The document is a curriculum vitae for Andrew Morake. It includes personal details, education history, qualifications and certificates obtained between 1994-2016 from various institutions. It also outlines work experience between 2000-current in roles such as business development officer, credit analyst, and credit manager for companies like Wesbank, South African Taxi Finance, and Toyota Financial Services. Key responsibilities and achievements are mentioned for each role.

1. CURRICULLUM VITAE
076 561 6854
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NAME: ANDREW MOSIA MORAKE
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PERSONAL DETAILS
Full Name and Surname : Mosia Andrew Morake
Known As : Andrew
Address :323 Corlett Drive,
Bramley View
Johannesburg
Telephone Number : 076 561 6854
Email Address :andrew@halfway4ways.co.za
Identity Number : 750909 6229 086
Gender : Male
Marital Status : Married
Dependants : 02
Citizenship : South African Citizen
Drivers Licence : Code 10
Criminal Record : None
Health : Excellent
Languages English – Speak, Read and Write – Excellent
Afrikaans – Speak, Read and Write – Excellent
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2. SECONDARY EDUCATION
Name of School : Ramotshodi High School,
Highest Grade Passed : Grade 12
Year : 1994
Subjects : Afrikaans
English
Setswana
Biblical Studies
Geography
Biology
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TERTIARY EDUCATION
Name of Institution: Financial Planning Institution
Course Name : Regulatory Exam (RE)
Year Completed : September 2016
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TERTIARY EDUCATION
Name of Institution : Tshwane North College
Course Name : National Diploma in Human Resources Management
Year Completed : 1998
Subjects : Management Communication
Personnel Management
Personnel Training
Labour Relations

3. Computer Practice
Enterpreneurship
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TERTIARY EDUCATION
Name of Institution : Institute of Credit Management
Course Name : Certificate in Credit Management Part one
Year Completed : 2007
Subjects : Introduction to credit environment
Internal credit environment
Debtors Administration
Interdepartmental co-operation
Introduction to the basic law of contract
Introductory to supervisory skills
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TERTIARY EDUCATION
Name of Institution : Ronald Sewell’s and Associates
Course Name : National Credit Act
Year Completed : 2011
Subjects : NCA Card
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TERTIARY EDUCATION

4. Name of Institution : Academy of Learning
Course Name : Administration
Year Completed : 1999
Subjects : Introduction to Windows 95
Bookkeeping Part A
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COMPUTER LITERACY & PRODUCT KNOWLEDGE
Knowledge of : Microsoft Word
Microsoft Excel
Microsoft PowerPoint
Microsoft Outlook Express
Microsoft Internet Explorer
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BEHAVIOURAL SKILL AND COMPETENCIES
 Proactive- Initiative/idea generation
 Logical, rational thinker
 Deadline driven
 Customer Service Orientated
 Self confidence assertiveness
 Team player
 Analytical thinking
 Problem-solving
 Decision-making
 Report writing skills
 Time Management skills
 Analytical skills
 Communication skills
 Creativity and innovation skills
 Conflict management skills
 Advanced computer literacy skills
 Planning and Organizing
 Following instructions and Procedures
 Achieving personal work goals and objectives
 Delivering results and meeting customer expectations
 Leaning and researching

5.  Adhering to principles & values
 Working with people
 Deciding and initiating action
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LEADERSHIP
 Business, general management and leadership skills.
 Ability to understand and integrate a broad range of information.
 Business networking ability
 Ability to work independently without guidance, and as member of a team in cross-
functional environment.
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CUSTOMER SERVICE ORIENTATED
 Good understanding of the business to ensure that the products and services are
best communicated to specific customer
 Customer service orientated
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MENTORING AND COACHING
 Coaches team members in areas of communication
 Comprehensive understanding of business
 General management skills
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DETAILED PROFESSIONAL EXPERIENCE
Employer Name : Halfway Toyota Fourways
Position : Sales Executive Taxi
Period : 01 March 2016-Current
Functional Outputs / Activities
Calling on prospective clients and referrals to grow sales. Calling on existing clients to follow
up on applications and further needs. Grow and maintain current business, identify market
opportunity and high potential clients. Create and implement sales strategies to develop
new business and achieve sales target and results. Travel to and from client premises to
present proposals and demonstrate products. Draft quotations based on client needs.
Achieve monthly sales target and adhere to minimum requirements for new sales
appointments. Attend sales meetings and training. Follow up on leads. Respond to queries

