Daphney Khoza

Accountant with Bachelor of Commerce in Accounting degree and a post graduate diploma in Business administration. Skilled in financial analysis, credit management, bank reconciliations, financial statements overview and data analysis. Coming from the supply chain and logistics industry, looking for financial officer or credit controller roles, executive assistant and customer services roles. Experienced detail oriented finance professional who values productivity and integrity in a team with over 10 years experience in finance. Strong excel knowledge and advanced SAP FI proficiency. Solid team player with excellent communication skills, analytical skills, client centricity and deadline driven professional. I love a high paced environment as am easily bored and love challenges to keep me motivated. I strongly believe in life long learning and process improvements mark high in my list of accomplishments. I am friendly, adaptable and always bring a positive attitude in the teams I serve.

Trade Finance Professional | Business analysis | Sales | Retail Banking | Financial services 

Euro Exim Bank ·Feb 2023 - Present · 5 months Johannesburg, South Africa · Remote

• Attracting new clients (sales) involved in international trade such as exporters and importers by offering them trade finance services such as LC (Letter of Credit, SBLC (Stand-by Letter of Credit), BG (Bank Guarantee) necessary for them to trade successfully in the global market.

• Identifying opportunities (lead generation) and generating sales in allocated territory.

• Building and maintaining strong customer relationships and assisting with all relevant client checks.

• Reviewing Trade Finance client information in respect of Anti-Money Laundering (AML), Know Your Customer (KYC), and Counter-Terrorism Finance (CTF) requirements.

• Attracting new clients (sales) involved in international trade such as exporters and importers by offering them trade finance services such as LC (Letter of Credit, SBLC (Stand-by Letter of Credit), BG (Bank Guarantee) necessary for them to trade successfully in the global market. 

• Identifying opportunities (lead generation) and generating sales in allocated territory.

 • Building and maintaining strong customer relationships and assisting with all relevant client checks.

 • Reviewing Trade Finance client information in respect of Anti-Money Laundering (AML), Know Your Customer (KYC), and Counter-Terrorism Finance.

Business Consultant | Business Strategy | Root cause analysis | Supply chain and logistics

Beyond Measure Projects (Pty)Ltd · Self-employed. Sep 2020 - 2 yrs 10 months 

Kempton Park, Gauteng, South Africa · Remote

• Evaluated, tracked and planned mitigative action to prepare for potential financial risk.

• Weighed risks and benefits of various products to choose best service for clients.

• Negotiated purchase and sale of minerals and metals on behalf of clients to acquire cost friendly prices, benefiting both parties.

• Collaborated with banks, insurance companies and lenders to organize loans, finance and insurance for clients.

• Maintained excellent client relationships by helping them with applications and recommending appropriate deals.

• Simplified financial information to educate and guide non-technical clients.

• Assessed credit ratings to determine client risk and eligibility, aligning with company policy.

• Kept personal, sensitive and financial information of clients safely stored on database to maintain accurate records, in compliance with data protection laws.

• Scheduled initial and follow up consultations with clients to gather information, identify financial circumstances and preferences.• Evaluated, tracked and planned mitigative action to prepare for potential financial risk. • Weighed risks and benefits of various products to choose best service for clients. • Negotiated purchase and sale of minerals and metals on behalf of clients to acquire cost friendly prices, benefiting both parties. • Collaborated with banks, insurance companies and lenders to organize loans, finance and insurance for clients. • Maintained excellent client relationships by helping them with applications and recommending appropriate deals. • Simplified financial information to educate and guide non-technical clients. • Assessed credit ratings to determine client risk and eligibility, aligning with company policy. • Kept personal, sensitive and financial information of clients safely stored on database to maintain accurate records, in compliance with data protection laws. • Scheduled initial and follow up consultations with clients to gather information, identify financial circumstances and preferences.

South African Airways Cargo

Assistant Credit Manager | Senior Credit Controller | Risk Analyst | Accounts receivable

April 2018 - August 2020 2 years 6 months 

• Ensured that all payments received are allocated in the same month. Maintained that credit policy is adhered to and risk is protected by frequently updating bank guarantees for validity.

