Yolanda Kitto

• Increasing client base by identifying new business opportunities and cultivating strong relationships with key decision makers such as Chief Financial Officers, Chief Executive Officers, Chief Operating Officers, Financial Managers and Credit Managers.
• Generating new business with marketing initiatives and strategic plans by doing extensive needs analysis exercise with the clients
• Reaching out to potential customers via telephone, email, and in-person inquiries.
• Negotiating and closing long-term agreements with new clients
• Interacting and negotiating pricing and policy structures with Trade Credit Insurers such as CGIC, Coface SA, Lombard Insurance, Hollard, Allianz, Guardrisk and other Trade Credit Insurers.
• Rendering after sales services such as:

- Educating clients on interpreting credit information report statistics

from Credit Bureaus

- Training clients on insurers' online systems

• Monthly meetings with clients

Portfolio Management for both local and International Agricultural clients

Full credit management function

including:

- Credit Vetting of new credit applications by analyzing AFS

- Credit Control (Debt Collection, legal handover of accounts, claims

- Credit Risk Mitigation

- Credit Policies and Procedure Management

- Reporting and Analysis

- Policy renewals

- Client visits (Both local and international clients liasing with key decision

makers (CEO, COO, CFO, Credit Managers)

- Negotiating best possible terms with insurers for my clients

- Presenting quotes at executive level

- Conducting monthly declaration calculations

: Business Development

- Cross selling to existing clients and actively seeking new business

Reason for resignation : Personal circumstances changed

Had to relocate back to Johannesburg

To be discussed in interview

• Established trusted advisor status among senior-level contacts within key accounts, ensuring long-lasting partnerships and repeat business.
• Increased customer satisfaction levels by consistently delivering exceptional service and support.
• Developed comprehensive account plans to effectively manage long-term client relationships.
• Coordinated with marketing teams on targeted campaigns aimed at increasing product awareness among key decisionmakers.
• Maximized revenue growth for major clients through strategic selling and negotiation tactics.
• Served as the primary point of contact for all key account-related inquiries, proactively addressing issues to maintain positive relationships.
• Implemented data-driven strategies to optimize sales efforts, resulting in higher conversion rates among key accounts.
• Designed customized proposals that addressed unique client needs while showcasing the company''s strengths.
• Strengthened key account relationships by proactively addressing concerns and providing tailored solutions.
• Conducted regular client meetings to review performance metrics, discuss opportunities for improvement, and outline next steps for continued success.
• Provided ongoing mentorship and guidance to junior account executives, fostering a supportive team environment that encouraged professional growth.
• Streamlined internal processes for more efficient communication and collaboration within the team, resulting in improved account management capabilities.
• Built and maintained strong client relationships to drive business growth.
• Created sales forecasts to target daily, monthly and yearly objectives.
• Developed and delivered presentations to key customers to position products and services.

Starting up of Trade Credit Insurance and Sureties Division for Prestgroup

Business Development

Cross selling to existing Marine and Commercial clients by liaising with clients at Executive level

Setting up agreements with all major Trade Credit Insurers such as Credit Guarantee(CGIC), Coface SA, Allianz Trade, Lombard Insurance, Hollard, Guardrisk

- Design and Develop Credit Insurance Application form

- Design and Develop Bonds and Guarantees Application form

- Cross selling to Prestgroup’s existing clients

- Conducting a needs analysis for my clients

- Negotiating the best possible terms with insurers on behalf of my clients

with Trade Credit Insurers

- Overseeing the process of implementing new policies with the insurers

Sureties

Selling and managing sureties such as:

· Customs Guarantees

· Advanced Payment Guarantees

· Performance Guarantees

· Fuel Guarantees

· Transnet Guarantees

- Assisting with wees

Writing Credit Policies for my clients and insuring that it complies with the National Creditt Act

Credit Management on behalf of my clients

- Assisting with writing Credit Policies for my clients and insuring that it complies with the National Credit Act

- Overseeing and guiding Credit Managers and debtors clerks with debt collection procedures

- Final demand letters

- Assisting with legal handovers

- Liaising with attorneys

- Maintaining relationships with existing clients by setting up monthly meetings

- Attending to and sorting out client queries

- Overseeing a portfolio of 50 clients

Position: Key Accounts Executive - 2010 - 2016

Business Development - Liasing with clients on Executive level

Responsible for Key Clients(National and International clients) (+/-40) on all aspects

• Managed a diverse portfolio of key accounts, ensuring timely delivery of products or services while maintaining high levels of customer satisfaction.
• Enhanced customer satisfaction by proactively addressing concerns and providing tailored solutions.
• Collaborated with cross-functional teams to develop innovative strategies for key account growth.
• Delivered exceptional customer service by promptly addressing inquiries or concerns from key accounts, resulting in increased loyalty and trust from clients.
• Maintained ongoing communication channels with key account representatives, keeping them informed about product updates, promotions, and other relevant news.
• Implemented strategic initiatives aimed at expanding market share among top-tier clients within the assigned territory.
• Conducted regular business reviews with key accounts to assess performance metrics and identify areas of improvement.
• Served as primary point of contact for all communications between key clients and the company, ensuring transparency throughout all stages of the relationship.
• Streamlined internal processes for better account management, resulting in reduced response times.
• Achieved revenue targets consistently through effective negotiation and contract management with key clients.
• Assisted in the onboarding process for new key accounts by providing training, support, and account setup guidance to ensure a smooth transition into our ecosystem.
• Reduced churn rates significantly by implementing proactive measures designed to address potential issues before they escalated into major problems.

Position - Senior Underwriter - 2007 - 2009

· Credit Limit Assessment

· Accessing Credit Bureaus Reports such as Transunion, Experian · Analysis of Financial Statements

· Calculation of ratio’s and scoring of debtors, conducting debtors

with executive level staff members and taking extracts from

annual financial statements

· Liaising with policy holders and brokers relating to credit facilities

· Presenting credit limits to underwriting committee for approval

* Interaction with other internal departments on matters relating to the portfolio of key clients and their needs. External interaction with Brokers, Policy Holders. Working very closely with brokers to ensure that client needs are met.

• Maintained strong relationships with clients through regular communication and proactive problem-solving efforts.
• Managed multiple accounts simultaneously, demonstrating exceptional organizational skills and attention to detail.
• Completed routine and complex account updates to resolve problems.
• Built strong relationships with clients, vendors and stakeholders for loyal, profitable accounts.

• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
• Improved credit risk management by implementing effective underwriting policies and procedures.
• Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
• Mentored junior team members in credit management best practices to enhance overall department performance.
• Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
• Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
• Work cross-functionally with sales, management, and other departments to maintain effective operations.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.

• Collaborated with other departments to resolve billing errors, ensuring timely payment from clients.
• Reached out to customers to check on payments and convey options.
• Obtained payments and entered details into system.
• Reviewed customer accounts for compliance with repayment obligations.
• Performed checks of customer creditworthiness and current situations.
• Increased collection rates through proactive account management and regular follow-ups with clients.
• Reduced overdue debt by closely monitoring customer accounts and taking prompt action on outstanding payments.
• Enhanced company reputation through professional communication with customers, resolving disputes, and negotiating payment plans.

• Posted daily receipts and payments in accordance with corporate protocols.
• Communicated proactively with team members regarding any issues or concerns related to bookkeeping tasks.
• Prepared monthly bank reconciliations to ensure accurate representation of company''s financial position.
• Reconciled and corrected issues with financial records.