Travelling
Thapelo Phakisi
Credit Analyst
Bloemfontein
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
2
2
years of professional experience
4
4
years of post-secondary education
Work History
Credit Analyst
Absa Bank Limited
Bloemfontein
03.2023 - Current
- Assessed credit risk and analyzed financial statements.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Participated in loan committee meetings to provide input on lending processes.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
Credit Analyst Graduate
Absa Bank Limited
Bloemfontein
03.2022 - 02.2023
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Assessed credit risk and analyzed financial statements.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Gathered loan documentation for underwriting.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Performed credit reviews on corporations to assess financial conditions.
- Improved understanding of financial statements, which helped in assessing risk.
Education
Bachelor of Commerce (Honours) - Economics
University of Johannesburg
Johannesburg, South Africa 01.2021 - 12.2021
Bachelor of Commerce - General Studies
University of Pretoria
Pretoria, South Africa 01.2018 - 12.2020
Skills
Credit risk
undefinedInterests
Sports
Community service
Outdoor activities
Timeline
Credit Analyst
Absa Bank Limited
03.2023 - Current
Credit Analyst Graduate
Absa Bank Limited
03.2022 - 02.2023
Bachelor of Commerce (Honours) - Economics
University of Johannesburg
01.2021 - 12.2021
Bachelor of Commerce - General Studies
University of Pretoria
01.2018 - 12.2020
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