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Work Background
EswatiniBankExecutive Manager Credit
Feb. 2024Mbabane, Hhohho Region, Eswatini
Swaziland Building Society, EswManager Credit
Oct. 2018 - Feb. 2024Mbabane, SwazilandThe objectives of the job are: • To improve operational efficiencies and effectiveness as well as achieving full compliance. • Manage the development and maintenance of a high-quality credit risk rating system used for credit decisions and capital allocation. • Ensure credit risk evaluation on loan proposals from the various market segments. • Ensure thorough analysis and appraisals of loan proposals for individual and corporate clients. • Make suitable recommendations in respect of amount to be sanctioned, acceptability of the risk, terms and conditions of the sanction, pricing for risk, etc. • Contribute in implementation of the Society’s strategy objectives and industry best practices. • Prepare analytical reports and risk register on loan evaluation and discuss same with management and other functional areas. • Ensure awareness and adherence to the credit policy, appropriate risk management policies, procedures, processes and standards throughout the Society. • Adhere to compliance requirements with regard to; AML, Consumer Credit Act, Compliance policy, Governance guidelines (CBS, FSRA), Risk grading/rating, Credit policy and Pricing. • Ensuring awareness and adherence to the credit policy, other relevant policies, credit control procedures and processes. • Adhere to compliance with risk policy and risk guidelines issued by CBS/FSRA • Ensure that all relevant collateral and insurance is clearly spelt out for processing by the Credit Control unit. • Prepare monthly management, statutory, financial, Board Credit and other required reports. • Making follow-ups to resolve and validate open issues noted during reviews by internal and external auditors. • Resolve inspection issues raised by CBS/FSRA • Contribute to the formulation of all policies relating to credit.
FNB EswatiniCredit Manager - Commercial
Oct. 2016 - Oct. 2018Mbabane, SwazilandAssessment of loan applications, maintaining acceptable standards of defaults, in line with the bank's thresholds, review of facilities, and appraisal of facilities that need approval by the FNB International Credit Division. The job also entails managing two human resources, formulation of the Credit Policy, Review of processes, and maintaing good stakeholder relationships especially with the Sales team.
Nedbank EswatiniCredit Manager
Feb. 2006 - Oct. 2016Mbabane, SwazilandManagement of the Private Banking and Corporate Schemes business for the Credit Division of the bank. This includes assessment of loan applications, maintaining acceptable standards of defaults, in line with the bank's thresholds, review of facilities, and appraisal of facilities that need approval from the Head Office in Johannesburg. The job also entails managing two human resources, formulation of the Credit Policy, Review of processes, and maintaing good stakeholder relationships especially with the Sales team. I am also the Credit Division Risk Champion, chairing the monthly Enterprise-wide Risk Committee (ERCO) Meeting. This is where all risks related to Credit Division are identified, assessed, and decisions taken to mitigate them.
Nedbank EswatiniManager's Assistant
Jan. 2004 - Dec. 2006Mbabane, SwazilandAssessment of loan applications for individuals, management of the Asset Based Finance (ABF) portfolio for the bank, and manegement of securities in the ABF space.
Nedbank EswatiniClient Care Officer
Jan. 2003 - Dec. 2004Mbabane, SwazilandSoft collection of loan arrears falling within the 0-30 and 31-60 days' bracket. This involved calling the defaulting clients and also writing letters to them. The job also involved liaising with the Relationship Managers at the branches, and Collection Officers at Credit.
Nedbank EswatiniSales Support Officer - Retail Banking
Feb. 2002 - Dec. 2003Manzini, SwazilandAssisting the Retail Bankers by opening bank accounts, loans and term investments. Interviewing clients and putting up an application for banking facilities on behalf of a client to our credit division for approval. Management of arrears in the Retail Banking sector for the branch.
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