Thalita Van Den Heever
Analyst (Credit)
WIndhoek
Summary
Accomplished in enhancing credit operations at Bank Windhoek, I leveraged deep financial acumen and robust analytical skills to mitigate risks and streamline lending processes. Specializing in credit analysis and relationship management, I significantly improved loan quality and customer satisfaction, demonstrating a commitment to excellence and strategic problem-solving.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Senior Credit Officer
Bank Windhoek
Gobabis
11.2019 - 07.2024
- Compile credit scoring of businesses and individuals wishing to apply for Credit facilities
- General administrative office duties
- Assisted in developing strategies for mitigating potential credit risks.
- Reviewed and analyzed credit reports, financial statements, and other relevant documents to determine the risk associated with extending credit to customers.
- Monitored changes in industry regulations related to consumer lending laws and kept abreast of any updates or revisions that would impact current operations.
- Collaborated with credit association and business representatives to exchange valid credit information.
- Collected and checked borrower income, credit history and employment information.
- Researched alternative financing options available through third party lenders when necessary.
- Collected and organized loan documents before submission to underwriting.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
Credit Officer
Bank Windhoek
Gobabis
11.2017 - 10.2019
- Compile credit scoring of businesses and individuals wishing to apply for Credit facilities
- General administrative office duties
Collateral Officer
Bank Windhoek
Gobabis
05.2017 - 11.2017
- Compile collateral, legal and contracting related documents for businesses and individuals
- General administrative office duties
Sales Advisor
Bank Windhoek
Gobabis
05.2016 - 04.2017
- One stop service delivery to all clients of the bank; Meeting of sales targets allocated for the branch
Mobile Lifestyle Consultant
FNB
Okahandja
05.2014 - 04.2015
- One stop service delivery to all clients of the bank; Mobile sales services to elite clientele
Service Coordinator
FNB
Windhoek
09.2013 - 04.2014
- Management of department; Reports and Compliance; Service Delivery
HR Consultant
FNB
John Meinert St
02.2012 - 08.2013
- Interviews, attendance, stationery management and IR; Balancing of the full GL and related reports
Enquiries Consultant
FNB
John Meinert St
08.2010 - 01.2012
- Service delivery for all queries pertaining to account holders; administrative duties
Education
NSSCE -
Academia Secondary School
Windhoek, Namibia11-2009
Some College (No Degree) - Bachelor of Accounting
University of Namibia
WindhoekSkills
- Debt restructuring
- Documentation review
- Market trend analysis
- Credit underwriting
- Risk mitigation strategies
- Problem loan resolution
- Collateral evaluation
- Credit policy development
- Credit monitoring
- Pricing strategy
- Banking operations
- Relationship management
- Cash flow analysis
- Financial statement review
- Solution structuring
- Credit validations
- Request approval
- Financial statement analysis
- Loan recommendations
- Loan request evaluation
- Credit analysis
- Application preparation
- Credit assessments
- Documentation management
- Risk assessment
- Documentation preparation
- Customer relations
- Collateral risk
- Loan disbursements
- Credit scoring
- Creditworthiness determination
- Customer acquisition
- Financial acumen
- Delinquency monitoring
- Document evaluations
- Loan underwriting
- Cash flow forecasting
- Portfolio monitoring
- Risk analysis
- Data interpretation
- Compliance assessments
- Quality controls
- Financial ratio calculation
- Compliance reviews
- Sales support
- Credit scoring models
- Portfolio management
- Industry research
- Credit risk assessment
- Career development
- Employee surveys
- Interviewing techniques
- Performance appraisals
- Onboarding processes
- Employee engagement
- Internal communications
- Coaching and mentoring
- Succession planning
- Creativity and innovation
- Employment law
- Diversity and inclusion
- Talent acquisition
- Professionalism and ethics
- Compensation and benefits
- Information desk management
- Information management
- Database administration
- Multitasking Abilities
- Time management
- Problem-solving abilities
- Prioritization
- Telephone etiquette
- Recordkeeping and bookkeeping
- Greeting and seating clients
- Data entry
- Security awareness
- Reliability
- Document control
- Mail distribution
- Correspondence distribution
- Customer and client relations
- Public relations
- Critical thinking
- Analytical skills
- Multitasking capacity
- Business administration
- Detail-oriented
- Clerical support
- Claims handling
- Problem-solving
- Multi-Line Phone Usage
- Administrative support
- Typing speed
- 75 WPM typing speed
Certification
- Certificate in Resilient Leadership - HarvardX
- Certificate in Exercising Leadership: Foundational Principles - HarvardX
- Diploma in Credit Development Program - Learning and Development Bank Windhoek
- Computer Literacy - University of Namibia
- Principles of Management - University of Namibia
References
- NDINELAO NDAIKILE, HR Business Partner, Bank Windhoek Namibia, (264 61) 299 1671
- GERDA LEWIS, Credit Manager, Gobabis, Bank Windhoek, (264 81) 323 1133
- FNB HUMAN RESOURCES DEPARTMENT, Human Resources Coordinator, FNB Namibia, 2010 - 2016, (264 61) 299 2762
- OLIVIA HAMUKUAJA, Branch Manager, Windhoek Main Branch, FNB Namibia, 2013 - 2014, (264 61) 299 2566
- JEANETTE NTEMWA, Branch Manager, John Meinert Street, FNB Namibia, 2010 - 2013, (264 61) 299 2857
- HERMAN RUST, PRINCIPAL, Academia Secondary School, GRADUATE: 2009, (264 61) 242 404
Personal Information
Title: Credit Analyst
Softskills
Analytical Skills, Communication, Interpersonal Sensitivity, Reporting, Leadership, Following Procedure, Planning and Organisation, Phone Etiquette, Self-confidence, Delivering Results, Customer Focus, Pressure Handling, Teamwork, Reliability, Quality Conscious, Assertiveness
Languages
English
First Language
Afrikaans
Proficient (C2)
C2
Dutch
Upper Intermediate (B2)
B2
German
Beginner (A1)
A1
References
References available upon request.
Timeline
Senior Credit Officer
Bank Windhoek
11.2019 - 07.2024
Credit Officer
Bank Windhoek
11.2017 - 10.2019
Collateral Officer
Bank Windhoek
05.2017 - 11.2017
Sales Advisor
Bank Windhoek
05.2016 - 04.2017
Mobile Lifestyle Consultant
FNB
05.2014 - 04.2015
Service Coordinator
FNB
09.2013 - 04.2014
HR Consultant
FNB
02.2012 - 08.2013
Enquiries Consultant
FNB
08.2010 - 01.2012
- Certificate in Resilient Leadership - HarvardX
- Certificate in Exercising Leadership: Foundational Principles - HarvardX
- Diploma in Credit Development Program - Learning and Development Bank Windhoek
- Computer Literacy - University of Namibia
- Principles of Management - University of Namibia
NSSCE -
Academia Secondary School
Some College (No Degree) - Bachelor of Accounting
University of Namibia
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