Skilled in overseeing customer credit and financial transactions, ensuring compliance with regulations, and conducting thorough credit investigations. Experienced in training staff and improving operational procedures. Proficient in evaluating creditworthiness and managing account documentation. Recipient of the 2024 Teamwork Award for significant contributions to the team.
Overview
8
8
years of professional experience
2
2
Certifications
1
1
Language
Work History
Senior Credit Analyst Permanent
Caterpillar Financial Services
02.2023 - Current
Executed activities to grant credit within acceptable risk limits to customers.
Negotiates complex financial transactions and prepares transactions for documentation and funding within the limits of authority
Negotiates changes in standard documents with legal assistance
Assists in administering wholesale and retail customer 'loan' covenant compliance reviews, including on-site record and physical machine/inventory audits
Determines customer creditworthiness, approves/rejects customer deals within approved credit authority, recommends deals beyond credit authority, and restructures customer deals
Conducts and monitors credit investigations
Assists in the documentation of retail accounts receivable, and administers in-processing, signing, and funding of documented transactions
Assists in managing accounting input and audits booked deals for accuracy
May provide training for employees in the areas of credit, documentation, and in-processing
Participates in the accomplishment of continuous improvement objectives for the department
Progress toward accomplishing these is measured by maintaining necessary measurements and analyzing associated data
Participates in identifying problem areas and developing resolutions to address them
Credit Analyst Permanent
Sasfin Bank
01.2019 - 01.2023
Assessment and Spreading of Financial Statements and management accounts, cash flow, and budgeted projections
Preparation of all high-level applications to be sent to the Credit Department for approval Sourcing all relevant information from clients to ensure that all terms of sanction are met New applications as well as reviews
Liaising with credit, pay-outs, and sales to ensure smooth running of accounts
Assisting the internal team with lower-level applications and providing recommendations
Presentation of high- and low-level applications to credit committees - dependent on the value of the application
General office duties- Admin and Client Queries
Conducting Site visits and monitoring large facility reviews and reports
Business Analyst Permanent
Route Management (Route Quest)
05.2017 - 12.2018
Determining Business Potential
Concluding credit transactions and recommendations to all major banks
Meeting FAIS and FICA regulations (KYC)
Detailed Analysis of Financial Statements, including ratios, current state of financials, Cashflows using point in time, ROEC, and DCC
Implementing and analyzing risk procurement for granting credit
Adherence to internal policies and procedures
Monitoring and maintaining revolving credit lines
Reviewing Facilities and assisting in submitting quality case applications
Education
Bachelor of Accounting Science - undefined
University of Witswatersrand
Matric - undefined
The Hill High School
Skills
Microsoft Suite
Accomplishments
Successfully negotiated and documented complex financial transactions, ensuring compliance and accuracy
Regional Collection Manager(FASR-II) at Caterpillar Financial Services India Pvt LtdRegional Collection Manager(FASR-II) at Caterpillar Financial Services India Pvt Ltd