Highlights:

Skills:Audit, Credit Assessment, Risk assessment, Internal Control, IFRS

Goal:Corporate Finance and Audit

Membership:Chartered Accountant (South Africa)

Certification:Bachelor In Accounting Bachelor in Accounting Honours Bachelor of Laws

Credit Head: Structured Trade and Commodity Finance 12/2017 - current
First National Bank (Business), Johannesburg, Gauteng South Africa
Industry: Corporate Banking and Finance
Assess credit proposals in detail including assessment of Financials, Management Accounts, Budgets, Cash flow Projections, Debtors Age Analysis & Creditors Schedule and all business risks and recommend and approve Credit Applications Manages credit product risk and profitability and makes recommendations for a portfolio of credit clients through analyses; Monitors associated risks
Head of credit risk and approval of: 1. Import Trade Finance – the financing of Goods and delivery costs (Logistics, Shipping; Duties, Vat, Port, Clearing, Forwarding) 2. Export Trade Finance - the financing of Goods and delivery costs (Logistics, Shipping; Duties, Vat, Port, Clearing, Forwarding) 3. Import Stock Finance – the financing of Imported Goods and the delivery costs and holding costs (Logistics, Shipping; Duties, Vat, Port, Clearing, Forwarding and Storage) 4. Ownership Trade Finance – the Bank acts as principle for the financing of Imported Goods and the delivery costs and holding costs (Logistics, Shipping; Duties, Vat, Port, Clearing, Forwarding and Storage) 5. Back to Back Letters of Credit – issue of Outward Letters of Credit against Confirmed Inward Letters of Credit – either matched Incoterms or Mismatched Terms with Logistics approval. 6. WesBank Import Finance – Import of Goods to be financed by WesBank on behalf of Commercial Clients with managed Logistics risks. 7. Cash Covered Trade – the Bank undertakes the issue of Undertakings (L/C’s and Guarantees) against funds placed on a ceded Bank account 8. Cash Placement Facilitation – the client places funds in the Bank’s name in lieu of written undertakings to issue a Letter of Credit and/or a Guarantee to Suppliers or Suppliers Banks 9. Escrow – the Bank acts as legal agent holding 3rd party funds pending disbursement under Contractual conditions. The Bank also undertakes the Issue of Guarantees and/or Letters of Credit under the Escrow Agreement conditions 10. Transferable L/C – The transfer of Letter of Credit under UCP600 rules--
Senior Regional Credit Manager 04/2015 - 11/2017
First National Bank (Business), Johannesburg, Gauteng South Africa
Industry: Corporate Banking
Manages credit product risk and profitability and makes recommendations for a portfolio of credit clients through analyses; Monitors associated risks. Deliver exceptional Credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions Assess credit proposals in detail including assessment of Financials, Management Accounts, Budgets, Cash flow Projections, Debtors Age Analysis & Creditors Schedule and all business risks and recommend and approve Credit Applications
Manages credit product risk and profitability and makes recommendations for a portfolio of credit clients through analyses; Monitors associated risks. Drive an Increase in average balance of assets as defined in the Financial Performance Report of the business Reduce percentage of Non - performing loans as a percentage of total performing book based on the business' performance Reduce Bad debts as a percentage of performing loans utilisation based on effective lending principals applied during approval Deliver exceptional Credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME’s, project managers and senior staff members by supporting Regional Managers' and Regional Analyst's in the Hub with new and existing business. Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders Ensure average approval turnaround time against target to ensure retention of clients. Assess credit proposals in detail including assessment of Financials, Management Accounts, Budgets, Cash flow Projections, Debtors Age Analysis & Creditors Schedule and all business risks and recommend and approve Credit Applications Comply with governance in terms of legislative and audit requirements Efficient management of high risk portfolio including timely identification of high risk clients, checking security and mitigating risk by taking outstanding and new security and reducing limits Manage and ensure compliance to the Basel III accord. Implement identified opportunities to increase profit of existing customers by providing innovative campaigns while maintaining risk within suitable boundaries Plan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation, achieve efficiencies and increase competencies Manage personal development to increase own skills and competencies--
Regional Audit Manager 06/2014 - 03/2015
