JACQUES MOUTON
Dordrecht,ZH
Success in anything will always come down to this: Focus & Effort, and
we control both of them.
Dwayne ‘The Rock’ Johnson
Summary
I am passionate about delivering outstanding quality and service ,with honesty and integrity. Self motivated and dedicated work ethic. Offering 32 years of experience in Financial Services industry . Detail-orientated Assessor adept at making critical decisions, managing deadlines and conducting team reviews. With expertise in analysis and quantitative problem-solving skills, dedicated to company growth and improvements. Meets job demands and deadlines through diligent work-ethic and dedication to quality. Motivated Credit Assessor with 33 years of progressive experience. Energetic self-starter and team builder. Navigates high-stress situations and achieves goals on time and under budget. Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance. Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
33
33
years of professional experience
Work History
Credit Assessor
GOMO Vehicle Solutions
11.2021 - 04.2024
- Transaction Capital (Johannesburg Stock Exchange Listed Company) have 3 subsidiaries nl: SA Taxi , Nutun and Webuycars.
- We started a company called "GOMO Vehicle Solutions" within SA Taxi to extract value from financing vehicles (auto's) at Webuycars . Webuycars exclusively buy and sell used vehicles (autos). They buy about 500 cars a day and sell about 15000 cars a month. They have now listed separately on the Johannesburg Stock Exchange with a value between R8.7 Billion and R10 Billion [About Euro 428 million)
- My job purpose is to be responsible for ensuring that quality risk evaluations are performed to ensure sustainable profit and asset growth.
- Internal stakeholders: To promote teamwork within the Credit Team and Management , as well as with the GOMO Sales Team. I also had regular meetings with the Business Analysts and IT Department to suggest improvements and to insure that sufficient information is provided to do quality credit assessment.
- External stakeholders: This will be Webuycars. To provide accurate and timely assessment of their clients auto finance applications. We aim to provide an outcome (approval , pending or decline) within 25 minutes of receiving the electronic application from the 12 Webuycars branches countrywide. My daily responsibility was negotiating interest rates , term of the auto loan as well as if a deposit will be required on a transaction ( especially where the equity was too high and not according to company policy).
- Mandate: R800,000 per approval
Credit Assessor
Motor Finance Corporation
02.2016 - 10.2021
- Ensuring that quality risk evaluations ( 80 - 100) are performed per day to ensure sustainable profit and asset growth, within the agreed service level agreements
- To facilitate a finance process that provides competitive sales support, to maintain / sustain relationships within the retail cluster
Financial Adviser
Discovery Ltd
11.2015 - 01.2016
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Established new client relationships by conducting thorough needs assessments during initial consultations.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
Financial Adviser
Avatar Global Consult
04.2015 - 10.2015
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Established new client relationships by conducting thorough needs assessments during initial consultations.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
Financial Adviser
1.618 FINANCIAL SERVICES
10.2014 - 03.2015
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Established new client relationships by conducting thorough needs assessments during initial consultations.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
Credit Assessor
Absa Home Loans
06.2009 - 09.2014
- Worked with regional management to grow and deliver wider strategies.
- Advised on financial management of new assets, investments and tax efficiency methods.
Credit Assessor
Absa Vehicle & Asset Finance
06.2003 - 05.2009
- Delivered insightful analysis and made data-driven recommendations to support business strategy and commercial decision-making.
- Partnered closely with internal stakeholders across various departments to provide analysis and relevant support.
- Kept updated knowledge on current developments in Credit Lending.
Business' Development Officer
Ford Credit
01.2002 - 05.2003
- Helped increase turnover by 10% by designing successful and profitable business strategies.
- Prepared reports and presentations detailing business development activities and outlining new initiatives.
- Identified cross-selling opportunities through ongoing customer needs analysis.
Collections Officer
Absa Vehicle & Asset
12.1995 - 12.2001
- Reduced total number of outstanding accounts by consistently pursuing debtors and reclaiming owed funds.
- Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
- Processed payments over phone and set up recurring drafts.
- Met demands of busy collections group by performing high volume of daily calls.
- Confirmed payment arrangements and finalised customer payment dates and contact information.
- Liaised with debt recovery agents or solicitors regarding outstanding accounts.
Collections Officer
Mercantile Lisbon Bank LTD
09.1995 - 11.1995
- Reduced total number of outstanding accounts by consistently pursuing debtors and reclaiming owed funds.
- Processed payments over phone and set up recurring drafts.
- Contacted customers and discussed unresolved issues and past-due payments to update customer accounts.
Collections Officer
Absa Vehicle & Asset
06.1994 - 08.1995
- Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
- Met demands of busy collections group by performing high volume of daily calls.
- Reduced total number of outstanding accounts by consistently pursuing debtors and reclaiming owed funds.
- Contacted customers and discussed unresolved issues and past-due payments to update customer accounts.
Bank Clerk
United Bank
05.1991 - 05.1994
- Managed receipt and banking information to monitor and protect company funds.
- Processed cash receipt and payments with meticulous precision, minimizing banking discrepancies.
Education
B.Comm - Economics
2010
Matric - Afrikaans ,English , Business Economics , Geography , History , Maths
12.1988
Skills
- Risk assessment skills
- Relationship building
- Team building
- Financial analysis
- Customer Relationship Management
- Financial Analysis
- Analytical Skills
- Risk Assessment
- Sales skills
Accomplishments
- Improved Credit reviews by successfully handling customer complaints and implementing monthly staff training.
- Enhanced Credit processes, implementing across department for increased productivity and profits.
- Recognized by management for good customer service behaviors, leading to increased Business revenue.
- MFC & Nedbank Retail & Business Bank Award.
- On-going recognition (New Business)– Achiever 2016 (Individual Reward) – October 2016
- On-going recognition (Credit) – Achiever 2016 (Individual Reward) – December 2016
- On-going recognition (Credit) – Achiever 2017 (Individual Reward) – June 2017
- Wild Dog – Best Hub Performer Award (Franchise) – Q2 Apr –Jun 2017:
- Achievements: Credit Manager of the month (ABSA Bank Home Loans) – Sep 2012.
- Achievement: ABSA Bank PRESIGE AWARD: BRONZE – LEADERSHIP CATEGORY (2007)
- Achievements: Credit Officer of the year 1998 – Gauteng Central [BANKFIN
Languages
Afrikaans
First Language
English
Proficient
C2
Afrikaans
Proficient
C2
Dutch
Intermediate
B1
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Software
Microsoft office
SAP
Work Preference
Work Type
Full TimeWork Location
RemoteOn-SiteImportant To Me
Work-life balanceCompany CulturePersonal development programsCareer advancementFlexible work hoursWork from home optionInterests
Music
Rugby
Timeline
Credit Assessor - GOMO Vehicle Solutions
11.2021 - 04.2024
Credit Assessor - Motor Finance Corporation
02.2016 - 10.2021
Financial Adviser - Discovery Ltd
11.2015 - 01.2016
Financial Adviser - Avatar Global Consult
04.2015 - 10.2015
Financial Adviser - 1.618 FINANCIAL SERVICES
10.2014 - 03.2015
Credit Assessor - Absa Home Loans
06.2009 - 09.2014
Credit Assessor - Absa Vehicle & Asset Finance
06.2003 - 05.2009
Business' Development Officer - Ford Credit
01.2002 - 05.2003
Collections Officer - Absa Vehicle & Asset
12.1995 - 12.2001
Collections Officer - Mercantile Lisbon Bank LTD
09.1995 - 11.1995
Collections Officer - Absa Vehicle & Asset
06.1994 - 08.1995
Bank Clerk - United Bank
05.1991 - 05.1994
University of South Africa - B.Comm, Economics
High School Florida - Matric, Afrikaans ,English , Business Economics , Geography , History , Maths
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