Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Emmerenthia (Emma) Hayward

Karasburg - Karas

Summary

I am a hard working individual who is career driven. I strive to reach success in everything that I do in life. I am a devoted and honest person, who always tries to exceed all expectations. I have the skills to be a very good Credit Manager/ Officer. I am very good at analyzing financial statements and all credit related matters. I have a passion for the banking industry and love working under pressure. I tend to go more than the extra mile for my clients and always look for solutions to all issues. I am a person who is fair and can think broader than what is in front of you as I always try to see the bigger picture. I would say that I am an asset to any Financial institution.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Credit Manager

Bank Windhoek
05.2023 - Current
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Work cross-functionally with sales, management and other departments to maintain effective operations.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Oversaw reporting, documentation and recordkeeping requirements for department.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Negotiated settlements and payment terms with customers and delivered customized payment plans.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Developed strategies to expedite payments and customer resolutions.
  • Attended ongoing professional training to facilitate accurate and productive credit management.
  • Reviewed and analyzed loan procedures.
  • Streamlined processes for early identification of potential credit system and monitoring problems.
  • Referred delinquent accounts to collections department or outside resources.
  • Provided training and consulted with struggling teams to help meet monthly target goals.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
  • Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
  • Managed sub-ordinates in the credit and collateral department.
  • Provided training on credit matters to sub-ordinates.
  • Up skilling members of the credit department.
  • Building and maintaining an environment of Positive change and motivation for my sub-ordinates.
  • Challenging the department to do better with sales and up selling lines of credit
  • overseeing the whole of the credit and collateral department.
  • Monitor and manage the risk exposure of the bank
  • Analyze the financial statements of the clients and calculating ratios.
  • Maintain effective and open communication with stakeholders of the company
  • Collaborate with the team to ensure personal and business success.

Senior Credit Officer

Bank Windhoek
08.2022 - 05.2023
  • Maintain a good credit book of existing clients
  • Source for new profitable business for the bank
  • Ensure that all credit policies are adhered to whilst doing credit applications
  • Do credit applications for all head office clients
  • Report on arrear accounts and accesses
  • Assist and advise clients with financial guidance and credit suggestions
  • Manage the risk that goes with the credit sector of the bank
  • Ensure that the juniors are well equiped and give training on shortcomings
  • Establish new client relations and maintain existing relations
  • Keep up to date with competative bank's products
  • Offer support to junior credit officers
  • Understand Various market risks
  • Mitigate and manage risk for the bank
  • Have a clear understanding of the role as a senior credit officer
  • Formulate strategies and new concepts
  • Making credit descisions on applications for further actioning
  • Deliver and meet the customer expectations
  • Please turn the page.
  • Ensure that quality applications are submitted to credit
  • Ensuring that my Account Support is equipped with the needed skills (train her)
  • Come up with solutions where issues arise regarding lending strategies and client's not able to adhere to lending agreement teller, Forex and ATM Custodian, Standard Bank Namibla
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Adhered to banking standards and government lending guidelines for loan services.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Organized and finalized loan applications for underwriter review.
  • Checked appraisals, title information and insurance documents for each property.
  • Recommended approval or disapproval of commercial, real estate or credit loans.
  • Investigated and resolved customer disputes related to credit decisions.
  • Made decisions and recommendations about extending lines of credit.
  • Maintained compliance with applicable regulations and laws governing consumer credit.
  • Complied with internal controls and government regulations.
  • Negotiated payment plans and loan terms with delinquent customers.
  • Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
  • Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
  • Performed credit reviews on corporations to assess financial conditions.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.

Owner/Manager

Self Employed - Transportation
01.2020 - 07.2022
  • Managed day-to-day business operations.
  • Consulted with customers to assess needs and propose optimal solutions.
  • Trained and motivated employees to perform daily business functions.
  • Evaluated suppliers to maintain cost controls and improve operations.
  • Managed logistics of scheduled loads and routes
  • Calculated costing on loads, fuel consumption etc
  • Managed Drivers and other employees
  • Was responsible for the record keeping of the financial sector of the business, ensuring that the accountant receives the needed documents in order to compile VAT reports.
  • Reconciled the bank accounts weekly and followed up on Debtor payments
  • Established foundational processes for business operations.
  • Used knowledge of market trends to create value-added solutions resulting in significant increase in revenues.
  • Established, optimized and enforced business policies to maintain consistency across industry operations.
  • Oversaw business budget planning and administration, accounting functions, purchasing, and bi-weekly payroll to handle financial needs.
  • Developed and implemented marketing strategies to generate new customers and increase sales and profit margins.
  • Put together realistic budgets based upon costs and fees for successfully operating business.
  • Adhered to regulatory and policy changes and made necessary adjustments to maintain overall success.
  • Assessed damaged materials and notified maintenance personnel of needed repairs.

