Lea-Ann Kruger has over 17 years of experience in sales, marketing, and financial advising in South Africa. She currently works as a Financial Adviser for Sanlam, where she builds relationships and provides solutions for clients' insurance, investment, retirement, and estate planning needs. Previously, she held roles in marketing, education consulting, mortgage lending, and as a Key Account Manager for an insurance company. Lea-Ann has a diploma in marketing and various financial services qualifications. She is seeking a mid-to-senior level global position that utilizes her strong communication, relationship building, and analytical skills.

1. Curriculum vitae
PERSONAL INFORMATION Lea-Ann Kruger (nee Latchman)
11 Everest Drive, La Mercy, 4405 Durban (South Africa)
(+27) 31 300 0674 (+27) 84 456 0029 (+27) 84 456 0028
lea-ann.kruger@sanlam4u.co.za OR leaannkruger@gmail.com
Skype Lea-Ann Kruger
PERSONAL STATEMENT A young, inspired professional, who is a creative thinker, thrives on innovation,
analytically minded, being able to form collaborated relationships with diverse
cultures, at all levels of communication within the workplace. With 17 years
combined experience in sales and marketing in the Finance and Insurance sector,
seeking employment within a Global company, in a Mid to Senior Level.
WORK EXPERIENCE
01/02/2014–Present Financial Adviser - Investment Generalist
Sanlam, Durban (South Africa)
▪ Successful track record in relationship building with corporates and customer relationship
management, both locally and internationally.
▪ Solid experience in the legal restrictions, laws of retirement plans, internal and external policies,
taxation, wills & trusts.
▪ Proficiency in understanding complex financial and legal documents.
▪ Devising strategies for the development of the business to attract and sustain clients.
▪ Understanding the financial scenario of the client, (including corporate clients), via in-depth analysis
of their cash flow/budget, insurance coverage, tax status and retirement plan.
▪ Offering solutions to risk and savings (life cover, income protection, retirement, property investment,
mortgage and property finance management, long term and short investment analysis).
▪ Monitoring the economy and assessing economic trends.
▪ Brief understanding on Solvency II (EU insurance regulatory legislation) knowledge updated via the
online tutorial course on Lloyds.com website.
01/03/2011–01/12/2013 Key Account Manager for Trucks/Direct Sales Executive/Regional Risk Business
Consultant
Outsurance (Sias Administration Pty Ltd), Durban (South Africa)
Business Development – Short Term Insurance:
▪ Prospecting new sustainable business, face to face or telephonically.
▪ Providing risk solutions ensuring businesses are adequately and correctly insured.
▪ Implementing strategies to effectively reach the target market (commercial sector, small to medium
enterprises).
▪ Forming collaboration partnerships with external long term brokers and business partners.
▪ Managing existing relations and building new relationships with truck and motor dealerships.
(Mercedes, Hino, FAW, UD Trucks, VW).
▪ Managing targets and goals set for dealership teams.
▪ Promoting CRM and a client centric environment by treating customers fairly.
▪ Mandate to underwrite new and existing risk commercial business. (approve or decline risks).
▪ Onsite risk assessment on commercial business. (Reporting to actuaries and Business
Underwriting Manager).
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2. Curriculum vitae Lea-Ann Kruger (nee Latchman)
Senior Retention Adviser: (01 Mar 2011 to 01 Oct 2011) - Pretoria:
▪ Crisis management of potential cancellations.
▪ Explaining features and benefits of insurance products.
▪ Underwriting new and existing business.
01/06/2010–01/03/2011 Marketing & Advertising Consultant
Centre Point Advertising & Media, Pretoria (South Africa)
01/10/2009–01/06/2010 Online Education Consultant
Educor Group (Intec & Damelin College), Pretoria (South Africa)
01/02/2008–31/07/2009 Property Finance Consultant & Branch Operations Assistant
Integer (PTY) Ltd Home Loans, Pretoria (South Africa)
▪ Advising on mortgage lending and related protection products.
▪ Screening of applicants.
▪ Reviewing of corporate legal documents: Trust, CC's, Pty's, Partnerships.
▪ Reviewing of financial business documents: Statement of accounts, Assets & Liabilites, etc.
▪ Understanding conveyancing and property ownership transfer process.
▪ Networking with financial advisors, estate agents, property developers and investors, insurance
brokers, bond originators.
▪ Managing high net worth professionals and corporate clients.
Operations within the Pretoria branch:
▪ Setting up interviews process.
▪ Ensure that policy and procedures were relayed to all new staff.
▪ Locating new office space for Pretoria Branch and lease negotiations.
▪ Set up new office facility, job descriptions for the Administrators, rules and regulations for all staff
(sales/admin) and created a peaceful and energetic working environment.
01/07/1998–31/01/2008 Executive Property Finance Consultant
SA Home Loans (Pty) Ltd, Pretoria (South Africa)
▪ Mortgage Lending through Securitisation.
▪ Sales & Marketing.
▪ Business & Credit Analysis.
▪ Client Relationship Management.
▪ Innovative strategies in sourcing new business.
▪ Sound Product Knowledge of Home Loan Industry.
▪ Protection Insurance.
▪ Home Owners Insurance.
▪ Bond Registration and Conveyancing procedure.
▪ Crisis Management.
▪ Arranging marketing/advertising campaigns.
▪ Building network relations with government departments and corporates, business investors,
private investors, advocates, doctors, property developers with huge portfolios.
