Account Analyst Business Manager
Resume:
Amanda Voges
adm3mg@r.postjobfree.com
** ****** ******, ******** ****, Alberton, Gauteng ID: 731**********
PERSONAL STATEMENT
I have been in banking for 25 years. The past 15 years in Business banking where my passion and experience lies as Account Analyst, Account Manager, Account Executive, Portfolio Relationship Manager and Acquisition Manager. I pride myself in developing and maintaining long lasting relationships with my customers. I go out of my way to know and understand each customer on a professional and personal level. I build strong and lasting relationships and tackle each request with energy.
Industries include: Agricultural, Engineering, Manufacturing, Mining, Capital Equipment suppliers, Legal, Accounting, Franchise, Logistics, Industrial, Solar, Medical, Warehousing, Construction, Services, etc.
I have my BCom Bank Management with Milpark Business School, NQF 7. Completed 2017 I am an accredited FAIS representative (Completed 2015) and have my CAIB (SA) (Certificate Associated with the Institute of Bankers) with NQF level 6 – Completed 2007. I am highly motivated, commit to everything I do and set high goals for myself over and above the goals expected, to become the best in my field. I was ranked number one Account Executive nationally by exceeding all the targets set. I have a well-developed sense of business and Commercial insight.
I am a driven individual and have an immense passion for the financial markets and strategic roles. My experience lies within middle organizations that have allowed me to be part of the challenging, fast-paced, pressurized and competitive environment. My career goals are to develop myself with your company, devote my skills and experience for a company with great vision and exceptional culture and learn from high performance individuals. I will be able to jump right in and translate my past success to your company.
EMPLOYMENT
DGA Business and Financial Solutions (Pty) Ltd
October 2020 – Current
DGA Business and Financial Solutions (Pty) Ltd have positioned the company as an Immersive financial intermediary, servicing the needs of Suppliers, Buyers and Financiers. Immersion comes about in several ways, but basically, we fulfil the role of an external source of valuable market insights (e.g. risk appetites, knowledge, and expertise in respective fields) and use that together with a customer’s unique characteristics to find optimum solutions within their value chain. In a nutshell, we immerse ourselves to the extent necessary to understand the respective businesses deeply, their role, wants, needs and how traditional and non-traditional approaches may come into play. Occasionally, an opportunity arises where we play a role in the processes, risks/rewards that emerge from engagements and become invested in that manner. Typically, solutions come in the form of financial products for which we have been approved to promote by several large Tier 1 Commercial Financial institutions. down to much smaller funders of individuals and we derive an income from that source as a broker who does not simply give funders leads but are well positioned to have Personal Informed objective views that assist funders make the right decisions and therefore customers getting the appropriate financial assistance. Account Executive – Specialised and Capital Equipment Finance Sunlyn (A division of Sasfin)
29 Scott Street, Waverley
1 May 2019 to 31 July 2020 – Retrenched.
- Client/ Supplier relationship management
- Administration, financial assessment and analysis
- Develop a Sales Strategy, ensuring financial targets are achieved and a high level of client relationship management is provided to both new and existing clients.
- Ensure the smooth running of all accounts.
- Managing high work volumes in a pressurized environment
- Assist in the sales of Capital Equipment & Specialised finance products.
- Prepare and motivate credit applications
- Annual review of facilities
- Prepare sales related reports
- New business acquisition – Suppliers and customers Acquisition Manager – Business
Standard bank- Rosebank
33 Baker Street, Rosebank
November 2017 to April 2019
My role as Acquisition manager in Business Banking includes the following:
- Establish new business accounts to grow the profitability for the bank.
- Understand the company, identify the business needs of the customer and recommend suitable banking solutions such as credit needs, cash management, transactional, Trade and Debtor Finance, Working capital finance, Vehicle and Asset Finance, Property Finance, investment needs etc.
- Aggressively drive market share growth and revenue by identifying areas of opportunity where the bank has the ability to build market share and cross/ up sell opportunities for the group.
- Achieve/ exceed set targets and objectives through the successful implementation of core and value add solutions.
- Analyse financial statements.