Personal Banker

Nedbank Namibia
01.2014 - 12.2019
  • My job duty at Nedbank as Personal banker was as follow:
  • Manage my portfolio as Banker
  • Find new business
  • Meet client needs
  • Relieve Branch administrator and Branch Manager when absent or on Leave
  • Loading and balancing of ATM's when relieving Branch administrator
  • Overseeing teller transactions and vault when relieving Branch Administrator and all other related BA roles
  • Submitting monthly returns when relieving Branch Manager
  • Build up and Maintain a good relationship with clients
  • Submit Credit Applications to Credit
  • All related credit application matters - Analyzing of Financial Statements
  • Educating clients on Finances and assisting them with Financial Advise
  • Maintain a good excess list (overdrawn accounts and arrear accounts)
  • Scrutinizing Credit applications before sending for approval
  • Checking of collateral
  • Managing home Loan projects in Keetmanshoop
  • Issuing of demand letters to overdrawn accounts and accounts in arrears
  • Actioning of referral reports daily
  • Cross-sold bank products and services to meet customer needs and provide options.
  • Promoted financial products by maintaining excellent service offering knowledge.
  • Followed up with customers to gather feedback and provide additional assistance.
  • Networked to increase client base and encourage existing clients to expand financial portfolios.
  • Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
  • Expanded client base by promoting new financial products.
  • Monitored customer accounts to detect irregularities or suspicious activity.
  • Verified customer identity and reviewed documentation for accuracy.
  • Presented new and additional products and services to existing customers.
  • Contacted customers as soon as issues arose to immediately find resolution before problem escalated.

Float, Teller, Forex Custodian

Standard Bank Namibia
01.2012 - 01.2014
  • After a few months I was promoted to a teller and then to a float
  • I was responsible for the Bethanie Agency as an Enquiries clerk and later on teller
  • I had to drive to Bethanie 2 -3 times a week to open the branch there and see to that all expectations are met
  • Please turn the page
  • I was later relieving in the ATM & Forex custodian's position as it was vacant
  • I was responsible for balancing of the ATM daily as well as all
  • Forex related transactions such as Travelers Chèques, Moneygrams etc.Admin/Secretary, ILT Accounting Services
  • I was responsible for all administrative jobs
  • Typing of Annual Financial Statements
  • Doing and Submitting Import Vat
  • Doing and submitting of PAYE returns:
  • Submission of VAT to Receiver of Revenue
  • Daily Banking
  • Registering of New Companies with the Registrar of Companies
  • Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
  • Processed customer transactions promptly, minimizing wait times.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
  • Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
  • Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
  • Maintained accurate records of customer transactions in line with bank procedures.
  • Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
  • Educated customers on use of banking website and mobile apps.
  • Assisted with training of new tellers on policies and procedures.
  • Identified sales opportunities and referred customers to branch partners in financial services.
  • Followed up on customer complaints and provided solutions to enhance customer satisfaction.

Education

Diploma - Credit Modules

Nedbank Namibia
Windhoek
11.2015

Certificate - Securities And Collateral

Nedbank Namibia
Windhoek
04.2014

Awarded - Top Achiever

Nedbank Namibia
Windhoek
03.2020

High School Diploma -

Keetmanshoop Private School
Keetmanshoop
11.2010

Skills

  • Commercial Lines of Credit
  • Financial Reporting and Analysis
  • Recruit Well-Qualified Staff
  • Familiar with Account Coding
  • Risk Analysis
  • Procedure Enforcement
  • Stakeholder and Investor Relations
  • Strategic Planning
  • Loan Policy Limits
  • Internal Controls and Reporting Systems
  • Client Relationship Management
  • Credit Approval and Denial
  • Performance Monitoring
  • Authorizations Knowledge
  • Business Activity Tracking
  • Strategic and Financial Planning
  • Market Condition Analysis
  • Operational Efficiency
  • Mentoring
  • Collections Actions
  • Risk Mitigation
  • Regulatory Submissions
  • Build Customer Relationships
  • Research
  • Fraud Understanding
  • Application Processing
  • Investment Guidance
  • Write Reports
  • Sales Expertise
  • Risk Assessment and Classification
  • Word Processing
  • Cost Control and Reduction
  • Microsoft Access
  • In-Depth Research
  • Performance Improvement
  • Firm-Level Financial Assessment
  • Risk Management Expertise
  • Policy Implementation
  • Regulatory Compliance
  • Correspondence Writing
  • Raising Capital
  • Cost and Budget Analysis
  • Coordinate Training
  • Investigation
  • Manage Cash Flow
  • Account Analysis Expertise
  • Legal Requirements
  • Credit Evaluation
  • Financial Instrument
  • Workflow Coordination
  • Loan Decision Assessments
  • Records Management
  • Securities Safekeeping
  • Analyzing Financial statements
  • Interpreting Financial Statements
  • Respectful and Loyal
  • Hard Worker and Fast Learner
  • Committed and dilligent

Certification

Certificate in Securities and Collateral

Nedbank Namibia

April 2014


Diploma in Credit

Nedbank Namibia

November 2015

Timeline

Credit Manager

Bank Windhoek
05.2023 - Current

Senior Credit Officer

Bank Windhoek
08.2022 - 05.2023

Owner/Manager

Self Employed - Transportation
01.2020 - 07.2022

Personal Banker

Nedbank Namibia
01.2014 - 12.2019

Float, Teller, Forex Custodian

Standard Bank Namibia
01.2012 - 01.2014

Diploma - Credit Modules

Nedbank Namibia

Certificate - Securities And Collateral

Nedbank Namibia

Awarded - Top Achiever

Nedbank Namibia

High School Diploma -

Keetmanshoop Private School

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Emmerenthia (Emma) Hayward