I am a highly experienced individual who in the course of the execution of my duties believes in team work, collective leadership and collective responsibilities. As an independent and critical thinker, I curved myself a niche in the field of Credit through intensive education, development and learning. With experience in the credit environment spanning in excess of ten years, obtained from various leading financial institutions in South Africa, I have developed a passion for retail credit in personal markets, Strong sales professional skilled in Negotiation, Credit Analysis, Sales, banking, Customer Relationship Management (CRM), Bond Origination and Real Estate . I am a graduate of: -Gibs – Junior Management Programme -University of North West –Certificate in Financial risk 2 -University of North West – Certificate in Business Management 2 -Ekurhuleni West College – National Diploma in Financial Management -The Diversity Institute –Certificate in Valuing Diversity -Insite Training – Certificate in Supervisory Skills -The Banking and Financial Service Campus –Certificate in Contractual Capacity (Individuals and Businesses) I have experience and in- depth knowledge in: -Presentation skills -Project Management -Business Management -Customer relations Skills -Credit assessment skills on Businesses, individuals and Self Employed