I am an analytical, attention to detail and results driven person who has managed the debt and investments, at a substantial level, of a portfolio of agricultural clients in various industries. The managing included the annual review of the credit facilities and placing new credit business on the books and submit the motivated application to Credit Division.

Apart from the lending I am trained to do marketing of associated products.

I have good knowledge of acquiring the relevant information to assess clients and potential client’s financial status and repayment ability. Obviously this will be aligned according to the company credit regulations.

I also see myself as being innovative in the sense to improve systems to the benefit of the clients as well as my employer.

I have knowledge of various agricultural industries and seasonality which is important in the assessment of the credit risk.

Control of portfolio expenses has been part of my job description to improve the profitability of my portfolio as well as that of Standard Bank.

Very good knowledge of Cash Flow Forecasts, Income and Expenditure and Financial Statements.

1980 – Matriculated at High School, Wittedrift (Plettenberg Bay).

Results:

Afrikaans(First Language

HG

D

English(Second Language)

HG

C

Mathematics

HG

C

Biology

SG

B

Accountancy

SG

A

Typing

SG

D

Page 2

2008 – Passed Estate Agency Board Examination.

2015 – Pastel 14 Certificate and 2015 – Pastel Payroll 14 Certificate

2023 – Short Term Insurance Claims Assessor Course - Moonstone

Grootfontein College – Agronomy/Crop Production/Pasture Science/Large/Small stock Production.

GENERAL

Introduction Course.

Teller

Basic Investment Planning.

Time Management.

Interpersonal Skills.

Problem Solving.

Branch Manager’s Education Programme.

7 Habits of Highly Effective People.

Interpersonal Skills & Motivation Seminar.

Digital Comms and Information Skills Course.

Senior Leadership Development Programme.

Business Curriculum – Business Ethics/Service Delivery.

Digital Communication and Information Skills Course at PE Technicon.

SALES

Service Sells.

Gaining Profitable Sales.

REGULATORY

FAIS Training.

FICA Training.

Code of Conduct.

Money Laundering.

FAIS Compliance (Deposit 1A) – Passed.

Digital Communication and Information Skills Course at PE Technicon.

CREDIT TRAINING

Basic Introduction to Credit – 100%.

Understanding and Asses Personal Financial Statements – 94%.

Understanding and Asses Business Financial Statements – 98%.

Risk Assessment Module 1 – 90%.

Risk Assessment Module 2 – 94%.

Risk Assessment Module 3 – 87%.

Risk Assessment Module 4 – 81%.

Collateral Phase 1 – 98%.

Securities required for Lending.

Man Management.

Advances Course.

Advanced Manager’s Clerk.

Agricultural Credit/Risk Management/macro Environment

Agricultural Credit Risk Management (Updated).

Managing Credit Risk in SME Market

Advanced Credit Evaluation.

Advanced Credit Evaluation at Johannesburg School of Finance.

Diploma in Agricultural Credit Risk Management presented by Global Business Network.

Page 3

IT Skills - MS Word, Outlook, Internet, MS Excel & PowerPoint.

Innovativeness

Ability to perform individually and in a team

Interpersonal relationship skills

Loyal, Professional

Analytical, Accuracy

Marketing Abilities

Credit Knowledge

Oct 2014 – Present - Operating a business from home providing clients Business Services which includes:

Independent Trustee/Director of Trusts/Companies.

Structuring of debt.

Loan applications to various banks.

Analyze bank service fees and interest rates.

Financial ratio analysis.

Structuring of financial entities.

Structuring of BEE deals and applications for finance.

May 2004 – Oct 2014 – Standard Bank, Humansdorp – Account Executive – 1 (One) Direct Report

Key Duties & Responsibilities

Managing a portfolio of 60-65 relationships forming part of the Top 20% client contribution

to the bank.

Managing all applications for credit facilities from customers from assessment to initial application to a Credit Manager according to all the Legal Requirements as set out in the different Acts.

Ensuring that all relevant security, required for the lending, are obtained and regularized before lending is granted.

