Zodwa Mshayiza
Credit Analyst
Johannesburg ,Gauteng
Summary
Dynamic professional with a proven track record at Sasfin Bank Ltd, adept in data analysis and financial statement expertise. Excelled in streamlining credit analysis processes and enhancing legal team productivity, demonstrating strong problem-solving and verbal communication skills. Achieved significant improvements in risk detection and client service efficiency without compromising confidentiality or detail.
Overview
16
16
years of professional experience
Work History
Credit Analyst
Sasfin Bank Ltd
02.2022 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Streamlined credit analysis processes, leading to more efficient review times and improved risk detection.
- Performed credit reviews on corporations to assess financial conditions.
Legal Coordinator
Sasfin Bank Ltd
07.2013 - 01.2022
- Safeguarded client confidentiality by diligently following data protection protocols when handling sensitive information.
- Ensure the reduction of loss to the bank and increase of revenue through collections and recovery.
- Attending legal settlements negotiations meetings with customers and or attorneys.
- Comply with governance in terms of legislation and audit requirements.
- Assisted in securing favorable settlements through effective communication between different parties involved in cases.
- Coordinated with the legal team to ensure timely completion of relevant tasks, enhancing overall productivity.
- Communicated professionally with clients, colleagues and legal partnership verbally and in writing.
- Manage and obtain all internal and external costs associated with the collection of outstanding agreements.
- Negotiate, monitor and report on payment arrangements with customers.
- Responsible for a portfolio of litigious and undefended non performing portfolio.
Legal Office Administrator
Sasfin Bank Ltd
11.2011 - 06.2013
- Coordinated communications, financial processing, registration, recordkeeping, and other administrative functions.
- Maintained electronic and paper filing systems for easy retrieval of information.
- Tracked office supplies and restocked low items to keep team members on-task and productive.
- Facilitated smooth operations by maintaining updated inventory records, anticipating supply needs, and placing timely orders for essential materials.
- Expedited invoice processing by accurately reviewing vendor submissions, reconciling accounts payable discrepancies, and conducting timely payments.
- Improved office efficiency by streamlining filing systems, ensuring documents were easily accessible.
- Maintained confidentiality of sensitive information, adhering to strict data protection policies.
- Assisting with ITC reports as well as listing debtors on ITC.
Receptionist
Sasfin Bank Ltd
07.2008 - 10.2011
- Greeted incoming visitors and customers professionally and provided friendly, knowledgeable assistance.
- Responded to inquiries from callers seeking information.
- Resolved customer problems and complaints.
- Confirmed appointments, communicated with clients, and updated client records.
- Answered phone promptly and directed incoming calls to correct offices.
- Kept reception area clean and neat to give visitors positive first impression.
- Maintained a well-organized reception area with updated materials, contributing to a welcoming environment for visitors.
- Corresponded with clients through email, telephone, or postal mail.
- Enhanced customer satisfaction by promptly addressing inquiries and providing accurate information.
- Maintained confidentiality of information regarding clients and company.
- Routed incoming mail and messages to relevant personnel without delay.
- Sorted, received, and distributed mail correspondence between departments and personnel.
Education
Honors Degree Financial Management - Economic And Management Sciences
University of South Africa
Johannesburg Bachelor Of Commerce In Financial Management - Economics And Management Sciences
University of South Africa
Johannesburg 2021
Higher Certificate - Economics And Management Sciences
University of South Africa
Johannesburg 2018
Paralegal Certificate - Legal
Boston Business College
Randburg 2013
Certificate - Office Administration
Damelin
Bramley2009
Certificate - Basic Computer Skills
Ikemeleng Youth Centre
Alexandra 2007
Certificate - Receptionist And Personal Assistant
Damelin
Bramley2006
Grade 12 -
Rev SA Nkosi High School
Mpumalanga 2000
Skills
Commercial and consumer clients
Data analysis
Financial statements expertise
Experienced with Microsoft Word, Microsoft Excel and Microsoft outlook
Verbal and written communication
Problem-Solving
Teamwork and Collaboration
Self-Motivated
Active Listening
Written Communication
Strong client service
Attention to detail
References
Monica Tavares - Senior Litigation Manager
- Email: Monica.Tavares@sasfin.com
Brenda Mohlaoli - Senior Credit Manager
- Email: Brenda.Mohlaoli@sasfin.com
- Tel: +27 82 447 7096
Timeline
Credit Analyst
Sasfin Bank Ltd
02.2022 - Current
Legal Coordinator
Sasfin Bank Ltd
07.2013 - 01.2022
Legal Office Administrator
Sasfin Bank Ltd
11.2011 - 06.2013
Receptionist
Sasfin Bank Ltd
07.2008 - 10.2011
Honors Degree Financial Management - Economic And Management Sciences
University of South Africa
Bachelor Of Commerce In Financial Management - Economics And Management Sciences
University of South Africa
Higher Certificate - Economics And Management Sciences
University of South Africa
Paralegal Certificate - Legal
Boston Business College
Certificate - Office Administration
Damelin
Certificate - Basic Computer Skills
Ikemeleng Youth Centre
Certificate - Receptionist And Personal Assistant
Damelin
Grade 12 -
Rev SA Nkosi High School