Summary
Overview
Work History
Education
Skills
Timeline
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Mantshabeng Ramaisa

Johannesburg

Summary

Accomplished Credit Manager with a proven track record at FNB, knowledgeable with solid extensive banking background of over 22 years, adept in financial analysis and fostering client relationships. Experienced in risk assessments, enhancing credit decision-making processes, and driving team collaboration. Achieved significant improvements in client retention and risk management through innovative credit solutions and strategic partnerships.

Overview

21
21
years of professional experience

Work History

Judgmental Credit Manager

FNB
01.2019 - Current
  • Assess and evaluate customers for creditworthiness, potential risk factors and determine loan feasibility.
  • Obtain and review credit reports, credit references, and financial statements to establish credit facilities for new and existing applications.
  • Communicate credit decision and recommendations to stakeholders and where necessary, negotiates deal structures, special conditions and or security.
  • Fostered strong working relationships with clients and stakeholders, contributing to a client retention rate.
  • Delivered a comprehensive credit risk training to new credit analyst recruits and existing credit analyst team, enhancing departmental knowledge and capabilities.
  • Orchestrated cross departmental collaboration, reducing turnaround times by multi-skilling other credit managers.

Credit Solution Specialist

Wesbank - FML
12.2017 - 12.2018
  • Evaluated, and drive credit appetite on credit applications from inception to completion, ensuring timely delivery.
  • Consult with team and or senior credit committee on complex credit applications, and share specialist advice in area of expertise.
  • Increased client satisfaction by developing and implementing customized credit solutions for their specific needs.
  • Collaborated closely with sales teams during pre-sales activities such as crafting proposals or conducting demonstrations of product features.
  • Led regular meetings with internal teams to review progress against set targets, address challenges, and devise effective strategies for success.


Credit Analyst

ABSA Business Bank
10.2011 - 12.2017
  • Assessed credit risk, analyzed financial statements, and conducted an in-depth, specialized quality credit assessment on new potential and existing portfolio, enhanced decision-making process in extending credit facilities.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Streamlined credit analysis processes, leading to more efficient review times and improved risk detection.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.

Business Relationship Manager

ABSA Business Bank
07.2010 - 09.2011
  • Managed a portfolio of key accounts, ensuring consistent revenue generation and account retention.
  • Communicated regularly with clients to understand their needs, evaluate current product use and cross-sell new products.
  • Collaborated with cross-functional teams to develop and implement strategic initiatives for business growth.
  • Coordinated regular meetings with clients to review performance metrics and discuss areas for improvement.
  • Boosted customer satisfaction through timely resolution of issues, consistently delivering high-quality level of expertise, and proactive communication.
  • Implemented robust risk management strategies to protect the organization from potential losses or reputational damage.

Private Banker

Nedbank
09.2007 - 06.2010
  • Expanded client portfolio by identifying and acquiring high-net-worth individuals through targeted networking initiatives.
  • Boosted client satisfaction by offering tailored financial advice and investment strategies based on individual goals and risk tolerance.
  • Managed risk exposure by conducting thorough due diligence on potential borrowers before extending credit facilities.
  • Successfully managed a diverse client portfolio that included entrepreneurs, professionals, and high-net-worth families.
  • Analyzed financial needs of clients and developed tailored strategies to meet goals.

Retail Banker

Nedbank
10.2003 - 08.2007
  • Strengthened client portfolio by identifying needs and recommending suitable financial products or services.
  • Streamlined account opening processes for improved efficiency and a better client experience.
  • Engaged customers in needs-based conversations to identify opportunities and address banking plans and credit facilities.
  • Supported branch operations by performing various administrative tasks such as filing, data entry, and report generation as needed.
  • Collaborated with team members to achieve branch sales targets and enhance overall productivity.
  • Reduced transaction wait times through efficient multitasking and effective queue management techniques.

Education

B-Tech in Cost And Management Accounting - Financial Accounting And Cost Management

Vaal University of Technology
Gauteng

Skills

  • Credit reports/Credit scoring
  • Risk assessments and management
  • Client relationship management
  • Problem-solving
  • Multitasking Abilities
  • Critical thinking
  • Decision-making
  • Team collaboration
  • Financial analysis and reporting
  • Adaptability
  • Analytical skills
  • Interpersonal communication

Timeline

Judgmental Credit Manager

FNB
01.2019 - Current

Credit Solution Specialist

Wesbank - FML
12.2017 - 12.2018

Credit Analyst

ABSA Business Bank
10.2011 - 12.2017

Business Relationship Manager

ABSA Business Bank
07.2010 - 09.2011

Private Banker

Nedbank
09.2007 - 06.2010

Retail Banker

Nedbank
10.2003 - 08.2007

B-Tech in Cost And Management Accounting - Financial Accounting And Cost Management

Vaal University of Technology

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Mantshabeng Ramaisa