Ensure the day to day management of the impaired loan portfolio is carried out to the highest standard, including loan account maintenance, documentation preparation and hard copy file management.

Early identification of troublesome clients and management thereof.

Contacting existing and potential clients on a daily basis.

Annual review of credit facilities and subsequent completion of review application.

Marketing of suitable products such as Short Term Insurance, Last Will and Testament, Credit Cards, Garage cards, Vehicle and Asset Finance, Assurance products, Business Assurance, Merchant Agreements, etc. to client base to improve service and contribution.

Investment of client’s funds.

Checking of Legal documents such as Trust Deeds, Letters of Authority, Company documents and Close Corporation documents

Knowledge around the various types of security required to finance projects.

Checking and signing off daily, weekly and monthly reports.

Travelling to client’s business site to discuss business opportunities.

Resolving all customer queries and complaints within the agreed service level agreement.

Reviewing and signing off compliance reports within the required level agreement.

Management of sales vs targets set by the bank.

Implementation of changes introduced by the bank.

Maintain good relationship with internal staff and specialists.

Page 4.

1998 – 2004:

Relationship Manager (Small and Medium Enterprises) – Cradock, Hofmeyr, Steynsburg, Molteno – 1998.

Relationship Manager (Agricultural, Commercial) - Cradock, Hofmeyr, Steynsburg, Molteno – 2001.

Relationship Manager (Agricultural, Commercial) – Queenstown, Molteno, Dordrecht, Cathcart - 2003.

Jul 1993 – 1998:

Branch Manager – Standard Bank Burgersdorp, Barkley East and Cradock – Duties involved the managing the branch profitably and ensuring that bank’s administrative and legal legislative measures are adhered to. All clients (Personal, SME, Agricultural and Commercial) credit facilities were under my control.

1988 – Jun 1993:

Branch Administrator – Standard Bank Hofmeyr and Cradock – Duties involved the managing of the bank’s administrative and legal legislative measures are adhered to. It also involved the relieving of the Branch Manager when leave is taken.

Dec 1980 – 1988:

Clerical duties such as Waste, Batch Data Entry, Enquiry Clerk, Teller, Foreign Exchange and Check Clerk were performed during this time in Plettenberg Bay, Knysna and Dordrecht.

2002 – Nominated for a Star Award in recognition for performance in 2001. Star Awards were awarded to Top 10% of Management.

2007 – Nominated for a Star Award in recognition for performance in 2006.

Providing subordinates with the freedom to operate within certain laid down requirements.

Ensuring that staff were provided the opportunities to attend relevant courses and upskill themselves.

Quick and efficient service to clients.

Increased total contribution of portfolio by 160% from 2004 to 2014.

Langkloof Area – Deciduous Fruit (Apples, Pears etc), From Producers to Packing and marketing of fruit. Small stock and commercial beef. Suppliers of packing material companies.

Hankey – Citrus (Producers, Packing, Marketing).

Tsitsikamma area – Dairy, Commercial and stud cattle, Chicken-broiling, maize production, Cooperatives, Water Bottling Companies.

Kirkwood – Citrus, game and small stock farming, chicken broiling, B&B Facilities, Waste Management Company.

In the SME and Commercial sectors I have dealt with various types of businesses.

Extensive areas in Cradock, Burgersdorp, Barkley East, Molteno, Steynsburg, Middelburg, Queenstown, Uniondale etc.

Page 5.

Playing Golf

Watching Rugby/Cricket/Golf

Mr Ronny Wansink

Financial Consultant

Cell: 082-***-****

Mr Les Joubert

Financial Consultant

Cell: 083-***-****

Ian Engelbrecht

Previous Senior Colleague at Standard Bank. Now at Humansdorp Coop.

Cell: 072-***-****

Curriculum Vitae

Edwin Julyan

ad5a6e@r.postjobfree.com

Cell: 083-***-****

Home Language – Afrikaans

Second Language - English

Nationality – South African

Driver’s Licence - Code 08

Personal Profile

Matriculation

External Courses

Internal Training

Key Skills & Competencies

Professional Work Experience

Key Achievements

Industries Serviced

Interests

References

Contact this candidate