Experience

Nashua Finance Co

• United States
• Financial Services
• 1 - 100 Employee

• Credit Risk Assessor

  • May 2007 - Present

  Johannesburg Area, South Africa • LEAD ALL SUBORDINATES WITHIN THE VETTING TEAM: - Ensure targets of departments are achieved, based on strategy of Credit Director; - Manage and control all ISO9002 procedures, this includes items like leave, any loans, half days and disciplinary procedures. • ASSESS THE RISK ON ALL CREDIT APPLICATIONS: - Ensure all credit policies, management and company policies are adhered to, and it is also your responsibility to report others who do not adhere to the current credit… Show more • LEAD ALL SUBORDINATES WITHIN THE VETTING TEAM: - Ensure targets of departments are achieved, based on strategy of Credit Director; - Manage and control all ISO9002 procedures, this includes items like leave, any loans, half days and disciplinary procedures. • ASSESS THE RISK ON ALL CREDIT APPLICATIONS: - Ensure all credit policies, management and company policies are adhered to, and it is also your responsibility to report others who do not adhere to the current credit policy; - Analysis of annual and half year corporate financial statements; • AUTHORITY LEVELS TO BE MAINTAINED - Ensure individual credit limit mandate is strictly understood and adhered to, as well as business rules in credit policy. • RATING PARAMETERS TO BE UNDERSTOOD AND CONTROLLED - Ensure deals are rated within laid down criteria set by management; - Ensure parameters are communicated to the relevant staff and franchises. • ENSURE COMPETITIVE TURNAROUND TIMES - Supervise and control submission of all documents to make sure that a competitive turnaround time is achieved • SUPPORT DIRECTOR - Advise and suggest any improvements to the performance of the department; - Arrange correspondence and meeting between team members; - Assisting with any overflow of current projects by Director – Credit, this will also include ad-hoc work, like requests to provide month-end figures and other stats • SUPPORT AUTOMATED VETTING SYSTEM - Implement any new systems to improve effectiveness of department, assist in testing and feedback where necessary; - Full support function for Finsight , this includes managing queues, reporting problems and educating franchises as to the benefits of system reports like franchise deal status and additional information reports. • RELATIONSHIP MANAGEMENT - Develop and manage relationships between yourself and the franchises, as well as other risk assessors and departments within the company, this includes covering for other risk assessors if they need help with their queues; Show less



Standard Bank Group

• South Africa
• Financial Services
• 700 & Above Employee

• Financial Consultant

  • Sep 2006 - Apr 2007

  Johannesburg Area, South Africa • Conducting in-depth reviews of clients’ financial circumstances, current provision and future aims. • Analyzing information and preparing plans best suited to individual client requirements. • Designing financial strategies. • Providing clients with information on new and existing products and services. • Assisting clients to make informed decisions. • Researching information from various sources, including providers of financial products. • Promoting and selling financial… Show more • Conducting in-depth reviews of clients’ financial circumstances, current provision and future aims. • Analyzing information and preparing plans best suited to individual client requirements. • Designing financial strategies. • Providing clients with information on new and existing products and services. • Assisting clients to make informed decisions. • Researching information from various sources, including providers of financial products. • Promoting and selling financial products to meet given/negotiated sales targets and keeping up to date with financial products and legislation Show less



Trust Bank

• Banking
• 1 - 100 Employee

• Credit Analyst

  • Jan 2002 - Aug 2006

  Zimbabwe • Analysis of annual and half year corporate financial statements. • All ratio calculations and analysis to determine company performance. • Maintaining records of company performance in respective industries. • Preparation of Board Resolutions and facility letters for approved facilities • Preparation of credit applications and making recommendations to credit committee on whether or not it is prudent to lend. • Visiting clients to perform periodic analysis for risk management… Show more • Analysis of annual and half year corporate financial statements. • All ratio calculations and analysis to determine company performance. • Maintaining records of company performance in respective industries. • Preparation of Board Resolutions and facility letters for approved facilities • Preparation of credit applications and making recommendations to credit committee on whether or not it is prudent to lend. • Visiting clients to perform periodic analysis for risk management purposes. • Monitoring daily account utilization of facilities and account performance. • Ensuring validity of securities documentation. • Review of client’s annual reports, interim reports and management accounts for risk management purposes Show less