6. professionally and timeously. General administration. Develop and improve customer base
and sales profit margins. Manage and develop service standards in your area. Implement
administrative and logistical controls to ensure that customer needs and company standards
and procedures are met. Well spoken. Track record. Dealership experience. Good
communicator. Excellent people skills. Energetic. Passionately driven. Visit customers and
determine customer requirements. Ensure customer requirements are met. Build long-term
customer relationships. Obtain new customers // Cold calling. Assist and handle all related
account queries. Negotiate pricing and volumes. Following up on lead times and deliveries.
Consistent calling and follow-ups regarding customers’ needs.
DETAILED PROFESSIONAL EXPERIENCE
Employer Name : Toyota Financial Services
Position : Business/Dealer Development Officer (Taxi)
Period : 01 January 2015 – 30 Feb 2016
Functional Outputs / Activities
Build enhance dealer relationship. Dealership network profit, dealer performance and
improvement. Increase confidence in and the reputation of the business in respect of any
and all stakeholders, driving brand awareness and loyalty. Grow and maintain current
business, identify market opportunity and high potential clients. Create and implement sales
strategies to develop new business and achieve sales target and results. Assist the
department in achieving all targets as set out in the annual budget and quarterly target by
attracting new business through networking and marketing strategies. Identify and obtain
new business opportunities for the bank’s products and services offerings, such as deposits,
corporate finance, trade finance etc. Negotiating the structure of facilities with clients,
cooperate with other relevant departments to structure the business to match client needs
and completion of credit application. Manage and control the process of credit proposal
submission to the credit underwriter, motivate credit proposal after fully assessing relevant
risks to ensure quality lending. Perform on going post-lending monitoring. Assist other team
members in providing efficient services to clients. Provide mentor-ship to junior team
members. Submission of proposal and reports to Head Office and relevant parties. Assess
declined deals for further opportunities. Analyze bank statement for FNB and non FNB client.
Handle customer complaint and queries. Deliver outstanding customer servic es to the dealer
and customers. Provide assets based financial solutions to meet customer’s needs. Compile
customer’s needs. Compile month end final payout and figures. Performance review with the
dealerships. Doing credit check/vetting of the new applications. Work and liaise with
stakeholders to formulate, develop and implement business development plans and
campaigns that support their business objectives, aimed at growing the client base and
market share. Contribute to the development of fee management models and proposals in
cooperation with key stakeholders and sector developments and trends. In conjunction with
key stakeholders, identify approaches to conduct and implement client feedback interviews
and proactive follow up processes. Identify, build and maintain strong relationships with
regional stakeholders. Introduce and market TFS's Value Proposition to new and existing
stakeholders. Resolve or escalate queries. Build and maintain healthy relationships with all
stakeholders. Communication reports and summaries to relevant stakeholders. Make

