BCom (Economics), MBA, PhD in Entrepreneurship. Qualified Debt Counsellor
Seasoned professional with expertise in risk management, credit management, credit analysis, financial management, investment management, and tax planning, with comprehensive background in all areas of quantitative and qualitative analysis.
Skilled in identifying and reducing areas of risk exposure with ability to interpret dynamics and identify weaknesses that may affect unit performance.
Experienced with risk assessment including domestic and international transactions, term loans, revolving loans, overdrafts, commercial property finance, business property finance, performance guarantees, import and export guarantees, financing and distribution.
Proven ability to maximize revenue potential through exceptional portfolio management abilities.
Instrumental in increasing customer retention and customer satisfaction levels within high competitive markets.
Cultivate relationships with high net worth clients and key stake holders.
Business Management, Accounting; Economics, Commercial Legislation and Financial Management 3; part time IMM School of Graduation.
Moderator Financial Management for Varsity College.
AMALGAMATED BANKS OF SOUTH AFRICA (ABSA), Pretoria, (thirty five years)
Credit Manager (Regional Office)
Managed and controlled an authorized personal mandate of R5.5million for term loans, revolving loans, overdrafts, commercial property finance, business based property finance, performance guarantees, import and export guarantees based on financial positions which include solvency, liquidity, profitability and feasibility.
Analyzed and evaluated financials and cash from projections.
Conducted debtor and creditor analysis.
Formulated and discussed with clients personal credit options on accounts.
Assessed clients and companies through ratio, trend and payment analysis, compiling and updating client information in the credit clearing database.
Reviewed financial status of clients annually and also assisting clients to restructure financial positions and any deviations in the market, calculating maximum amount of overdraft required for the business, establishing losses through theft, turnaround times of stock, debtors and creditor control, establishing if business utilizes assets to optimize business operations.
Liaised with attorneys regarding the collection of bad debts, including doubtful debts.
Dealt with human resource related matters and administrative functions, staff training and development, managing and supervising a staff compliment of eleven direct reports.
Expertly interpret management figures.
PhD in Entrepreneurship, 2018
Management of Credit Risk, DAMELIN College, 1998
Master’s in Business Administration (MBA) Degree, University of Pretoria, 1989
Bachelor of Commerce (B.Com) Degree with Majors in Economics, University of Pretoria, 1986
Completed various management courses, seminars and workshops
PERSONAL SKILLS DEVELOPMENT COURSES
National Credit Act
Credit Risk Assessment
Client Service Skills
Analysis of Balance Sheets
Competency Based Interviewing
Qualified Debt Councilor with the National Credit Regulator.
Received Certificate of Award for Excellence Performance by Chief Executive Officer
Proficient in various computer software programs, including in-house developed software, Internet and email
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