Michael Govender Email & Phone Number

Johannesburg Area, South Africa

Johannesburg Area, South Africa

● Average APU R12 000.00.● Arranged finance on behalf of clients.● Loaded deals on Signio, and Lighthouse Auto.● Invoiced deals on Auto Dealer Administration System. ● Invoiced warranties on Debella Finance.● Costing (Front end and Back end profit before deal could be invoiced out).● Arranged all relevant documents for finance.● Liaised with clients regarding finance feedback and signing up finance agreements.● Reported on All payout during the Cashflow meeting every morning● Signed and verified documents for finance● Arranged insurance quotations.● Submitted of payout documents and obtaining payout within 48hours.● Sold value added products to generating second gross income.● Requested settlements and natis documents.● Performed HPI check on trade in vehicle's ● Report on debtor’s reports.● NCA, FICA AND FAIS compliance.

Johannesburg Area, South Africa

● Relieved F&I at various dealership (Suzuki Bryanston,Suzuki Northcliff)● Arranged finance on behalf of clients.● Loaded deals on Signio, Seriti and Lighthouse Auto ● Invoiced warranties on Debella Finance.● Each dealership had different targets per a deal so I tried my best to achieve they targets.● Arranged all relevant documents for finance.● Liaised with clients regarding finance feedback and signing up finance agreements.● Signed and verified documents for finance● Arranged insurance quotations.● Submitted of payout documents and obtaining payout within 48hours.● Sold value added products to generating second gross income.● Requested settlements and natis documents.● Report on debtor’s reports.● NCA, FICA AND FAIS compliance.

Durban Area, South Africa

● Arranged finance on behalf of clients.● Averaged number of Taxis sold was 45 ● Managed a team of 6 staff ● Managed purchasing, appraising and inventory● Oversaw invoicing ● Liaised with various Taxi association and owners● Assisted and completed Finance application for Taxi Finance● Arranged with SA Taxi Finance Office to sign client.● Assisted and arranged insurance quotes● Ensured that the dealership is properly merchandised● Operated within company, policies and procedures, exercising control and providing direction● Dealt with client quires and complaints amicablyKey achievements ● Managed to build relationship with various different taxi associations.● Implemented admin processors for quicker turn around time in when delivering vehicle.

Durban Area, South Africa

● Averaged number of vehicles sold was 50 including cash and finance.● Sold value added products to generate second gross income.● Managed purchasing, appraising and inventory.● Effective management, monitoring and achievement of the branch’s business targets.● Exercised control and provide direction to ensure the achievement of profitability and growth strategies for the branch.● Ensured that the dealership is properly merchandised.● Complied with all legislative requirements.● Operated within company, policies and procedures, exercising control and providing direction.● Supported and assisted salesmen to set realistic and aggressive monthly targets and support deal closure and approval.● Requested settlements and natis documents from banks.● Managed vehicle pricing and discounting of vehicles.● Was able to maximized profitability to meet monthly targets and goals.● Was able to Streamline processes when applying for finance to ensure quick response from banks.● Dealt with client quires and complaints amicably.Key achievements ● Achieved Monthly targets● Made the dealership more profitability by obtaining stock on consignment

Durban Area, South Africa

● Ensured that the dealership is properly merchandised● Managed a portfolio of 36 million a month, which consist of used cars and group dealerships.● Budgeting – Managed dealerships target and dealer incentive.● Calling program – visited dealerships twice a week.● Worked has relief finance and insurance manager when required.● Trained and assistance with value added product.● Collected and checked original contracts and documents from dealerships.● Managed Error and outstanding documents.● Implemented Marketing strategies to increase business with dealership.● Assisted finance and insurance Manager with training and signing of contracts.● Operated within MFC policies and procedures.● Completed all relevant regulatory examination.● Was able to manage MFC service level agreement with dealerships and clients.● Was able to do yearly strategic planning.● Management information and reporting principles, tools and mechanisms● Treated dealerships and customers fairly.● Managed transformation and change.● Was able to build partnerships and customer focus with dealership.Key achievements ● Increased market share within portfolio to over 60%.● Best performing BDO within the branch.