7. recommendations based on analyses of reports and summaries. Timely feedback and
communicate to regional management. Visiting the Toyota dealership. Relationship builds
with Santaco and National Taxi Alliance. Lead generation via cold cooling, visiting potential
clients and referrals. Perform presentation. Coordinate the submission of sales proposals.
Track sales progress against targets. Manage escalation of service related issues and other
disputes. Competitor analysis, maintain a competitor analysis. Overall responsibility to the
achievement of sales targets by all applicable business development officer.
Employer Name : Toyota Financial Services
Position : Credit Analyst
Period : 01 December 2011 – 31 December 2014
Reason for Leaving : Promotion
Functional Outputs / Activities
Assess credit risk of prospective/ existing client. Managing the credit risk of vehicle and
ensuring the risk are properly assessed. Condition of approval are suitable to the perceived
risk band bad debts are kept minimal and within budget and risk appetite Sales of Toyota
financing products, e.g. Cover plus, credit life, Warranty and Insurance. Prepare necessary
documentation for successful customer. Sell value added product & power products. Sell
product pertaining to second gross provide customer service in terms of the shared value
standard of Wesbank. Analyze financial statement and bank statement. Build enhance
dealer relationship. Assess declined deals for further opportunities. Analyze bank statement
for FNB and non FNB client. Drawing up contracts. Organizing payouts to transmission
department. Handle customer complaint and queries. Deliver outstanding customer services
to the dealer and customers. Provide assets based financial solutions to meet customer’s
needs. Compile customer’s needs. Compile month end final payout and figures. Doing credit
vetting for the new applications.
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DETAILED PROFESSIONAL EXPERIENCE
Employer Name : South African Taxi Finance
Position : Business Development Officer
Period : 01 Aug 2008 – 27 May 2011
Reason for leaving : Closing the branch
Functional Outputs / Activities
Build enhance dealer relationship. Dealership network profit, dealer performance and
improvement. Grow and maintain current business, identify market opportunity and high

8. potential clients. Create and implement sales strategies to develop new business and
achieve sales target and results. Increase confidence in and the reputation of the business
in respect of any and all stakeholders, driving brand awareness and loyalty. Assist the
department in achieving all targets as set out in the annual budget and quarterly target by
attracting new business through networking and marketing strategies. Identify and obtain
new business opportunities for the bank’s products and services offerings, such as deposits,
corporate finance, trade finance etc. Negotiating the structure of facilities with clients,
cooperate with other relevant departments to structure the business to match client needs
and completion of credit application. Manage and control the process of credit proposal
submission to the credit underwriter, motivate credit proposal after fully assessing relevant
risks to ensure quality lending. Perform on going post-lending monitoring. Assist other team
members in providing efficient services to clients. Provide mentor-ship to junior team
members. Submission of proposal and reports to Head Office and relevant parties. Assess
declined deals for further opportunities. Handle customer complaint and queries. Deliver
outstanding customer services to the dealer and customers. Provide assets based financial
solutions to meet customer’s needs. Compile customer’s needs. Compile month end final
payout and figures. Performance review with the dealerships. Doing credit check/vetting of
the new applications. Work and liaise with stakeholders to formulate, develop and
implement business development plans and campaigns that support their business
objectives, aimed at growing the client base and market share. Contribute to the
development of fee management models and proposals in cooperation with key
stakeholders and sector developments and trends. In conjunction with key stakeholders,
identify approaches to conduct and implement client feedback interviews and proactive
follow up processes. Identify, build and maintain strong relationships with regional
stakeholders. Resolve or escalate queries. Build and maintain healthy relationships with all
stakeholders. Communication reports and summaries to relevant stakeholders. Make
recommendations based on analyses of reports and summaries. Timely feedback and
communicate to regional management. Staff Management, Day-to-day management of sub-
ordinates. Working together with taxi associations. Conduct meeting with taxi association in
North West. Doing presentation with taxi association. Compile daily, weekly and monthly
report for the branch and submit to CEO. Submits brief, written report on project progress
each week to CEO, and reports on project progress, needs, and plans at weekly project scan
meeting. Prepares graphs and tables in Excel, Word, and other software as appropriate.
Ensure branch compliance with company policies,procedures and applicable legislation.
Attends general staff meetings and participates in management task teams as assigned.
Managing all function and branch operations as set out by head office. Ensuring that profit
target are achieved. Responsible for network growth in the region. Resolve IR 9(Industrial
Relations) and staff welfare issues, Co-ordinate and distribute workload. Ensure that
appropriate sales targets are set and archived. To build relationship with the dealerships,
taxi association and other stakeholders. To manage the sales process- following-up on sales
queries and complaints ensuring it is efficient and effective. To ensure bad debt is kept to a
minimum. Attend to all legal matters pertaining to debtors. Liaise with the legal collections
manager in all matters pertaining to debtors and collections process. To ensure that the
branch functions optimally ensuring IT and communications are effective as possible. To
ensure that the branch is complaint with the corporate ID at all times. Ensure that all
company policies and procedures are complied with. Attend to ad hoc business needs as and
when required. Build a long-term and excellent relationship with customers/prospects.
Reaching sales target and annual sales targets. Responsible for the management of the
customer service. Management of relationship and service level agreement with outsourced
contact center provider. Effective administration of service partner, billing and cost controls.
Provision of management information in terms of annual sales plan, sales progress report,
monthly projections. Handling of customer complaints. The provision of feedback to

