Wasim Mansoor
Credit Analyst
Durban
Summary
Dynamic individual with hands-on experience in Banking and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
11
11
years of professional experience
9
9
years of post-secondary education
Work History
Credit Analyst
Albaraka Bank Limited
Durban
05.2022 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Conducted industry research to understand economic conditions.
- Maintained compliance with applicable regulations and laws governing consumer credit such as NCA.
- Assist in the creation, review, and enhancement of credit policies and procedural documents.
- Monthly reporting of the top 10 clients in SM category to Executive credit committee.
- Monthly submission and presentation of the economic report to ALCO.
- Timely submission of quarterly risk and board reports to management on the bank's performance and risk issues.
Internal Sales Consultant
Albaraka Bank Limited
Durban
08.2016 - 04.2022
- Markets and proactively cross sell Banks Finance, investment and transactional banking product.
- Developed thorough understanding of company's products/services features and benefits enabling quick response times during client inquiries.
- Consistently met or exceeded monthly sales targets contributing significantly towards company's overall revenue growth.
- Process and submit finance proposals in line with procedural guidelines to Credit Committee for approval.
- Conducts Trade reviews as per trade diary and ensures process is actively managed.
- Ensures all transactions are compliant with FICA.
- Interacts pro‐actively and other departments in order to manage workflow
Assistant Exchange Control Officer
HBZ Bank
Durban
02.2015 - 07.2016
- Comprehensive understanding of Exchange Control.
- To supervise all exchange Control related transactions are correctly vetted and reported in accordance with Exchange Control Regulations within processing times.
- Advanced knowledge of Letters of Guarantee & Letters of credit.
- Cross border Inward and Outward payments.
- Import and Export Foreign Documentary Bills for Collections.
- Trust Receipts and Invoice Financing.
- Issuing Letters of Guarantee for purchase of property and various performance activities.
- Negotiating of Documentation received which entails Invoices, Packing Lists, Bills of Exchange, Bills of Lading, etc.
Service Consultant
Capitec Bank
Durban
06.2013 - 01.2015
- Effectively assisting clients with credit applications.
- Database Maintenance and Management (Updating records, Filing).
- Drive the Capitec Bank Brand through marketing and excellent client service.
- Creating brand awareness to existing and potential clients.
- Provide excellent client service by efficiently selling all Capitec Banks products and services.
- Open savings plans for various clients
- Ensuring good customer service and selling products that are convenient to the client.
Education
Regulatory Examination Certificate (FAIS) - Finance
Moonstone
Durban, South Africa 06.2019 - 06.2019
Sales NQF Level 5 - Business
Bankseta
Durban, South Africa 01.2017 - 12.2018
Bachelor of Commerce - Finance And Economics
University of Kwa Zulu Natal
Durban, South Africa 01.2008 - 04.2015
Skills
Credit Reporting
Credit analysis
Credit risk
Financial statement analysis
Relationship management
Microsoft Excel proficiency
Debt structuring
Collateral Valuation
Market Trend Analysis
Risk mitigation strategies
Proficient in iMal and creditlenz
Timeline
Credit Analyst
Albaraka Bank Limited
05.2022 - Current
Regulatory Examination Certificate (FAIS) - Finance
Moonstone
06.2019 - 06.2019
Sales NQF Level 5 - Business
Bankseta
01.2017 - 12.2018
Internal Sales Consultant
Albaraka Bank Limited
08.2016 - 04.2022
Assistant Exchange Control Officer
HBZ Bank
02.2015 - 07.2016
Service Consultant
Capitec Bank
06.2013 - 01.2015
Bachelor of Commerce - Finance And Economics
University of Kwa Zulu Natal
01.2008 - 04.2015