felicia N.
Mid-Level Credit Analyst
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Felicia N. is a Credit Analyst with over five years of experience in the banking and insurance sectors, specializing in credit risk assessment, financial analysis, and underwriting. Since October 2025, she has been contributing to Caterpillar Financial Services in South Africa, where she meticulously analyzes financial statements, management accounts, and cash-flow projections to assess credit risk. Felicia prepares detailed credit proposals, applies internal risk models, and participates actively in Credit Committee discussions. Her previous role at Wesbank involved similar responsibilities, including data capture and stakeholder engagement. Before joining the credit analysis field, she gained underwriting experience at Santam Insurance Ltd, handling new business and policy amendments. Felicia's academic foundation is a National Diploma in Banking from the University of Johannesburg, supported by proficiency in Excel and credit scoring tools.
Experience
Credit Analyst
Caterpillar Financial Services South Africa · 2025 — PresentAnalyzed financial statements, management accounts, and cash-flow projections while assessing credit risk through both qualitative and quantitative information. Prepared comprehensive credit proposals, applied internal credit policies and risk models, and determined suitable credit limits. Conducted due diligence using bureau data, liaised with sales and risk teams for approvals, and monitored existing portfolios to identify early warning signs.Credit Analyst
Wesbank · 2022 — 2025Engaged in the analysis and interpretation of financial statements and management accounts. Captured relevant data into systems and prepared detailed credit proposals, utilizing internal scoring tools to evaluate client creditworthiness.Underwriting Administrator
Santam Insurance Ltd · 2019 — 2022Activated new business and renewed insurance policies, managed amendments from policyholders and brokers, and reconciled cash premium and reinsurance premium accounts. Adjusted VAT premiums and resolved discrepancies as required.Credit Risk Analyst (Commercial, Domestic & Export)
Santam Structured Insurance Ltd · 2019 — 2019Performed detailed financial and business analysis related to credit risk assessment. Evaluated clients using qualitative and quantitative data from various sources including bank codes and Experian, and gathered additional data through site visits and industry networking.Risk Analyst Learner (Santam Learnership)
Santam · 2018 — 2019Received mentorship and training in risk analysis, completing both theoretical and practical learning modules while gaining insights into short-term insurance and product knowledge.Work Readiness Trainee
Harambee Youth Employment Accelerator · 2018 — 2018Underwent training focused on workplace behavior, communication, customer service, and basic business skills.Bank Teller (Part-Time)
Absa Group Ltd · 2016 — 2016Processed a variety of transactions, including deposits and withdrawals, handled cash, resolved customer issues, and ensured compliance with banking policies.Assistant Admin Clerk (Part-Time)
Avlock International Fasteners · 2013 — 2013Assisted with administrative tasks, including phone handling, correspondence, budgeting, and data management.
Skills & Expertise
Education
- National Diploma in BankingUniversity of Johannesburg · 2015 — Present
- Matric (Grade 12)Vosloorus Comprehensive School · — — 2009
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