9. customer on status of complaint. Overall responsibility to the achievement of sales targets
by all applicable business development officer.
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DETAILED PROFESSIONAL EXPERIENCE
Employer Name : South African Taxi Finance
Position : Credit Manager
Period : 20 0ct 2006- July 2008
Reason for leaving : Transfer to Rustenburg Branch
Functional Outputs / Activities
Financing of taxi. Perform quality check on documentations. Liaison with customers and
dealership. Managing the credit risk of vehicle and ensuring the risk are properly assessed.
Condition of approval are suitable to the perceived risk band bad debts are kept minimal
and within budget and risk appetite. Credit applications and credit agreements. Make sure
all documents are in order. Assessing of applications for further opportunities. Doing credit
check for application received. Attend meeting for further strategy. Liaising with santaco
consultant across South Africa and attend meeting with them. Signing up approvals after
being assessed. Analyze bank statement. Liaising with the dealership. Updating stats for all
applications. Member of credit committee. Schedule leave for employee. Problem solving.
Doing performance appraisal to all employee reporting to me. Compile daily, weekly and
monthly report to my head of credit. Build a long-term and excellent relationship with
customers/prospects. Reaching sales target and annual sales targets. Process improvement
and optimization. Management and control of related budgets. Integrated problem solving
and decision making. Resolve all escalated consumer queries and
concerns.
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DETAILED PROFESSIONAL EXPERIENCE
Employer Name : Wesbank
Position :Business Development Officer
Period : 01 Nov 2000 - 17 Oct 2006

10. Reason for leaving : Better offer
Functional Outputs / Activities
Build enhance dealer relationship. Dealership network profit, dealer performance and
improvement. Grow and maintain current business, identify market opportunity and high
potential clients. Create and implement sales strategies to develop new business and
achieve sales target and results. Assist the department in achieving all targets as set out in
the annual budget and quarterly target by attracting new business through networking and
marketing strategies. Identify and obtain new business opportunities for the bank’s
products and services offerings, such as deposits, corporate finance, trade finance etc.
Negotiating the structure of facilities with clients, cooperate with other relevant departments
to structure the business to match client needs and completion of credit application. Manage
and control the process of credit proposal submission to the credit underwriter, motivate
credit proposal after fully assessing relevant risks to ensure quality lending. Perform on
going post-lending monitoring. Assist other team members in providing efficient services to
clients. Provide mentor-ship to junior team members. Submission of proposal and reports to
Head Office and relevant parties. Assess declined deals for further opportunities. Analyze
bank statement for FNB and non FNB client. Handle customer complaint and queries. Deliver
outstanding customer services to the dealer and customers. Provide assets based financial
solutions to meet customer’s needs. Compile customer’s needs. Compile month end final
payout and figures. Performance review with the dealerships. Doing credit check/vetting of
the new applications. Work and liaise with stakeholders to formulate, develop and
implement business development plans and campaigns that support their business
objectives, aimed at growing the client base and market share. Contribute to the
development of fee management models and proposals in cooperation with key
stakeholders and sector developments and trends. In conjunction with key stakeholders,
identify approaches to conduct and implement client feedback interviews and proactive
follow up processes. Identify, build and maintain strong relationships with regional
stakeholders. Introduce and market TFS's Value Proposition to new and existing
stakeholders. Resolve or escalate queries. Build and maintain healthy relationships with all
stakeholders. Communication reports and summaries to relevant stakeholders. Make
recommendations based on analyses of reports and summaries. Timely feedback and
communicate to regional management. Vehicle finance. Assess credit risk of prospective/
existing client. Sales of Wesbank financing products, e.g. Cover plus, creditlife, Warranty
and Insurance.Prepare necessary documentation for successful customer. Sell value added
product & power products. Sell product pertaining to second gross provide customer service
in terms of the shared value standard of Wesbank. Analyze financial statement and bank
statement. Build enhance dealer relationship. Assess declined deals for further
opportunities. Analyze bank statement for FNB and non FNB client. Drawing up contracts.
Organizing payouts to transmission department. Handle customer complaint and queries.
Deliver outstanding customer services to the dealer and customers. Provide assets based
financial solutions to meet customer’s needs. Compile customer’s needs. Compile month
end final payout and figures. Doing credit vetting for the new applications. Overall
responsibility to the achievement of sales targets by all applicable business development
officer.
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DETAILED PROFESSIONAL EXPERIENCE
Employer Name : Markinor House

