Cornelius Tertius Louw

• Evaluated customer repayment ability, cash flow, balance sheets and financial sustainability. • Structured and managed lending facilities including overdrafts, term loans, asset finance and hire purchase agreements. • Conducted credit risk assessments and portfolio reviews. • Managed collateral and security requirements. • Ensured compliance with lending policies and regulatory requirements.

Managed a new agricultural commercial lending portfolio within the Western Free State. Key Responsibilities • Conducted annual credit reviews and risk assessments. • Analysed financial statements, cash flows and business performance. • Structured customised credit facilities in collaboration with credit teams. • Managed portfolio risk and credit quality. • Monitored customer exposure and collateral security. • Ensured compliance with banking regulations and credit policies. • Led and coached support staff on credit and portfolio management practices