First National Bank (Business), Johannesburg, Gauteng South Africa
Industry: Specialized Finance and Lending Solutions (Debtor Finance)
Ensure audits are conducted according to agreed process and audit criteria and compile reports based on the findings of the audit review and highlight any areas of risk to the bank. Pre-administration audits – conduct administration checks of prospective client companies so as to evaluate their suitability and provide assurance to the bank.
Manage costs / expenses within approved budget to achieve cost efficiencies. Develop a service culture which builds rewarding relationships, proposes innovations and allows others to provide exceptional client service. Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME’s, project managers and senior staff members. Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders. Comply with governance in terms of legislative and audit requirements. Ensure audits are conducted according to agreed process and audit criteria and compile reports based on the findings of the audit review and highlight any areas of risk to the bank. Pre-administration audits – conduct administration checks of prospective client companies so as to evaluate their suitability and provide assurance to the bank. Implement and maintain sound business processes that minimize FNB risk and deliver quality requirements specifications. Report on and / or find solutions to items resulting from findings by internal or external audit and client management risk. Improve business decisions by providing accurate and reliable business intelligence (information) together with analyzing trends and data. Manage own development to increase own competencies.--
Audit Manager 05/2012 - 06/2014
Office of the Auditor General, Pretoria, Gauteng United States
Industry: Public Sector Audit
Managing audits Provide on the job training to audit staff, in particular to under-performing staff. Give guidance on complex issues Review audit working papers on a regular basis Compile planning and reporting working papers relating to the audits Liaise with management of the auditee on a regular basis through audit steering committees and audit committees Liaise with private audit firms relating to contract out audits
Administrative matters Attend to requests of the Senior Manager relating to the audits Attend to administration matters Approval of timesheets, S & T and leave People matters Supervise the SAICA Trainee Accountant Training Scheme Maintain and enhance employee motivation. Manage audit teams’ performance and implement a culture of performance management. Assist in establishing the strategic direction of the component and manage teams by ensuring that they are aligned with the vision, mission and organisational strategic objectives of the Auditor-General. Financial management Assist in identifying revenue growth opportunities within the component and optimise its operational expenditure. Formulation of a budget.--
Assistant Audit Manager 03/2011 - 04/2012
Office of the Auditor General, Pretoria, Gauteng South Africa
Industry: Public Sector Audit
Leading the Audit team as a Manager
Management and Leadership skills - - Training and developing of staff through on-the-job mentoring - Managing staff hours -Monitoring staff performance - Allocating work to staff - Leading staff by ensuring undisturbed work flow Administration -Providing input such as planning of audits, budget and other organizational reporting needs. - Approve and manage study and annual leave for trainee auditors--
Associate 01/2008 - 02/2011
PriceWaterHouseCoopers, Johannesburg, Gauteng South Africa
Industry: Financial Services ( Insurance and Investment Managements)
Involved on the audit assignment for3 years
Liberty Life Long term Insurer Obtained training & moderate work experience to: - - Long term Insurance Act - - FICA Act - - King report on corporate governance (King II), - - FAIS Act, Alexander Forbes Risk Services Short Term Insurance Brokerage Obtained training & moderate work experience to: - - FICA Act - - FAIS Act - Discovery - Healthcare and Life Insurer Obtained training & moderate work experience to: - - Long term Insurance Act - - FICA Act - - King report on corporate governance (King II), - - FAIS Act, ABSA Insurance Company - Short term Insurance Company Obtained training & moderate work experience to: - - Short term Insurance Act - - FICA Act--

South African Institute of Chartered Accountants 01/2004 - 12/2010
Johannesburg, Gauteng, South Africa
Degree: Professional Degree
Major:Financial Accounting, Auditing, Management Accounting and Finance, Taxation
Minor:Corporate Law and Business Management.
Completed: Bachelor In Accounting Bachelor In Accounting Honours Articles Professional Exams

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