1. Curriculum Vitae of Shaheed Geduld
Personal Details
Surname : Geduld
First names : Shaheed
Date of birth : 22 / 12 / 1981
Identity number : 811222 5216 08 9
Age : 34years
Nationality : South African
Residential address: 6 Sirius Road, Surrey Estate, Athlone
7764
Postal address : Same as residential
Contact numbers : (Cell) 0822950623
(Home) 021 637 4068
(Work) 021 412 3964
Languages : English & Afrikaans (Speak, read and write fluently)
Marital status : Married
Dependants : Two
Health : Excellent

2. Education Information & Qualifications
School Attended : Aloe Senior Secondary School
Highest grade passed: Grade 12 (Matric)
Year : 1999
Subjects passed : Afrikaans first language (HG); English second language (HG)
Geography (HG); Mathematics (SG); Biology (SG); Business Economics (SG)
Tertiary Education and qualifications
Successfully completed Deposits 1A (NQF4 level 4): Damelin Cape Town : June 2007
Successfully completed Financial Services Board Regularity Exam: June 2011
Higher Certificate in Banking Services (Credit and Business Banking) (NQF level 5): June 2014
Milpark Education (Pty) Ltd (Previously known as Milpark Business School)
Employment History
Company : Sun International Grand West Casino & Entertainment World
Duration : 15th Dec 2000 – 15th Nov 2004
Job Title (s) : Entrance Cashier, Cash Desk Cashier, Automatic Cash Machine (ACM) Cashier,
Vault Cashier, Count Cashier & Prive Cashier.
Duties : Cash transactions, Credit card transactions, Foreign exchange transactions,
Cheque transactions, Table chip transactions, reconciling day end float,
loading & reconciling ACM’s, guest ACM disputes, cashing up cashiers,
receipt and disbursement of values, reconciliation of vaults (Internal, external
& Prive ), facility transactions, Marker & plaque transactions.
Reason for leaving : Irregular hours
Company : Capitec Bank Ltd
Duration : 25th Apr 2005 – 10th May 2006
Job Title (s) : Sales Consultant and Cashier
Duties : All cashier functions (Deposit taking), follow up of bad debt, internal & external
marketing, Personal loan applications, opening of savings accounts, client enquiries
& queries along with delivering great client service, complaint solving, follow up on
salary deposits & debit order returns, assisting fidelity guards with ATM
replenishments & drop safe.
Compliance duties included FICA (positive identification of clients & money
laundering prevention).
Reason for leaving : Better career opportunities

3. Company : Nedbank Ltd (Retail Goodwood)
Duration : 15th May 2006 – 23rd Feb 2007
Job Title (s) : Banker Service & Sales (Enquiries Clerk)
Duties : Assisting clients with all account related enquiries & complaints, issuing of cheque
books, debit &credit cards, ensuring clients are FICA verified. (All banking related
enquiries)
Job Title (s) : Retail banker sales
Duties : Opening of current, savings, investments, home loan, personal loans, student loan &
asset based finance accounts. Opening of internet banking profiles, incl. Cell phone
banking, notice of withdrawal on investment accounts & re-investing of maturing
investments, restructure of home loan accounts, credit card applications, funeral plan
applications & cross-sell all other products that bank offer, where needs are
applicable to the client.
Company : Old Mutual Bank (MutualPark, Pinelands) / Nedbank Integration
Duration : 26th Feb 2007 – 31st July 2008
Job Title (s) : Financial advisor / Banker sales
Duties : Assisting clients applying for home loans, vehicle finance, credit card, overdraft
facilities, opening of current, savings & investment accounts, incl.Internet banking &
cross-sell all products that bank offer, where needs are applicable to the client. Doing
full financial analysis on all credit applications to ensure applicant(s) affordability is in
order to repay credit product applied for. Assisting branch staff members in the
absence of branch manager.
Company : Nedbank Limited (Retail Athlone)
Duration : 01st Aug 2008 – 1st May 2009
Job Title (s) : Banker sales
Duties : In line with all of the above. All duties performed at bank is to ensure that clients
are FICA verified, myself being FAIS compliant (ensuring clients receive accurate
advice to make an informed decision on any product purchased, doing a full needs
analysis) & to comply with the NCA (National Credit Act).

