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  • Nationality: South African
  • Gender: Female
  • Ethnicity: African
  • Employment Level: Junior
  • Career Experience: 1 - 2 Years
  • Dear Sir /Madam
    I am a self-motivated individual with a passion for success and determined to see things to completion. I am extremely charismatic and self-aware, and I enjoy interacting with others, I strive to remain a well-rounded individual as being multi-faceted and adaptable combined with a willingness to learn and be teachable-will ensure that I am not only successful but also extremely proud of what I achieve and most importantly who I become.
    I hold a Bcom Accounting Degree obtained from the University of Johannesburg, I am currently furthering my studies by pursuing a Post Graduate Diploma (Accounting). I was recently employed by The First Rand Group as a Credit Analyst.
    Soft Skills
    • Excellent Interpersonal Skills • Self Driven and Motivated • Excellent Communication Skills (Both Verbally and in Written Form) • Excellent Team Player
    Technical Skills
    • Technical Understanding of Financial Accounting/Financial Management (Budgeting/Modelling/Drafting of Financial Statements/Consolidations-Eliminations) • Proficient regarding Financial Analysis and Interpretation, Knowledgeable regarding Financial Products such as Transactional Banking, Personal Finance, Forex, Cash Investments and Wealth • Excellent Computer Skills (Excel, Word, Power Point/ Pastel Evolution) • Comprehensive Knowledge of Credit Risk Analysis-Risk Analysis • Intermediate Knowledge on Taxation • Intermediate Knowledge on Auditing
    For More Information, refer to Curriculum Vitae

    Education

    2012-2015 Bcom Accounting Degree at The University of Johannesburg

    Financial Accounting
    Cost Management Accounting
    Corporate Finance
    Taxation
    Auditing

    Experience

    2018-2020 Credit Analyst at First Rand Bank

    Analyse credit data to estimate degree of risk in extending credit or lending money: Consult with management to assist in corporate planning.
    Key responsibilities:
     Achieve year on year Total Consumer Revenue Growth as per Branch Financial Performance Report for the relevant Consumer Portfolio.
     Analysis of Financial Ratios and Financial Statement Analysis this entails assessing, analysing and interpreting financial information (Budgets, Drafted Financial Statements, Projections, Debtors/Creditors Reconciliation, Group Consolidations-Intercompany Eliminations, Cash Flow Statements, Debtors/Creditors Age Analysis, Amortization Schedules, Financial Statements in Foreign Currencies(Dollar/Euro)
     Good understanding of Credit Analysis
     Financial Ratios (Liquidity, Solvency, Activity, Coverage, Profitability, Growth)
     Manage costs/expenses within approved budget to achieve cost efficiencies.
     Assist internal sales partners with credit decisions and application of credit policy.
     Build and maintain relationships with internal business partners.

     Maintenance of expert knowledge on relevant legislative amendments, industry best practices.
     Responsible for maximizing cross sell opportunities through credit assessment and client portfolio analysis
     Analyse credit data/ annual financial statements to estimate degree of risk in extending credit or lending money by accessing credit applications.
     Ensure efficient approval turnaround time against target to ensure retention of clients
     Comply with governance in terms of legislative and audit requirements
    Core skills obtained:
     Excellent interpretation of Financial Ratios and Financial Statement Analysis this entails assessing, analysing and interpreting financial information
     Strong time management skills,
     A very good eye for detail
     Ability to work effectively under pressure.
     Excellent, analytical, numerical, interpersonal, communication, problem-solving and
    teamworking skills
     Keeping credit exposures within set risk limits

    2016-2017 Client Support Consultant at Investec Bank Limited

    provided specialised expertise regarding their banking portfolios via an exceptional telephonic service across a range of Investec’s financial products; including Transactional Banking, Personal Finance, Forex, Cash Investments and Wealth.
    Core skills obtained:
     Sound listening, verbal and written communication skills
     Good problem-solving skills
     Excellent time and stress management
     Ability to take Initiative
     A keen eye for detail
     A passion for service excellence and being client centric
     A drive for continuous improvement and being proactive in generating ideas
     Adaptability and ability to work in a dynamic environment able to operate independently
    within a team context.