Neo Lucratia Montja is a South African female with a National Diploma in Credit Management from the University of Johannesburg from 2003 to 2005. She is currently studying for a BCompt Accounting degree from the University of South Africa. She has over 10 years of experience in banking and credit roles at First National Bank including teller, debt collector, credit analyst, relationship consultant, and currently a customer portfolio analyst. She has a driver's license and is proficient in Microsoft Office.

1. CURRICULUM VITAE
PERSONAL DETAILS
Surname : Montja
Names : Neo Lucratia
Gender : Female
Nationality : South African
Home Language : Sepedi
Residential Address : No 18 Riverpark Village
: Wilgeboom Drive
: Boskruin
2188
Driver’s License : Code 10
Work Number : 0116322000 Ext 30008
Cell Number : 0721294358
EDUCATIONAL QUALIFICATIONS
Name of Institution : University of Johannesburg
Period : 2003-2005
Qualification : National Diploma Credit Management
Subjects : Credit Management I, II & III
Accounting I
Law for Credit Managers I, II & III
Business Management
Management I, II & III
End-user Computing
Entrepreneurship
Communications
Current Studying BCompt Accounting First Year
Institution University of South Africa
Subjects Completed : Financial Accounting Reporting
Financial Accounting Principles,
Concept & Process

2. Financial Accounting for Companies
Accounting System in a Computer
Environment
Introduction to Economic & Management
Environment.
Business Management
Commercial Law I & II
Economics I
Communication in a Business Context
Legal Aspects in Accountancy
Introduction to the performance of the
Audit Practice
COMPUTER SKILLS
• Proficient in all versions of MS-Office, internet and email.
TRAINING ATTENDED
• Property Academy Phase I
• Credit Learnership
EMPLOYMENT HISTORY
Company : First National Bank Southgate
Position : Teller (Temporary)
Role : Client Services
Duties : Provide excellent service by processing
client transactions in a quick correct and
efficient manner according to specified
procedures.
Period : June 2006 –November 2006
Company MBD Attorneys

3. Position Debt collector- Call Center
Duties Telephonic collection of Debts
Updating the system
Period December 2006 –February 2007
Company First National Bank Homeloans
Period February 2007-March 2008
Position : Indexing
Duties : Documents Index and attachments to the
file
Position : Verification
Period : April 2008-May 2008
Duties : Document verification
Position : Data Capturing
Period : June 2008-August 2008
Duties : Accounts profile capture
Position : Validator
Period : September 2008-february 2009
Duties : Accounts and documents verification
Position : Administrator-Valuations
Period : March 2009-April 2009
Duties : Electronic instruction to valuators
Desktop Valuations
Position : Relationship Consultant
Period : May 2009-December 2011
Duties : Outbound and Inbound Calls
Queries from Clients,
Attorneys,Consultants
Position : Credit Analyst
Period : January 2012-July 2013
Duties : Analyses credit data to estimate degree of
risk in extending credit or lending money.
Position : Relationship Consultant
Period : July 2013-August 2014
Role : Client Services
Duties : Responsible for sales and customer
services.

4. Achievements : Best improved within the Homeloans 2009
Best improved within the Homeloans 2010
Position : Customer Portfolio Analyst-General
Period : 01 September 2014-Current
Roles : Finance
Duties : Processing of downloads
Capturing of invoices, discounts, debits and
credit notes and journals.
Attending to all clients’ queries
Vetting of debtors
End-of-day reporting and logging
Credit Management Reporting
The Customer Portfolio Analyst-General has the opportunity of developing an enduring
rewarding relationship with the client as there is daily interaction between the client and
the administrator and oversees different portfolios daily.
REFERENCE
Name : Mace Holder (FNB Homeloans)
Designation : Valuations Manager
Telephone : 087 328 0094
Email : MHolder@fnb.co.za
Address : No 1 enterprise Road
Fairland
Randburg
2170
Name : Eric Longwe(FNB Homeloans)
Designation : Credit Manager
Telephone Number : 011 632 0221
Email : ELongwe2@fnb.co.za
Address : No 1 enterprise Road
Fairland
Randburg
2170
Name : Belinda Cele
Designation : Portfolio Manager (FNB Debtor finance)
Telephone Number : 011 632 0012
Email : TCele@fnb.co.za
Address : No 1 enterprise Road
Fairland
Randburg
2170