4. Company : Nedbank Limited (Small Business Services) Goodwood & Table View
Duration : 04th May 2009 –19th March 2012
Job Title (s) : Small Business Services Banker
Duties : Take responsibility for developing effective partnerships with clients in order to grow
the portfolio & market share by : liaising closely with clients, demonstrating
understanding of clients businesses & industry, listening & probing appropriately &
identifying effective solutions to address client needs. Using product knowledge,
providing clients with proactive solutions, acting as client’s banking partner.
Take responsibility for providing regular feedback to clients, planning & implementing
effective prospecting activities, identifying & responding to business opportunities.
Assume responsibility for effective administration & controls in branch portfolio by :
Ensuring all securities in place & up to date, ensuring compliance with FAIS & FICA
legislation, responsible for vetting accuracy & quality of applications as well as
security documentation within the portfolio, make recommendations to credit
manager/s, monitor & ensure all documentation are completed & returned to the
admin team. Maintain communication with clients & support divisions via regular calls
& client interactions, effectively manage follow up calls & complaints, escalate critical
complaints to next level of management, make recommendations & prepare
motivations on client request for facilities, ensure retention of clients’ full banking
relationship.
Company : Nedbank Limited (Small Business Services) Vangate City Athlone -
Retail Relationship Banking
Duration : 20th March 2012 – 30th September 2013
Job Title (s) : Small Business Services Manager
Duties : Maintain communication with clients & support divisions via regular calls & client
interactions, effectively manage follow up calls & complaints, escalate critical
complaints to next level of management, make recommendations & prepare
motivations on client request for facilities, ensure retention of clients’ full banking
relationship. As well as analyzing full applications (including financial statements and
request management accounts, if need be) before submitting to credit manager for
recommendation of approval after full financial analysis is done.
All duties as Small Business Manager is also in line with duties of Small Business Banker.

5. Company : Nedbank Limited - Foreshore Cape Town
Business Banking
Duration : 01st October 2013 - Current
Position : Credit Analyst
Duties : Prepare credit applications / reviews initiated by the Business Manager and make
recommendations to the Credit Manager, Prepare excess reports initiated by the BM
Prepare approval cover sheet for decisions made for facilities over R5 million and
send to the Buscram secretary for incorporation into the credit minutes, assist the CM
in the preparation of handover reports to the Risk Team. Read and interpret financial
statements, keep abreast of changes in GAAP and IFRS and impact on interpretation
of financial statements, input financial data into our financial analysis spread (e.g.
Moodys), highlight aspects that Business Manager needs to cover after doing the
financial analysis, capture PD model (Basel MMRT) ,prepare cashflow projections
from financial information provided by the client Assess / Review Debtor Analysis
reports, capture Applications in the Applicability model to determine NCA status and
update decisions made by the relative mandated officials,credit checks – reviews /
new applications as per laid down procedures, generate Certificate of Balance.
Responsible for tracking and completion of the New client acquisition checklist
Updated Loans approved and declined into CMIS.
Draft facility letters / NCA quotes and Agreements, and manage imaging of
acknowledged letters / agreements, maintain and update Risk Entity Structures /
hierarchies in ACA for applications and reviews, maintain and update limits in CARA
(including MOF) and ACA facility management system,capture proposed mitigants in
ACA,manage mitigant exception reports with the Services Manager.Supply bank
codes and authorisations to other financial institutions and request same
Initiate dormant and warning letters.
Outputs include: Draw conclusions and makes recommendations based on qualitative or quantitative
data, quickly absorb new information and apply it when analysing data for decision
making, gather information to better understand issues, problems, and opportunities.
Analyse information from a variety of sources to detect trends, associations, and
cause-effect relationships, recommend the most effective course of action after
evaluating options against decision criteria.

6. Achievements : Top achiever Banker Sales (Western Cape) Old Mutual Bank – Half yearly Awards
(Aug 2007) : Nominated Top Achiever Award (Western Cape) Nedbank / Old Mutual
Bank – Year end awards (March 2008), Outstanding performance for year 2012
(Retail Relationship Banking)
Latest courses attended: Security Documents, Practical Credit Risk Assesment, Understanding of
Financial Statements, Small Business Services Basic Accounting, Khula
Guarantee, 5 Point Plan, Credit Assessment, Small business services
overview & Small Business Service Way.
Computer competencies: Microsoft Word, Microsoft Excel, Microsoft Outlook & Microsoft PowerPoint.
Key Skills and competencies:
Product & compliance competencies : Awareness of internal processes, Cheque account/overdraft, all
Nedbank product offerings, Financial & business acumen, Legality of security
documentation, Nedbank sales process, FICA, FAIS, NCA & CPA knowledge.
Behavioural competencies: Initiative, Resilience, Integrity, Excellence, Orientation, Client centricity,
Planning & organising, Sociability, Building relationships, Teamwork, Diversity
sensitivity, Attention to detail, Assertiveness & Continuous development.
Summary of personal styles & values.
Self Confidence : The ability to believe in myself, personal strengths & conveying a strong sense of
self-worth & capability.
Initiative : The ability to be proactive, seize opportunities & thereby influence.
Innovation : The ability to make improvements, generate new ideas, identify fresh approaches &
break away from tradition.
Focus : The ability to concentrate for prolonged period despite distractions.
Transparency : The ability to foster openness and free sharing of information with others.
References:
Mrs Razaan Samsodien : Area Manager, Small Business Services, Western Cape : 021 412 3067 /
083 635 5227 / 083 325 3924
Mrs Jolene Gerber : Branch Manager, Nedbank Stellenbosch: 021 888 4640 / 083 294 8607
Mr Sean McCormack : Credit Manager, Nedbank Business Banking: 021 412 3018 / 071 443 7553