Telecentre Home Loan Finance Consultant, Durban (South Africa) 01/07/1998 to 31/08/2003:
▪ Focus on home loan finance (mortgage lending), via Securitisation.
▪ Handling the home loan registration process, online and telephonically.
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3. Curriculum vitae Lea-Ann Kruger (nee Latchman)
▪ Selling short term insurance to customers, (Homeowners Insurance).
▪ Selling Bond Protection and administering the Bond Protection division.
Other positions held within SA Home Loans:
▪ Home Loan Sales Support (Dec 1999 to April 2000).
▪ Property Finance Administrator (May 1999 to Dec 1999).
▪ Personal Assistant to 3 senior managers - CEO (Assist. Exec. P.A.), HR Manager (P.A.), National
Sales Director (P.A.) - (Sept 1998 to May1999).
▪ General Office Assistant (July 1998 to Sept 1998).
EDUCATION AND TRAINING
01/02/1990–01/12/1997 Senior Certificate Higher Grade Exemption Pass EQF level 4
Trenance Park Secondary School, Durban (South Africa)
English, Afrikaans, Mathematics, Biology, History, Art
01/02/1998–31/07/1998 Computer Skills EQF level 4
Pax College - The Workshop, Durban (South Africa)
20/01/2009–31/05/2015 Diploma in Marketing EQF level 6
Institute of Marketing Management - Global School of Business (IMM-GSM), Durban & Pretoria
(South Africa)
International Recognition: UK NARIC accredited and recognised with Chartered Institute of
Marketing (CIM)
PERSONAL SKILLS
Mother tongue(s) English
Other language(s) UNDERSTANDING SPEAKING WRITING
Listening Reading Spoken interaction Spoken production
Afrikaans B1 C1 B1 B1 C1
German A1 A1 A1
Levels: A1 and A2: Basic user - B1 and B2: Independent user - C1 and C2: Proficient user
Common European Framework of Reference for Languages
Communication skills ▪ Excellent communication skills gained through my experience in sales and marketing, and as a
Financial Adviser and Key Accounts Manager.
▪ Excellent contact skills with people from other cultures, gained as an experienced traveller and
working with diverse cultures in South Africa.
▪ Excellent oral and written communication skills.
▪ Good negotiation and presentation skills.
Organisational / managerial skills ▪ Excellent interpersonal, organizational and multi-tasking skills by managing several dealerships
and lead generators at Outsurance.
▪ Flexible, versatile, with a positive, analytical and logical state of mind.
▪ Strong business ethics and understanding business processes.
▪ Maintaining high level of accuracy and attention to detail.
▪ Disciplined time management and goal orientated.
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4. Curriculum vitae Lea-Ann Kruger (nee Latchman)
Job-related skills Further Training & Development:
▪ Sanlam Financial Planning 1 - Legislation, FAIS, Financial Calculations, Treating customers fairly.
▪ Sanlam Financial Planning 2 - Wills and Estate Planning, Investments, Retirement Planning,
Taxation, Business Assurance.
▪ Government Employee Pension Funds accreditation.
▪ Glacier International Investments accreditation.
▪ Sanlam Solutions for Professionals accreditation.
▪ Financial Planning Institute - Outsurance training and FAIS assessments in Short Term Insurance
(personal and commercial risk credits).
▪ Regulatory Exam (RE:5).
▪ Training by attorneys (Velile Tinto) - bond registration, property conveyancing, Deeds office
procedure.
▪ Life cover accreditation (Purchase protection plan) via Regent Life.
▪ Intense sales training program-The Anthony Morris Group (18months).
Computer Skills:
▪ Microsoft Excel, Word, Powerpoint, Snet, SanFin, SanTrust, SanQuote, Glacier International Tool.
ADDITIONAL INFORMATION
Honours and awards ▪ SA Home Loans:
▪ Top 20, Property finance consultant across the country, in 5 consecutive years.
▪ In 2007 I ranked No.1 in Pretoria Region and No.3 in South Africa.
▪ Won 6 incentive trips (France, Zambia, Far East, Bazaruto Island, Egypt, Western Mediteranean
cruise).
▪ Outsurance:
▪ Most Improved Business award.
▪ Reached highest income level (capped level) within the organisation.
▪ Sanlam:
▪ Junior Champ award 2015 (Regional Business Unit).
▪ Graduated Cum Laude on the Sanlam Vesting Program (8months 2014).
▪ Graduated Cum Laude on the Sanlam Development Program (12 months 2014-2015).
▪ Kompkamp Regional award 2015 (overall service excellent, business ethics, customer relations).
▪ Member of the Falcon Club, ranked in the top 100 in the country in 2015. (received a Falcon
bonus).
Hobbies, Interests & Other
actvities
▪ Arts & crafts, playing music, reading, regional league netball, action cricket, basketball.
▪ Leadership committee at the Living Faith Ministries Centurion church.
▪ Praise & worship member, Treasurer, Church P.R.O, assist with secretarial duties, Children's
church, Junior Youth. Safe keeping of church documentation.
▪ Personal travels: Australia, New Zealand, Singapore, Hong Kong, Malaysia, Thailand,
Mauritius, Germany, Switzerland, Austria, Czech Republic, Italy, Rome, Paris, Barcelona,
Madrid, Venice, Cape Town, Swaziland, Mpumalanga, Bloemfontein, Port Elizabeth, East
London.
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