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Hillcrest
Zama Nkosi

Zama Nkosi

Analyst - Credit and Financial

Accounting / Finance

Hillcrest, eThekwini Metropolitan Municipality

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About Zama Nkosi:

Ambitious young professional with over 2 years of experience in credit and financial analysis, and risk management. Perpetual learner looking for a challenge with an opportunity for growth.

Experience

In my current role as a Credit Analyst, I performed several functions. Namely;

Determination of a client’s creditworthiness through analytics:

  • Performed robust financial and non-financial analysis on the client on a credit basis.
  • Assisted in the compilation of comprehensive credit applications for SMEs.
  • Exposed to deal structuring and credit underwriting.
  • Generated country and sector market reports.
  • Conducted extensive research on commodity markets.
  • Collaborated with credit committee members to approve or deny applications.

Risk Management:

  • Routinely monitored underlying loans for compliance for a $15M Structured Trade Finance portfolio.
  • Ensure covenants and conditions are met on a weekly basis.
  • Maintain a detailed due diligence list on the client's portfolio, detailing what facilities they have to ensure early pick-up of change in the client’s business or operating environment.
  • Presented regular reports to the credit committee and delivered investment portfolio updates.
  • Ensure that the company's credit policies and philosophy are fully complied with at all times.
  • Developed and managed credit models. 

Education

Obtained a BCom in Management Studies from the University of Cape Town in 2021.

Modules included: Financial Accounting, Financial Reporting I Finance II, Financial Management, Advanced Macro & Micro Economics, International Trade & Finance, Public Sector Economics, Quantitative Methods in Economics, Mathematics I, Statistical Theory & Inference, and Applied Statistics.

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