- Assist companies with Business plans
- Cash flow forecasts
- Negotiations
- Deal structure and motivate credit applications etc. Client Portfolio Executive – Business
FNB – Greater Sandton
7 Merchant Place, Sandton
October 2016 to October 2017
My role as a Client Portfolio Executive in Business banking includes but is not limited to the following:
- Business coaching and development.
- Establish, maintain and deepen relationships with business clients to grow the profitability and retain the relationship.
- Understand the company, identify the business needs of the customer and recommend suitable banking solutions such as credit needs, cash management, transactional requirements, investment needs to help the business grow.
- Develop a business plan to exceed goals and adhere to banking audit and policy procedures.
- Aggressively drive market share growth and revenue by identifying areas of opportunity where the bank has the ability to build market share and cross/ up sell opportunities for the group.
- Achieve/ exceed set targets and objectives through the successful implementation of core and value add solutions.
- Accurately forecast and budgeting client activity and associated revenue.
- Motivate and process credit applications including, overdrafts, term loans, merchant, debtor finance, cards, fleet, guarantees, franchise, collections, property finance, Mergers and acquisitions, Structured finance, Trade finance etc.
- Conduct detail market analysis and industry trend to provide the most comprehensive solutions to clients.
- Execute strategy and drive Key initiatives within the portfolio to achieve completion of all objectives.
- Coaching less experienced associates and function as an “on-the-job” trainer. With this, I have an account manager who reports directly to me.
- Periodic review of existing facilities and loan arrangements.
- Maintain knowledge of accounting and financial principles, marketing and sales principles, credit analysis, economics, banking law and regulations and other bank functions. Business Manager- Business Relationship Manager
First National Bank
Bracken City, Brackenhurst
12 October 2015 to October 2019
My role as a Business Manager includes but is not limited to the following:
- Business coaching and development.
- Establish, maintain and deepen relationships with business clients to grow the profitability and retain the relationship.
- Understand the company, identify the business needs of the customer and recommend suitable banking solutions such as credit needs, Trade and Debtor Finance, Property Finance, Cash flow, cash management, transactional requirements, investment needs to help the business grow.
- Develop a business plan to exceed goals and adhere to banking audit and policy procedures.
- Aggressively drive market share growth and revenue by identifying areas of opportunity where the bank has the ability to build market share and cross/ up sell opportunities for the group.
- Achieve/ exceed set targets and objectives through the successful implementation of core and value add solutions.
- Accurately forecast and budgeting client activity and associated revenue.
- Motivate and process credit applications including, overdrafts, term loans, merchant, debtor financer, cards, fleet, guarantees, franchise, collections, property finance, etc. New Zealand
May 2015 – September 2015
Account Executive – Business Relationship Manager
The Standard bank of South Africa Limited
Johannesburg CBD
February 2011 to March 2015
My role as an Account Executive in Business banking includes but is not limited to the following:
- Business coaching and development.
- Establish, maintain and deepen relationships with business clients to grow the profitability and retain the relationship.
- Understand the company, identify the business needs of the customer and recommend suitable banking solutions such as credit needs, cash management, transactional requirements, investment needs to help the business grow.
- Develop a business plan to exceed goals and adhere to banking audit and policy procedures.
- Aggressively drive market share growth and revenue by identifying areas of opportunity where the bank has the ability to build market share and cross/ up sell opportunities for the group.
- Achieve/ exceed set targets and objectives through the successful implementation of core and value add solutions.
- Accurately forecast and budgeting client activity and associated revenue.
- Motivate and process credit applications including, overdrafts, term loans, merchant, debtor financer, cards, fleet, guarantees, franchise, collections, property finance, etc.
- Conduct detail market analysis and industry trend to provide the most comprehensive solutions to clients.
- Part of the number 1 Business banking suite nationally.
- Consistently recognized in the top 10% of the nation for budget and balance performance.
- Execute strategy and drive Key initiatives within the portfolio to achieve completion of all objectives.
- Coaching less experienced associates and function as an “on-the-job” trainer. With this, I have an account manager who reports directly to me.
- Periodic review of existing facilities and loan arrangements.
