Lebogang Radikara

• Investigate and evaluate customers for creditworthiness and potential risk factors.
• Analyze applicants' financial status and credit and property evaluations to determine loan feasibility.
• Obtain and review credit reports, credit references, credit insurance and financial statements to establish credit limits for new loans.
• Review and analyze loan procedures.
• Provide training and consultation with struggling teams to help meet monthly target goals.
• Work cross-functionally with sales, management, and other departments to maintain effective operations.
• Recognized across organization for diligence, accuracy and contributions toward maintaining good quality submissions of loan applications.
• Perform annual reviews for about to expire overdraft limits and houseowners insurance.
• Collaborate with management to evaluate credit strategies and develop improvements.
• Develop strategies to expedite loan payments and customer resolutions within premium segment.
• Obtain and interpret financial statements to assist in credit limit reviews for self employed customers.
• Optimized credit origination processes for premium segment, improving operational efficiencies by over 80%.

• Conducted presentations to upper management and executive teams for loan recommendations.
• Improved understanding of financial statements, which helped in assessing risk.
• Offered insight to upper management regarding credit decisions.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit to self employed customers.
• Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
• Gathered loan documentation for underwriting on secured loans (mortgage loans).
• Performed credit reviews on corporations to assess financial conditions for self employed customers.
• Assessed credit risk and analyzed financial statements for retail customers under premium segment.
• Conducted financial review of customer lines of credit by assessing company financials and or payslips and initiating credit application reviews.
• Collaborated with other teams to identify and mitigate risks impacting organization.
• Analyzed credit scores to determine borrowers' creditworthiness. (Crb and Itc reports).
• Participated in loan committee meetings to provide input on lending processes. (Policy reviews).
• Attended credit-related training and conferences to stay informed about industry trends and developments.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.

• Made decisions and recommendations about extending lines of credit.
• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
• Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
• Gathered loan documentation for underwriting.
• Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
• Participated in loan committee meetings to provide input on lending processes.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Analyzed credit scores to determine borrowers' creditworthiness.
• Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
• Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
• Developed credit models to assist in the credit decision process.
• Complied with internal controls and government regulations.
• Negotiated payment plans and loan terms with delinquent customers.
• Performed credit reviews on corporations to assess financial conditions.
• Investigated and resolved customer disputes related to credit decisions.
• Maintained compliance with applicable regulations and laws governing consumer credit.

FNBB Executive Trainee Programme is a two (2) year intensive training programme which seeks to identify talented and gifted graduates for training and development in various managerial and leadership roles across key business functions. This program ensures a constant stream of high caliber individuals who will support the bank talent management and succession plans. During the two year period I have worked under the following sections within the bank:

• Branch Banking - sales consultant, telling and credit analysis

• Corporate banking - relation manager role to commercial customers

• Treasury Division

• Used consultative sales techniques to understand customer needs and recommend relevant products
• Provided sales and customer service assistance to walk-in customers
• Cultivated lasting rapport with key industry clients by providing accurate pricing and credit terms to meet customer objectives.
• Maximized customer retention by resolving issues quickly.
• Responded to telephone and in-person requests for information.
• Applied knowledge of market and full range of innovative and unique products to meet customer needs, expanding company's customer base.
• Followed up with existing customers to provide additional support and address concerns.
• Maintained sense of urgency in answering customer questions and requests through email or telephonically.
• Stayed knowledgeable on latest products or service innovations and technological advancements through continuous training.
• Achieved top performance by strategically adapting to rapidly changing, competitive environment.
• Improved sales by managing sales lifecycle from lead generation through contract negotiations and closings.