Credit Analyst Code 10

Location:

Johannesburg, Gauteng, South Africa

Posted:

November 29, 2022

Contact this candidate

Resume:

CURRICULUM VITAE OF

DINEO TSOTETSI

COVER PAGE

A competent and committed banking and finance graduate, who has hands on knowledge and experience of banking processes as well as the planning and practical implementation phases of financial projects. I also hold a National Credit Management Diploma, together with National Certificate in Commercial Accounting obtained from the University of Johannesburg.

Over five years’ experience in providing financial services and assisting Debt Councillors in making informed decisions, by showing them various options we have to rehabilitate their clients and helping them assess merits of different plans offered by financial institutions. Remarkably knowledgeable, self-motivated and result orientated Credit Analyst with huge background analysing paying patterns or behaviours of customers who are delinquent in payment of bills and recommending action and ensuring company credit policies and procedures are adhered to.

I also possess in debt knowledge of Mortgage, loans and all products offered by all authorised credit providers, together with excellent communication skills and ability to communicate with clients and colleagues on detailed financial issues. My experience as a Debt Review Consultant was first obtained from Standard Bank as a Proposal Officer (SBG-09), which led me to the next position at First National Bank as a Debt Review Consultant in the Terminations department, in which I learnt and experienced all that I could.

I am now seeking to grow in other aspects of the finance and insurance field. PERSONAL PROFILE:

SURNAME : Tsotetsi

FIRST NAME : Dineo

ID NUMBER : 850-***-**** 088

GENDER : Female

NATIONALITY : South African

LANGUAGES : English, Afrikaans, IsiZulu, SeSotho

HEALTH STATUS : Good

DRIVER’S LICENSE : Code 10 (C1)

CONTACT DETAILS:

RESIDENTIAL ADDRESS : 40 Felix Drive, Kiblerpark, Johannesburg, 2091 CONTACT NUMBERS : 072-***-**** 011-***-****

EMAIL ADDRESS : ***************@*****.***

EDUCATIONAL QUALIFICATIONS:

LAST SCHOOL ATTENDED : Mondeor High School

HIGHEST GRADE PASSED : Grade 12 (Matric)

YEAR OBTAINED : 2004

SUBJECTS PASSED : English, Afrikaans, Accounting, Business Economics Mathematics, Biology

TERTIARY QUALIFICATIONS:

NAME OF INSTITUTION : University of Johannesburg

COURSE : National Commercial Certificate in Accounting YEAR OBTAINED : 2006

SUBJECTS : Business Law, Commercial Law, Law of Contracts, Accounting, Business Calculations, Management, Credit Management NAME OF INSITUTION : University of Johannesburg

COURSE : National Diploma in Credit Management

YEAR OBTAINED : 2011

SUBJECTS : Commercial Accounting, Corporate Law, Contracts Law, Mercantile Law (major), Credit Management (major), Financial Accounting (major), Management (major), Economics I also intent on furthering my studies by completing a B-Tech Credit Management course at the University of Johannesburg.

EMPLOYMENT HISTORY:

COMPANY NAME : First National Bank

POSITION : Bank Teller

DURATION : 2009 – 201

MAIN DUTIES : Provided account services to customers by making and receiving cash and cheque deposits payments, cashing cheques, issuing cash and cheque withdrawals, verifying customer details and information, and answering queries telephonically, referring to other bank services.

COMPANY NAME : Monument Toyota

POSITION : Administrator

DURATION : 201 – 2011

MAIN DUTIES : Distributing updated information within the office, including answering phones, taking memos and maintaining files regarding client profile and vehicle information. Sending and receiving correspondence from customers, product houses and all financial institutions.

COMPANY NAME : Standard Bank

POSITION : Debt Review Consultant

DURATION : 2011 – 2013

MAIN DUTIES : Recommended recovery strategy with view to rehabilitate clients profile. Manage client relationship to facilitate recovery and liaise with internal and external counterparts with a view to reach a solid recovery proposal. Maximise recovery on distressed debts to minimise charges related to clients portfolio and recommend other suitable repayment solutions.

COMPANY NAME : First National Bank

POSITION : Debt Review Administrator

DURATION : 2013 – 2018

MAIN DUTIES : Providing administrative support to debt counsellors and other registrants. Receiving and managing transfer requests from debt counsellors. Sending out communication to all industry stakeholders including debt counsellors regarding financial status of the client. Liaising with other departments on debt review changes and related Issues. Managing the administrative process for compliance monitoring and support for debt counsellors.

COMPANY NAME : Santam

POSITION : Sales Consultant

DURATION : 2018 – 2019

MAIN DUTIES : Generating a suitable quote for a client from the Broker and turning it into a policy which is converted to a sale, providing only personal lines short term insurance.

COMPANY NAME : Wesbank

POSITION : Customer Services – Sales Consultant

DURATION : 2019 November

MAIN DUTIES : Providing clients with settlement letters, Natis documents and making arrangements for accounts in arrears. Re-directing calls to relevant departments.

COMPANY NAME : SAB

POSITION : Credit Analyst

DURATION : 2019 December – March 2020

MAIN DUTIES : Collections on accounts in arrears (7,14,21 days). SAP and Avaya, internal spread sheet. Analyse credit data and financial information of client / customers that are applying for credit, or limit increases to existing customers. Analyse the risk and make a decision based on the credit module.

REFERENCES:

COMPANY NAME : First National Bank

CONTACT NAME : Una McPeterson (Branch manager)

NUMBER : 011-***-****

COMPANY NAME : Monument Toyota

CONTACT NAME : Lizell Lyutt (Financial manager)

NUMBER : 011-***-****

COMPANY NAME : Standard Bank

CONTACT NAME : Dikotana Rantho (Manager)

NUMBER : 011-***-****

COMPANY NAME : Standard Bank

CONTACT NAME : Gugu or Carla (Team leaders)