- Maintain knowledge of accounting and financial principles, marketing and sales principles, credit analysis, economics, banking law and regulations and other bank functions. Key Achievements:
- Top performer since 2007 onwards in business banking.
- Ranked number one Account Executive nationally in 2013.
- Beyond excellence achievement awards during the year for teamwork, top performance, customer service, exceeding sales targets, etc.
Accounts Manager – Business banking
The Standard bank of South Africa Limited
Vereeniging Business banking suite- South Africa
November 2009 – January 2011
Job description:
- To support the Commercial Account Executive with the day-to-day operations and maintenance of the allocated portfolio.
- Provide an overall administrative and credit management responsibility for the portfolio.
- Ensure that all compliance requirements within the portfolio are met.
- To act as a central office-bound contact point for the customer providing sales and service fulfilment.
- Support the Account Executive in meeting sales and service targets within their respective portfolios.
- Serves as a second point of contact for all customers on the portfolio.
- Interpret business and financial information to prepare and motivate credit applications in line with credit requirements.
- Monitors daily excesses to ensure that customer facilities are managed within the parameters set by credit.
- Ensure compliance with general banking, credit policies and procedures and all other regulatory requirements.
- Performs an operational support role, where a high frequency of problems that need to be dealt with on a day-to-day basis is required (authority sought, facility increases, collateral releases, collateral preparation, new products, etc.). These problems tend to be fairly complex in the commercial market.
Key Achievements:
- Top performer every year.
- Beyond excellence achievement awards for customer service, team work, performance, etc. Account Analyst – Business Banking
The Standard bank of South Africa Limited
Vereeniging Business Banking Suite
January 2007 to November 2009
Job Description:
- To support the Business Account Executive with the day-to-day operations and maintenance of the allocated portfolio.
- Provide an overall administrative and credit management responsibility for the portfolio.
- Ensure that all compliance requirements within the portfolio are met.
- To act as a central office-bound contact point for the customer providing sales and service fulfilment.
- Support the Account Executive in meeting sales and service targets within their respective portfolios.
- Serves as a second point of contact for all customers on the portfolio.
- Interpret business and financial information to prepare and motivate credit applications in line with credit requirements.
- Monitors daily excesses to ensure that customer facilities are managed within the parameters set by credit.
- Ensure compliance with general banking, credit policies and procedures and all other regulatory requirements.
- Performs an operational support role, where a high frequency of problems that need to be dealt with on a day-to-day basis is required (authority sought, facility increases, collateral releases, collateral preparation, new products, etc.). These problems tend to be fairly complex in the commercial market.
Key Achievements:
- Top performer every year.
- Beyond excellence achievement awards for customer service, team work, performance, etc. Other positions from 1 March 1996 to January 2007: Team Leader Bureau de Change:
The Standard bank of South Africa Limited
Johannesburg Branch
Account Support Officer
The Standard bank of South Africa Limited
Vereeniging Branch
Consultant Bureau de Change
The Standard bank of South Africa Limited
Vereeniging Branch
Officer Save Custody
The Standard bank of South Africa Limited
Vereeniging branch
Business Teller
The Standard bank of South Africa Limited
Meyerton and Vereeniging branch
KEY SKILLS
Technical Skills:
- Strong numerical skills and financial acumen to analyse, evaluate and identify trends in complex consolidated financial statements, balance sheets and ratios.
- A good understanding of the principles and practices of business economics and the current business economic environment.
- Accreditation for Excellence in Business Banking training by Comptivia
- A sound knowledge and understanding of credit principles and practices, including credit applications, collateral and balance sheet requirements.
- A strong working and educated knowledge of the terms and conditions of multiple legal entities, companies, close corporations, partnerships, etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.
- Sound understanding of current taxation laws as they apply to the portfolio of customers.
- Strong negotiation skills.
- Good knowledge of the technical portfolio management systems e.g. Siebel (E cubed), Microsoft Word, Microsoft Excel, Microsoft PowerPoint, Microsoft outlook, Collateral Maintenance System, ITC/ Experian, Windeed, Hogan, CIPC, CAS, etc.
