Credit Controller

Clifford Makhubedu

C O N T A C T D E T A I L S E M P L O Y M E N T

Cel No. 073-****-***

Email **.*********@*****.***

Address **** ****** ****, *********,****

S U M M E R Y E M P L O Y M E N T

Cifford has a professional and mature attitude and goes out of his way to understand the financial difficulties his clients may be encountering so that he can negotiate mutually agreeable terms. He is an expert at being able to suggest and implement quality solutions to aid those he is tasked with chasing up. His key strength is his ability to ensure that arrears cases are actioned quickly, efficiently and within stated procedures. At his previous role he was known for being a professional and informative primary point of contact for all customers. Right now he would like to join a company where everyone feels welcome and where there are excellent promotional opportunities for motivated individuals. E M P L O Y M E N T

Jul 2013 – Dec 2019 COLLECTIONS OFFICER– First National Bank

Review and action Audit finding concerns and monitor portfolio accounts as documented.

Set and implement best practice regarding collections policies and activities.

Preparing and submitting weekly and monthly reports.

Use innovation in problem solving and provide solutions to the attorneys.

Ensure decision-making processes are well documented for the future reference, and orderly file material.

Work collaboratively on special projects and assignments when required.

Creatively handle decision making, problem solving and risk management on a proactive basis using clear and precise thought processes.

Perform audits on payment arrangements concluded by attorneys with client.

Complete weekly reconciliation processes and procedures Oct 2010 – Jul 2012 Home Loans Recoveries Admin Officer – First National Bank

Provide effective communication via systems, e-mail and telephonic discussions with the clients, eternal debt collectors, valuators, attorneys and branch consultants.

Assist with tracing of clients who cannot be reached on the contact details they provided us with.

Preparing and sending recon statements to client indicating how the account fell into arrears and how much interest was charged on clients account.

Requesting for valuation for legal action purposes and updating the valuation report on the system.

Assist with typing and sending letters to client.

Writing off technical arrears amount and small balance account

Implementing and adjusting client’s debit orders.

Provide relief duties to our walk-in clients consultant where needed Sept 2008 – Oct 2010 Home Loans Collections Agent – Nedbank

Deal with customers diligently, courteously and professionally while collecting payments.

Negotiate payment plans with client

Respond to customer inquiries which are received via fax or telephonically

Persuade customers diligently to pay past due amounts.

Advise customers on alternative payment plans.

Create repayment schedules based on customers' financial situations.

Retain customer loyalty while initiating processes for collection of payments.

Maintain and update record of customers from whom collections are made. E D U C A T I O N

2004 N4 Intro Business Studies – Ekurhuleni West College Campus 2002 Matric - Oos Rand Secondary School

S K I L L S

Personal

Interpersonal skills

Critical Thinker

Flexible and Dependable

Motivated

Problem Solving

Attention To Detail

Professional

Good communications skills

Leadership Skills

Familiarity with computer systems and complex databases

Time Management

Customer Service

The ability to negotiate

Excellent Computer Skills

R E F E R E N C E S

Contact Person Suveer Hira

Position Manager

Company Name First National Bank

Contact Number 087-***-****

Contact Person Patience Mhlongo

Position Team Leader

Company Name First National Bank

Contact Number 011-***-****

Contact Person Claudia Naidoo

Position Team Leader

Company Name Nedbank

Contact Number 011-***-****

Contact this candidate