Zikhona Flepisi
George
Summary
I hold a Bachelor of Economics Business Science, a BCom Honours in Financial Markets. I currently work as Finance clerk with a comprehensive background spanning over 16 years in various roles, including financial management, risk management, and client relations. My top skills include financial analysis, credit risk management, and effective communication.
Overview
17
17
years of professional experience
4
4
years of post-secondary education
Work History
Finance and Administration Officer
Mateza Primary School
02.2024 - Current
- Accountancy: Develop and maintain financial systems, produce and analyze figures, audit accounts, and process invoices and expense claims
- Budgeting: Monitor budgets and expenditures, and contribute to budget planning and revision.
- Financial reporting: Prepare financial reports and statements.
- Financial administration: Ensure financial transactions are authorized, recorded, and filed.
- Financial management: Conduct assessments and evaluations of financial management, and support corrective actions.
- Financial systems: Develop and implement plans to improve financial administration.
Assistant Specialist : Monitoring and Arrear Management
Land Bank
05.2021 - 10.2021
- Identifying, managing and communication of credit risks represented in the bank's loan portfolio.
- Tracking portfolio health & quality and keeping track of early warning signals by monitoring account conduct in repaying the loan, analyzing of financial statements, cashflows and management account.
- Tactfully engaging and negotiating with client directly by phone calls, sending letters, emails remind them of installments due and past due.
- Reduce the number of non-performing loans in the portfolio.
- Preparing memorandums to make recommendations on reviews, extensions and legal referrals in consultation with Senior Management in the department and key stakeholders in the matters.
- Conducted client interviews and visits to maintain stakeholder relations
- Managed post-disbursement onboarding and monitored loan conditions to ensure compliance.
Learner Program: Monitoring and Arrears Management
Land Bank
08.2019 - 01.2021
- Identified, managed, and communicated credit risks in the bank's loan portfolio to ensure financial stability.
- Tracked portfolio health, engaged clients, and reduced non-performing loans through proactive management.
- Prepared recommendations for reviews, extensions, and legal referrals to support financial decision-making.
- Contributed to informed decision-making by systematically analyzing results from various sources such as surveys, interviews, and observations.
Credit Risk Officer
Standard Bank
09.2012 - 12.2014
- Executing banks credit risk policies, procedures, and processes to enable successful risk management in the bank.
- Routine monitoring of clients’ accounts ensuring credit risk thresholds are upheld, in all the products offered by the bank.
- Preparing reports on high risk and distressed accounts presented to the Credit Risk.
- Committee, which included Senior Management of the department and other relevant stakeholders that maybe affected.
- Monitoring and arrear management for post investment management services.
Foreign Exchange Trade Officer
Standard Bank
05.2008 - 08.2012
- Company Overview: (Global Markets)
- Facilitated personal and business foreign exchange services to support client needs
- Processed transactions accurately, booked spot and forward exchange contracts, and ensured compliance with regulations
- Addressed foreign bank queries and represented customer needs to internal parties for optimal service delivery
- (Global Markets)
Education
Bachelor of Commerce Honours - Financial Markets
University of Fort Hare
East London South Africa 01.2018 - 12.2018
Bachelor of Economics (Business Science) - Economics /Business Science
University of Fort Hare
East London South Africa 01.2015 - 12.2017
Skills
- Effective Communication
- Client Relations
- Decision Making
- Team Collaboration
- Problem Solving
- Adaptability
- Organizational Skills
- Financial Analysis
- Credit Risk Management
- Business Analysis
- Financial Accounting
- Administration Management
- Account Management
- MS Office Proficiency
- SAP Expertise
- Excalibur Software Proficiency
Timeline
Finance and Administration Officer
Mateza Primary School
02.2024 - Current
Assistant Specialist : Monitoring and Arrear Management
Land Bank
05.2021 - 10.2021
Learner Program: Monitoring and Arrears Management
Land Bank
08.2019 - 01.2021
Bachelor of Commerce Honours - Financial Markets
University of Fort Hare
01.2018 - 12.2018
Bachelor of Economics (Business Science) - Economics /Business Science
University of Fort Hare
01.2015 - 12.2017
Credit Risk Officer
Standard Bank
09.2012 - 12.2014
Foreign Exchange Trade Officer
Standard Bank
05.2008 - 08.2012
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