- A good knowledge of administration processes and procedures pertaining to Business Banking transactions.
- New Business sales
- Business analysis
- Business set-up and business strategy
- Business plans
- Special projects
- Cash flow forecasting and budgets
- Deal maker
- Company registrations
- Operations and optimization
- Restructuring
- Debt Counselling
- Business mergers and acquisitions
Personal Skills:
- Strong negotiation and conflict management skills to create a cooperative and collaborative working environment where conflict is defused and managed.
- Excellent verbal and written communication skills.
- Perfectionist and persistent.
- Enjoys visiting clients, analysing their needs, negotiating and selling.
- Enjoy controlling and being in charge of a project, operation and division.
- Takes charge, directs, manage and organised.
- Socially confident/ relationship builder.
- Self-assured, enjoys meeting people, creates a good impression in social situations.
- Structured, diligent and conscientious.
- Goal directed and driven.
- Has a fast paced approach.
- Enjoys initiating and leading from the front.
- Flexible, creative and passionate.
- Fast learner and change catalyst.
EDUCATION
Moonstone Information Refinery (Pty) Ltd
FAIS – First Regulatory Examination: Representatives RE5 – completed 2015
Milpark Business School
Rosebank, Johannesburg, South Africa
Bachelor of Commerce, with a major in Banking
NQF level 7
SAQA ID 90509
Current status: Complete 2017
Modules completed:
- Banking 1B
- Business Management 1A
- Business Management for Banker 1
- Banking 1
- Banking 2B
- Business Management 2B
- Banking 3A, 3B and 3C
- Risk Management
- Finance
- Economics 2A
- Accounting for Banking 1A
- Economics for Bankers 1A
- Economics for Bankers 1B
- Law: Introduction
- Credit Risk Assessment
- Law B: Legal Aspects of Banking
- Risk Management
- Taxation
- Accounting 1A
- Banking 1A and B
- Business Management 1A and B
- Economics 1A and B
- Financial management
- Economics C1, C2, C3
The Institute of bankers in South Africa
Johannesburg, South Africa
National Certificate in Banking
NQF Level 5
SAQA Registration no: 11541
Status: Completed June 2000
The Institute of Bankers in South Africa
Johannesburg, South Africa
Financial Service Diploma in Credit
NQF Level 5
SAQA Registration no: 20331
Status: Completed April 2005
Modules completed;
- The Economic Environment
- Business Accounting and Taxation
- Financial Concepts
- Legal Aspects of Banking
- The Financial Markets 1
The Institute of Bankers in South Africa
Johannesburg, South Africa
Advance Diploma in Credit (CAIB)
(Certificate Associated to the Institute of Bankers) NQF Level 6
Status: Graduated April 2007
Modules completed:
- International Monetary Economics
- Advanced Banking Law
- Risk Management
- Financial & Management Accounting
- Credit Risk Assessment 2
- Finance
Heidelberg Volkskool: Gr 11
Heidelberg, South Africa
Courses taken with The Standard bank of South Africa Limited and FNB:
- Micro Strategy
- Understanding Financial Accounting
- Business Accelerator Program
- Relationship sales for Business Managers
- Measure and Assess Financial Risk
- Credit training
- Account opening optimization
- Financial Need analysis
- Financial Planning
- Prospecting master class
- Retirement concepts
- Negotiation Skills
- Excellence in Business Banking
- Relationship building and portfolio management
- Analysing financial statements
- Cash flow
- International trade
- FEC’s, LC’s
- Conflict management
- Foreign exchange
- Compliance training
- Customer service
- Telephone tactics
- Foreign exchange courses
- Teller courses
- Treasury
Personal Interests
- Involved in charity events for less fortunate communities.
- Fund raising for SPCA and Children homes.
- Horse riding, hiking, mountain biking, camping, river rafting and other outdoor activities.
- Reading
- Oil painting
REFERENCES
Quintin Stoltz
Business Unit Head
Business Banking Vereeniging
Office: +27-16-454-****
E-mail: adm3mg@r.postjobfree.com
Amesh Patel
LAF Regional Manager
Rosebank
Contact this candidate