Summary
Overview
Work History
Education
Skills
Accomplishments
Personal Information
Linkedin Profile
Certification
Timeline
Generic
Trisarnia Maharaj

Trisarnia Maharaj

Senior Credit Analyst
Kempton Park

Summary

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
  • Conducted thorough credit investigations and assessments, improving customer credit approval processes
  • Led the administration of high value credit applications and covenant compliance reviews, enhancing risk management
  • 2024 teamwork award recipient

Personal Information

  • Gender: Female
  • Nationality: South African

Linkedin Profile

https://www.linkedin.com/in/trisarnia-maharaj9b0a58137/

Certification

Moody’s commercial lending

Timeline

Moody’s commercial lending

04-2023

Senior Credit Analyst Permanent

Caterpillar Financial Services
02.2023 - Current

Credit Analyst Permanent

Sasfin Bank
01.2019 - 01.2023

Business Analyst Permanent

Route Management (Route Quest)
05.2017 - 12.2018

BSC -Bachelor of Accounting Science

12-2015

Bachelor of Accounting Science - undefined

University of Witswatersrand

Matric - undefined

The Hill High School
Trisarnia MaharajSenior Credit Analyst