I have extensive experience in the lending industry, having worked in the Retirement fund industry for 8 years, where I did pension-backed lending and thereafter moving to Enterprise Funding. This is the industry that I have been in for the past 12 years. I started off as an administrator, moved to Credit Controller; Compliance, Systems and Reporting for the Enterprise Finance division. I was then promoted to become a Microfinance Specialist, this also included assessing client’s credit worthiness, approving loan applications and continuous monitoring of client to minimize risk. In this role I was also responsible for ensuring that the correct credit policies were in place and adhered to by all staff who were responsible for deal making and collections. The credit controllers, which were located in all 12 branches of the organization, reported to this position. My experience also includes managing several projects and staff at various points in my career, having been an Operations Manager, whereby I was looking after 12 branches ensuring that the operations thereof are not interrupted, effective and providing efficient services to the organisation’s clients. This was done hand in hand with the branch administrators and managers. Currently I am responsible for the full debtors’ management function together with the Workout and Restructure of facilities, for the organization, looking after a loan book of R350million consisting of 280 loans and reporting to the CFO. In the first year while responsible for the collections, I achieved a repayment rate of 100% and an impairment rate of below 15% which were both exceeding the target. The repayment rate for the organization has never been below 99% since then. Most recently I was appointed to act as Head of Post Investment, Monitoring and Business Support for a period of 4 months while the organization was busy with the recruitment of a permanent head. My skills include credit vetting, debt restructuring, numeracy, administration, compliance, credit control, bookkeeping, project management, reporting, portfolio management and operations and managing other staff. I am a highly motivated, assertive person, with great communication and conflict resolution skills. I work very well under pressure. I strive to meet all my deadlines on time all the time, while ensuring both internal and external customer satisfaction.