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
LeaseWave
Pastel
Charisma
Credit Risk Analysis
Financial Negotiation
Transaction Documentation and Funding
Legal Document Negotiation
Loan Covenant Compliance Reviews
Creditworthiness Assessment
Deal Structuring and Approval
Credit Investigations
Accounting Input Management
Financial Statement Analysis
Cash Flow and Budget Projections
High-Level Credit Application Preparation
Client Information Sourcing
Interdepartmental Coordination (credit, pay-outs, sales)
Credit Committee Presentation
Business Potential Assessment
Credit Transaction Conclusion
FAIS and FICA Regulations Compliance (KYC)
Ratio Analysis and Financial State Assessment
Cash Flow Analysis (point in time, ROEC, DCC)
Risk Procurement Analysis
Internal Policy and Procedure Adherence
Revolving Credit Line Monitoring
Facility Review and Quality Case Application Submission
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