Delmaine J has over 15 years of experience in credit analysis and underwriting. She currently works as an Underwriter at Lombard Insurance, where she analyzes client financials and risks to provide insurance quotes and facilities between R10m to R500m. Previously, she was a Credit Analyst at ABSA and Nedbank, where she completed credit applications, analyzed statements, and monitored client accounts and risk exposures. She holds a BComm in Marketing and an Honours in Financial Management.

1. Phone (011) 551-0634
Fax 086 754 6646
Mobile 082 575 3542
E-mail DelmaineJ@gmail.com
Personal Information  Marital status: Single
 Nationality: South African
 Age: 35
 Children: 2
 Drivers License Code 08
 ID nr: 8003220072082
 Language: fluent in both English and Afrikaans
Education 1997 – Matric
Florida Park High School
Petunia Street
Florida Park
Courses:
1998 - 2003
B Comm Marketing - RAU (Rand Afrikaans University)
Subjects:
- Accountancy
- Analytical Techniques
- Business Management
- Economics
- Financial Management
- Communication Studies
- Marketing Management
- Logistics Management
- Commercial Computer Systems
- Commercial Law
2008 – Present
B Comm Honours (Financial Management) – UNISA
Credits Obtained:
- Business Research
- Strategic Management
Subjects Applied for in 2012:
- International Financial Problems
- Advanced Problems in Financial Problems

2. Employment History
Nov 2012 – Present Lombard Insurance Company
Reference: Grant Oliphant, 082 739 6784
Location: Ground Floor, Building C,
Sunnyside Office Park,
2 Carse O’Gowrie Road,
Parktown
2193
Underwriter: Lombard Insurance Company (Construction Industry)
 Complete credit applications to be submitted to the underwriting manager by way of
undertaking comprehensive analysis of all clients who falls within the tier that caters for
facility limits between R10m and R500m for new business prospects as well as the review
or amendments of existing facilities within a portfolio.
o Interact with clients, either by personal meetings or teleconferencing to acquire all
relevant information that is required to quote on the business, eg. Financial
statements, personal assets and liabilities statements of majority shareholder/s,
property valuations (if offered as security), etc.
o Analysis, interpretation, comments, recommendations and comparing all financial
statements ( Audited Financial Statements, cash flow projections, management
accounts) of the specific client we would like to extend our services to and how it
affects the underwriting decision.
o Understanding the state of the construction industry and its various sub-industries
and the client’s position in relation to this industry
o Risk analysis.
o Understanding business group structures and how to security and collateral
structures should be adjusted accordingly.
o To assist with the successful mitigation of losses and claims.
o Managing outstanding premium owed to Lombard.
o Growing the book of business.
o Managing client and broker relationships.
Summary of Skills Acquired
o Relationship management
o Financial management
o Portfolio management
Nov 2009– Nov 2012 ABSA Ltd
Reference: Deon Padarath; Oscar Jacobsohn
Location: Eastgate Office Park; Podium Floor
South Boulevard Road; 15 Alice Lane
Bruma; Sandton
Credit Analyst: ABSA Ltd (ABSA Business Banking: East and North
Regions)
 Complete credit applications to be submitted to Head Office Credit for new business
prospects as well as review of facilities within the Large Business Banking region.
o Interact with clients, either by personal meetings, teleconferencing, etc to acquire all
relevant information that is required to package a deal, eg. Financial statements,
forecasted projections, property valuations, debtors/creditors age analysis.

