Tebuho Sibanda
Credit Manager
Randburg
Summary
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth. Tebuho boast twelve years banking and lending experience, which includes nine years working knowledge in credit origination and credit risk management in a mortgage lending space. Tebuho' skills in credit includes credit origination in structured lending space, ongoing risk management up to legal ,distressed debt restructuring and relationship management. Experience includes providing funding solutions to affluent and wealth clients who want to finance acquisition of existing residential property, develop a new property and or refinance existing property as primary residence, holiday home or investment property. In addition to the experience, Tebuho also hold a BCOM Finance degree and in partial fulfillment of Masters Business Administration. Tebuho is also FAIS (Financial Advisory and Intermediary Services Act) compliant with RE5, referring to legal compliance to give financial advisory. Involvement in lending has given Tebuho working knowledge of the NCA (National Credit Act) and other pieces of legislation governing lending to different entities among other skills.
Overview
12
12
years of professional experience
6
6
years of post-secondary education
Work History
Credit Manager- FNB/ RMB Private Banking
First National Bank/ Rand Merchant Bank
Sandton
1 2019 - 8 2023
- Deal structuring and credit origination.
- Participate in credit committee deal sanctioning and decisions.
- Daily analysis of up to 12 complex lending Juristic/juristic linked applicants' financial status , credit profile and property evaluations to determine loan feasibility.
- Investigating and evaluating clients for creditworthiness and potential risk factors.
- Managing the entire end-to-end credit approval process from application review through contract and pricing negotiation and final execution.
- Conducting comprehensive financial analysis to assess creditworthiness for both new and existing clients.
- Provide competitive funding solutions bearing in mind the appetite of competitors and make sure main banked clients retention strategies are upheld.
- Collaborating with management to evaluate credit strategies and developing improvements.
- Ongoing risk management: Portfolio management- assisting wealth bankers with ongoing risk management and performance of existing book and setting up risk mitigation strategies.
- Attending risk meeting and advising sales teams and collections officers on risk mitigation solutions.
- Assisting clients with debt optimization / debt restructuring.
- Dealing with life happens solutions for clients and restructuring facilities or finding an exit strategy solution.
- Distressed client solutioning.
- Collaborating with both internal and external stakeholders , management and maintaining sustainable relationships to make sure client expectations are met within record turnaround times.
- Development self: Utilize deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Attending ongoing professional training to facilitate accurate and productive credit management.
- Mentoring junior team members in credit management best practices to enhance overall department performance.
Credit Analyst- FNB Private Banking
First National Bank
Fairland
06.2017 - 12.2018
- Reviewing credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Daily analysis of up to 18 vanilla self employed and salaried clients' credit scores to determine borrowers' creditworthiness.
- Assessment of client's credit risk and analysing customer data such as financial statements to determine sustainability of cash flows and level of risk involved for extending credit.
- Making sound and informed judgement in making credit decisions for both Salaried & Self-Employed applicants
- Make decisions on all facility requests within LDA (Limit Discretionary Authority) and analyse facility requests outside LDA with recommendation to management.
- Assisting Private Wealth & private client business partners with credit decisions and application of credit policy.
- Cultivate and manage objective working relationships with all stakeholders.
- Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Assessed credit risk and analyzed financial statements.
Credit Portfolio Analyst- FNB Homeloans
First National Bank
Fairland
10.2014 - 05.2017
- Credit assessments on existing business for single facility product.
- Make informed credit decisions.
- On going Credit risk management.
- Management of collection process of up to 30 clients per day ,up to pre-legal, to increase efficiencies and recovery and collection of delinquency amounts.
- Debt restructuring and consolidation.
- Analyse bulky items report for possible Money laundering.
Senior Sales and Service Consultant
First National Bank
Johannesburg
08.2011 - 09.2014
- Achieve net profit growth for business.
- Achieve delivery of exceptional customer experience against balanced scorecard standards.
- Converting identified leads into successful sales.
- Generating sales and consistently met or exceeded sales targets for both consumer and business banking products and per product quadrant by identifying up-selling opportunities during client interactions.
- Conducting comprehensive needs assessments to identify areas for service improvement and tailored solutions accordingly.
- Furnishing clients with advice concerning financial product that suit their needs.
- Negotiating Investment Quotations on behalf of clients.
- Providing information about service procedures and expected timelines.
- Discuss available options with clients and determined appropriate solution.
- Providing exceptional support to customers, resulting in significant decrease in complaint rates to zero.
- Develop strong relationships with clients, leading to increased loyalty and repeat business.
Education
MBA - Business Administration And Management
WITS Business School
Johannesburg 06.2021 - 12.2024
Honours BCOM Finance - Finance
National University of Science & Technology
Bulawayo 08.2000 - 11.2004
GED -
Mzingwane High School
Esigodini 01.1998 - 12.1999
Skills
Deal Structuring -Assist Private wealth bankers in pre-screening and deal structuring
Financial Statement and Industry Analysis- ability to performing financial statements analysis, ratio analysis and industry analysis for different entities and sectors
Credit analysis - research and analysis of credit data and scenarios given different situations including changing economic environments and geopolitical settings
Risk Analysis-Risk assessment and risk mitigation
Relationship Management- attained skills in stakeholders management from Private bankers, divisional heads, Mortgage Originators and valuation teams
Presentation: Unpacking case/deal and case discussions
Legal Frameworks- Keep up to date with changes in legislation like companies ACT, National Credit Act and other pieces of legislation affecting lending
Software: MS Office: Word, Excel, Power Point, Publisher, MS Teams, Zoom Credit related and other application Software: eCFA, Pyramid, Lotus Notes, Optimus reports, Property Valuation Network, Experian, WinDeed
Sales and cross selling of both consumer and commercial products
Primary mobile
+27 81 708 6328
Secondary mobile
+27 68 768 0382
Professional Highlights
- Judgmental Credit manager, FNB / RMB Private banking, 2019-2023
- Credit Analyst, FNB Private banking, 2017-2018
- Credit Analyst, FNB Homeloans, 2014-2017
- Senior Sales and Service Consultant, FNB City Deep, 2011-2014
- Educator Economics& Accounting, Gauteng Department of Education, 2008-2011
- Bookkeeper, Spar retail, 2005-2006
- Trainee Bookkeeper, World Vision International, 2002-2003
Timeline
MBA - Business Administration And Management
WITS Business School
06.2021 - 12.2024
Credit Analyst- FNB Private Banking
First National Bank
06.2017 - 12.2018
Credit Portfolio Analyst- FNB Homeloans
First National Bank
10.2014 - 05.2017
Senior Sales and Service Consultant
First National Bank
08.2011 - 09.2014
Honours BCOM Finance - Finance
National University of Science & Technology
08.2000 - 11.2004
GED -
Mzingwane High School
01.1998 - 12.1999
Credit Manager- FNB/ RMB Private Banking
First National Bank/ Rand Merchant Bank
1 2019 - 8 2023