11. Position : Call Centre Agent
Period : 01 April 2000 – 30 Oct 2000
Reason for leaving : Contract
Functional Outputs / Activities
 Inbound call
Supplying info about stats South Africa. Gives help to the enumerators with
applications forms. Help community on how to fill enumerator’s forms. Information
based on survey to the media when they call.
 Outbound call
Maintains communication with client on survey progress.Doing market research on
different companies and products. Contact client about services of the bank. E.g.
Standard bank
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DETAILED PROFESSIONAL EXPERIENCE
Employer Name : MTN
Position : Customer Service Consultant
Period : 15 Jan 1999- 30 March 2000
Reason for leaving : Temporary position
Functional Outputs / Activities
Doing credit checks and swim swap. Processing of new applications for contract phone.
Blacklisting of stolen cellphone. Provide excellent customer services to the entire client.
Handle customer complaints and queries. Selling pay as you go cellphone. Doing credit
check and vetting to the entire client.
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SUMMARY
Availability : Month notice
Expected Salary : Negotiable

12. ___________________________________________________________________
EXTRA-CURRICULAR ACTIVITIES / ACHIEVEMENTS
• Best Customer Service of the Year at MTN
• Best Customer Service of the Month at Wesbank
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REFERENCE
Company : Toyota Financial Services
Contact Person : Nokwanda Radede
Position :Governance Manager
Telephone Number : 011 805 2588
Email Address : nradebe@toyfin.co.za
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REFERENCE
Company : Wesbank
Contact Person : Zakhele Nkosi
Position : Manager
Telephone Number : 011 632 6000
Email Address :nkosi1@fnb.co.za
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REFERENCE
Company : Wesbank
Contact Person : Victor Matheba
Position : Manager

13. Telephone Number : 011 632 6000
Email Address : vmatheba@wesbank.co.za
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REFERENCE
Company : S A Taxi Finance
Contact Person : Paul Rasetlho
Position : Human Resource Manager
Telephone Number : 011 550 9330/086 182 1882
Email Address : prasethlo@sataxifin.co.za
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REFERENCE
Company : S A Taxi Finance
Contact Person : Rapula Modibane
Position : Manager
Telephone Number : 011 275 3000/083 325 0685
Email Address : rapulam@nedbank.co.za
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REFERENCE
Company : SA Taxi Finance
Contact Person :Gary Sasman
Position : Manager
Telephone : 086 182 1882/011 550 9330

14. Email : gsasman@sataxi.co.za
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REFERENCE
Company : HalfwayToyotaFourways
Contact Person :Kefiloe Matampi
Position : Business Manager
Telephone : 011 317 8888
Email : taxifin@halfway4ways.co.za