3. o Analysis, interpretation and comments on financial statements and cash flow
projections to evaluate the client’s financial position and provide the best bankable
solutions.
o Analyse specialists’ reports eg. Specialised Finance, Debtor Finance, Commercial
Property Finance, etc.
o Compare and contrast the economic/industry/business and financial position of the
client with that of similar establishments within the same industry. Report is obtained
from Sector Specialists.
o Coordinate and prepare Deal Forum to discuss and negotiate the viability of the deal,
ultimately seeking approval.
o Prepare recommendation and motivation of proposal purposes
o Deal tracking
o Once Approval has been received, ensure that conditions of grant (or covenants in
case of annual reviews) has been fulfilled before the availment of any facilities.
o Ensuring that all necessary documentation is drawn up by the operational
department.
o Monthly reporting to Regional Credit Manager.
 Managing of daily credit functions within assigned portfolios being excess reports, referrals,
out of order accounts, irregular accounts and dormant accounts, early warning listing.
 Preparing of facility letters
Summary of experiences and skills acquired
o Acquiring, assessing and monitoring of debt structuring transactions and debt
syndications and derivative instruments, I worked with a deal of this nature through a
debt syndication for the acquisition/debt structuring for KPMG Wanooka where a
syndicate of vendors namely: Absa, Nedbank, Standard bank were all involved in the
transaction and Absa assumed the position of senior debt (1st
preference),
mezzanine debt was taken on by the likes of Standard bank and the rest followed in
ranking order of preference. This was to assure different interest rates, ranking as
was comfortable with the different vendors. At the beginning of the deal the debt was
bought (at a cost to the client) and the rate was fixed (time lapse gap), in the event
that the Rand worsened over time, and this was done via a derivative instrument eg.
Interest rate swap.
o Analytical and numerical skills: ability to analyse financial statements and quantify
financial risks, produce written reports (based on my findings) in order to highlight
financial matters of importance, thereafter to articulate this in credit applications and
to stand up and present in credit committees.
o The above mentioned is coupled with my findings and recommendations based on a
SWOT analysis which is based on general knowledge of business, industry and the
macroeconomic environment.
o Assist the Legal team with information pertaining to Facility Agreements, eg. ISDA –
this was specifically done for a client that we recognised was both importing and
exporting goods and it was the best solution for that specific client.
o Ongoing monitoring of limits and exposures in portfolio, this is done daily via
identifying, measuring, monitoring and managing credit risk, reporting and resolving
breaches via constructive interaction with corporate/commercial clients
o Moody’s KMV and CPM is used daily in banking to update financial information and
draw credit ratings
Apr 2007 – Nov 2009 Nedbank Ltd
Reference: Ruwayda Petersen 011 889 7000
Location: Stonemill Office Park
Cresta
Credit Analyst: Nedbank Ltd (Business Banking: West Region)

4.  Complete credit applications to be submitted to the Credit Manager for new business
prospects as well as review of facilities within existing portfolio.
o Compile exposures
o Analysis, interpretation and comments on financial statements and cash flow
projections
o Risk analysis
o Preparation of the comments and motivation of the application via a paper base
format.
 Managing of irregular accounts, provisions and pro-actively identifying high risk accounts to
be transferred to pre-legal department.
 Preparing of facility letters
 Monitoring and control of credit conditions and covenants.
Credit approval in terms of pay / no pay decisions on current accounts against uncleared
effects.
 Managing of assigned portfolio – timeous review of facilities, irregular accounts and risk
mitigation, exc.
 Reporting to Credit Manager and Area Credit Manager on a monthly and/or quarterly basis.
Sep 2005 – Mar 2007 Nedbank Ltd
Reference: Tersia Hawley
Location: 135 Rivonia Road
Sandton
Credit Administrator: Nedbank Ltd (Corporate Banking)
o Draw up credit application for various banking facilities
o Compile excel spreadsheets every morning to monitor and control the risk and
exposure of each client.
o Monthly credit reporting to Old Mutual
o Reporting large exposures to the SARB
o Ascertaining various contracts, such as Excon, incoming Guarantees, etc are up to
date
o Authorising of funds in and out of client’s accounts
o Maintain the Bank’s collateral/security from client
o Partaking in the implementation of the new Basel II system
o Credit controlling
o Working with highly pressurised portfolio’s
o Monitoring excesses on portfolio of accounts allocated, ascertain reasons for excess
o Checking and ensuring special clearance are dealt with
o Assuring availability of funds and approve or advice according to status as well as to
follow up on pending authorisations
o Ensure that separate legal entities are captured correctly, eg. Risk Rating,
registration numbers, allocation of approved limits.
o Ensure that all limits are loaded correctly as per each signed facility letter
o Monitoring sub-allocation of limits and to ensure all limits are adjusted to model runs.
o Attend to and refer all limit request applications from various departments, ie EFT,
ACB, ABF
o Ensure that all corporate identities on the cash management system is linked
correctly
May 2004 – Aug 2005 Nedcor Client Care Centre
Reference: Shivani Naidoo 011 710 0200
Location: 37 Hoofdt Street
Braampark
Braamfontein

5. Call Centre Agent: Nedcor Client Care Centre
o Assisting individual clients with all their banking requirements/queries and creating
client rapport.
o Internet/telephone banking
o Tracking of clients ATM/debit cards via our tracking system
o Ordering of new ATM/Debit cards
o Reason for leaving: took up greater opportunity at Nedbank Corporate.

6. Call Centre Agent: Nedcor Client Care Centre
o Assisting individual clients with all their banking requirements/queries and creating
client rapport.
o Internet/telephone banking
o Tracking of clients ATM/debit cards via our tracking system
o Ordering of new ATM/Debit cards
o Reason for leaving: took up greater opportunity at Nedbank Corporate.