• Supervision of Credit controllers in collecting payments outstanding and oversight of outstations

• Daily checked if bank statement is loaded for credit controllers to be able to allocate cash paid.

• Quarterly ensured bank guarantees report is updated for Domestic as well as Regional and International stations.

• Prepared spending documents to calculate credit limits required to increase spending upon request.

• Assisted Credit Controllers to calculate rates and convert currencies when required.

• Accompanied Credit Controllers to attend client’s meetings to resolve queries

• Communicated with all Finance departments, Sales, IT and Operations departments to resolve customer queries.

• Ensured the vetting of new accounts request, opening of accounts in both systems iCargo as well as SAP

• Utilized feedback from Sales and Marketing to improve customer relationship. 

• Prepared cancellation letters for all guarantees withdrawn by clients or the bank.

• Reconciling of accounts to ensure payment received is equal to amounts owed

• Processing Accruals monthly and reversing actuals (Commissions/journals)

• Compiling audit documents as and when requested by Auditors

• Liaising with domestic and International stations on payments, opening of accounts & CASS (Cargo Accounts settlement system).

• Checking of errors on daily interface files and liaising with IT to resolve errors.

• Responsible for providing Auditors with requested documentation or reports. 

• Monthly checking age analysis of allocated accounts and providing reports to senior management.

• Clearing Customers accounts, reducing/increasing credit limits in line with secured captured bank guarantees

• Monthly sending of invoices and statements to customers.

• Ensured that all payments received are allocated in the same month. Maintained that credit policy is adhered to and risk is protected by frequently updating bank guarantees for validity.

South African Airways Cargo

Financial Officer | Creditors reconciliations | Financial reporting | Data analytics

March 2009 - March 2018 9 years 1 month

• Ensured that General Sales Agents (GSA) reports and airway bills are received, verified and reconciled to iCargo (in-house system)

•Identifying timing differences, variances or unreported sales and liaising with GSA's to revise.

•Responsibility included clearing forward sales accounts timeously as well as identifying airway bills not cleared and log with IT in the month that error occurred.

• Co-ordinated with the system support department with regards to system errors 

• Received, filed and recorded the contract copies and ensured that the contract terms are adhered to 

• Ensured that the iCargo account details report reconciles to SAP R3 interface data

• Confirmed the CCA’s (charges correction advice) and adjustments for the Forward Sales Section.

• Processing of charges correction advice and journals timeously to align iCargo and SAP R3 systems within the month end deadline period.

. Ad hoc projects from Revenue Manager or the CFO.

• Capturing of Sales Data in iCargo System

• Created, controlled and processed GSA commission timeously.

Executive PA to General Manager | Bookkeeping | Front Office management | Administration

S.A Land Transport & Equipment Pty Ltd · Full-time. Sep 2006 - Feb 2008 · 1 yr 6 months  

- General Office Administration

- Bookkeeping

- Travel management

- Diary management

- Writing speeches, minutes of meetings capturing

- Communicating with Stakeholders.

- Virtual Assistant

- Office Manager ( purchase orders, requisitions, quotations, invoices and statements)

- Online meetings ( Zoom, Skype, Microsoft Teams and Office365)- General Office Administration - Bookkeeping - Travel management - Diary management - Writing speeches, minutes of meetings capturing - Communicating with Stakeholders. - Virtual Assistant - Office Manager ( purchase orders, requisitions, quotations, invoices and statements) - Online meetings ( Zoom, Skype, Microsoft Teams and Office365)

2022 Unisa Graduate School of Business Leadership - Midrand 

Post Graduate Diploma Business Administration

2018 Damelin Management College - Boksburg

Bachelor of Commerce in Accounting

2019 Certificate - Cargo Business Strategy and Planning Management – IATA

2019 Certificate - Cargo Airline Management with Business Simulation – IATA

2019 Certificate - Cargo Revenue Management with Optimization simulation - IATA