Pretoria Area, South Africa

● Ensured that the dealership is properly merchandised● Managed a portfolio of 36 million a month, which consist of used cars and● Ensured financial figures of the department are true and accurate. ● Controlled, monitored and distributed workflow.● Ensured that all processes are in place and up to date. ● Attended to client queries and complaints .● Rewarding/recognition of staff on outstanding performance.● Continuous Coaching and development of staff .● Managed and maintain cost within budget .● Reported on any risks identified to Manager .● Maintaining high ethical standards to prevent market abuse.● Ensured that staff, at all times, are skilled and training is constantly receiving attention.● Maintain succession planning and maintain Performance Management .● Good knowledge of vehicle finance systems (lotus notes, AS400 & Transunion ITC).● Excellent knowledge of the applications, contract and payout processes.● Good knowledge of credit and lending principles and value added products ● Good understanding of the code of banking practice and proceduresKey achievements ● Increased productivity within region.● Won award for best-managed team and region.

Pretoria Area, South Africa

● Ensured that staff, at all times, are skilled and training is constantly receiving attention.● Ensured effective and accurate assessment of validations.● Analyzed gathered information and make an accurate decision accordingly.● Maintained low error rate to minimize the risk of the bank.● Prevented fraud from being transferred onto MFC book.● Prevented the loss of good application due to validations not properly done ● Improved Human Resources Business Processes.● Passed all relevant regulatory examinations.● Was able to fill the role of Administration officer including data capturing and filling.Key achievements ● Was able to detect and reduce fraudulent deals.● Was able to Validate 800 deals in a month

Pretoria Area, South Africa

● Adhered to bank policy and procedure.● Captured finance application on Lotus Note System.● Ensured that all conditions and risk elements are 100% in place.● Accurately checked and paid 800 deals per month.● Reported suspicious and fraudulent transactions.● Managed and maintained cost within budget● Trained on relevant to software and systems (Lotus Note, AS400 and Transunion ITC).● Was able to build dealers relationship, loyalty and trust.● Was able to take action and making decisions on deals.● Was able to handle high stress tolerance during month end week.● Managed workflow includes Time Management and self-management.● Prepared and distributed contracts to the dealers.● Adhered to turnaround times when processing deals. Key achievements ● Wrote and passed all bank examination.● Won employee of the month numerous occasion

Diploma In Psychology In Sales, Selling Skills And Sales Operations, 79%

Diploma In Career Advancement, Human Resources Management/Personnel Administration, General

Diploma In Microsoft Excel, Computer Program

Further Education And Training:Short Term Insurance -Nqf Level4, Banking, Corporate, Finance, And Securities Law

1.Short Skills Program 1-Personel Line (31 credits) 2.Short Term Block 2 - Personal and Commercial Line (33 credits) 3.Short Skills.

Diploma In Social Media Marketing, Marketing, 79%

Dipolma In Digital Marketing, Marketing, 79%

First Level Regulatory Examination Representive, Finance And Insurance

RE5 certificate

Fica Awareness, Banking And Financial Support Services, 76%

Fica Awareness In Finance And Insurance, Banking And Financial Support Services, 76%

Smart Certified Education Trainer -Notebook, Workforce Development And Training

National Credit Act, Banking, Corporate, Finance, And Securities Law

NCR training Certificate

Facilitator Training:Information An Communications Technology In Education, Technology Teacher Education/Industrial Arts Teacher Education

Marketing Course (Nqf Level 4), Sales And Marketing Operations/Marketing And Distribution Teacher Education

Advance Driving Seminar

Advance Marketing (Nqf Level 5), Sales And Marketing Operations/Marketing And Distribution Teacher Education

Motor Industry - Finance And Insurance, Motor Industry

Purchase Protection Plan, Short Term Insurance

Bank Securities, Banking, Corporate, Finance, And Securities Law

Bank Examination

Motor Finance Application Laws, Banking, Corporate, Finance, And Securities Law

Basic Computing, Basic Computing Course

Senior Matric Certificate