements
- Provide recommendations regarding client’s risk position and viability
- Evaluate the client’s security offered and repayment ability with regards to loan application received
- Attend to client queries and issues
- Coordinate disbursements of approved loans
- Conveyancing/liase with attorneys in instances of bond registration and cancellations
- Draw up loan document/contract documents
- General administration duties
Intern- Recoveries
Land Bank
Upington
06.2007 - 12.2008
- Recover and collect low to medium risk arrears
- Draft documents for legal action
Education
Commercial Development and Business Banking -
Batho Pele / Land Bank Learning Academy
04-2018
National Diploma - Internal Auditing
Central University of Technology (Free State)
01.2004
Skills
- Agricultural industry knowledge
- Loan application assessment
- Financial analysis
- Credit assessment
- Cultural diversity awareness
- Report writing
- Computer literacy
- MS Word
- MS Excel
- PowerPoint
- Internet
- SAP
- Customer service
Driverslicence
none (in process of obtaining)
Personal Information
- Date of Birth: 04/07/84
- Nationality: South African
References
- Pauline Tsolo, Credit Manager LandBank Northern Region, 084 599 3232
- Portia Nodangala, Mpumalanga Provincial Head, 082 774 0284
Telephone
013 754 2418
Fullnames
Rudy Harold
Languages
Afrikaans
First Language
English
Proficient (C2)
C2
Timeline
Senior Business Analyst
Land Bank
01.2016 - Current
Transactional Banker
Land Bank
02.2009 - 01.2016
Intern- Recoveries
Land Bank
06.2007 - 12.2008
Commercial Development and Business Banking -
Batho Pele / Land Bank Learning Academy
National Diploma - Internal Auditing
Central University of Technology (Free State)
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