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Phiko Mpono, Credit Analyst

Phiko Mpono

Credit Analyst

First National Bank

Location
South Africa
Education
Bachelor's degree, Accounting
Experience
4 years, 10 Months

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Work Experience

Total years of experience :4 years, 10 Months

Credit Analyst at First National Bank
  • South Africa
  • January 2010 to October 2014

• Assessing the scoring and risk criteria of home loan applications from bonds ranging from
R300k to R4million and granting approvals based on outcome of assessment.
• Assess sectional title deals, full title, developments, switch and building loans
• Assess deals for the client for bonds based on affordability, analyzing the income and
expenses and risk exposure of the client.
• Recommend risk mitigation procedures for clients and provide advice on interest rates for
financial services pertaining to home loans.
• Conduct finals on valuation reports based on valuations on FNB system and addresses or
area rating.
• Verify alignment of properties on Property Barometer and Offers to Purchase on record.
• Keep up to date with the credit policy
• Conduct finals on valuation report
• Assessing agricultural Holding and make offers according to Credit Policy

Education

Bachelor's degree, Accounting
  • at University of the Free state
  • January 1998

A B Comm accounting majoring in accounting and Economics

Specialties & Skills

Microsoft Excel
+Endorse 0
Sales
+Endorse 0
Customer Service
+Endorse 0
Pastal Accounting
+Endorse 0
Pastel Accounting
+Endorse 0

Languages

English
Expert
Afrikaans
Beginner

Training and Certifications

B Comm Accounting (Training)
Training Institute:
University of the Free state
Date Attended:
January 1998
RPE examinations (Training)
Training Institute:
Souh African institute of finanancial markerts
Date Attended:
January 2013
Duration:
50 hours

Hobbies

  • Going to the jim
    I was an athlete and I have some medals in 100m and 200m
  • Going to the jim