Salome Mpanza

81 Ash Street Alveda Park Ext 2 Kibler Park 2091 ID number :- Contact number :- E-mails :-- Salome Mpanza Secondary Level 2001 R.W. Fick Senior Secondary School Matriculation Certificate       Tertiary Level English Afrikaans Mathematics Science Biology History 2014 Short Courses South African School of Paralegal Studies- Gauteng       Certificate in Wills & Estate Certificate in Debt Collecting with distinction Certificate in Criminal Law and Procedure Certificate in Civil Litigation Certificate in Business Law  Contract Law  Corporate Law  Labour Law Certificate in Property Law & Conveyancing 2016 Senior Paralegal Diploma South African School of Paralegal Studies- Gauteng       Courses Attended and Registrations/ Wills & Estates Debt Collecting Criminal Law and Procedure Business Law  Contract Law  Corporate Law  Labour Law Civil Litigation Property Law & Conveyancing Completed Completed Completed Completed Completed Completed -POPIA workshop 2017 -Registered Debt Collector in terms of The Debt Collectors Act S.A Memberships Computer Literacy -Member of The Council For Debt Collectors S.A -Business Communication and Report writing 2011 -SAP Leasing Solutions (Group Credit) 2010 -Sanctions Relationship Manager ( SANC08 ) 2010 -Relationship Manager Core 2010 -Relationship Manager Specific 2010 -Debt Review Operations (Customer Management) 2010 -Debt Review (Customer Interface) 2010 -eContact 2.7 (Striata) 2010 -Financial Advisory and Intermediary Services Act -2007 & 2008 -ABSA financial Sanctions & Prohibition of Business Activity -2008 -Money Laundering Control -2007 & 2008 -Code of Banking Practice – 2006, 2007 & 2008 -National Credit Act (AVAF Sales Learning Programme) - 2007 & 2008 -Corporate Crime: Awareness, Detection & Prevention - 2008 -Banking Products Knowledge for Collectors - 2008 -Financial Intelligence Centre Act (FICA) - 2006 & 2007 -Consultant Skills Programme NQF level 4 (30 credits) - 2006 -Civil Procedures for Collectors (Personal and Small Business Recovery Services) 2008 -Absa Asset and Vehicle Finance 2008 -Business Continuity Management 2008 MS Package ( Word, Excel, PowerPoint, Access and Publisher) SAP Pastel Accounting Typing Skills Windows 98/2004/2007/2010 Internet & E-mail Languages English (Speak, read and write) North Sotho (Speak, read and write) Zulu (Speak and fairly read) South Sotho (Fairly-speak, read and write) Tswana (Fairly-speak, read and write) Work experience Company name: Nongalo S M Holdings (Pty) Ltd Position: Director and Senior Legal Practitioner Duties: Conducting legal analysis and research on various legal matters of the clients or the company. Providing advice on different legal issues and assist in drafting legal opinions, memoranda and other briefing documents Actively involved in preparing and drafting of different policies. Conducting legal research by utilizing various resources and selecting the relevant material to analyse the legal information Assisting in reviewing the legal material and any other relevant documents and to identify the most important issues that need to be sorted out on a priority basis Drawing up formalities regarding the settlement of disputes and monitor the implementation of the legal clauses Proof reading and reviewing all the legal documents that the company receives and making sure that they are properly drafted and reviewed; and Carrying out negotiations and ensuring that the company claims are enforced and adhered to on time Ensuring that the company is compliant with all the relevant legislations. Period: 18 July 2017 till to date Company Name: DHL International T/A DHL Express S.A Position: Senior Debt Recovery Executive Duties: Managing the Legal Debt Recovery Department. Day to day managing the Pre-Litigation and Litigation process. Managing the legal vendors (External Debt Collectors, Attorneys and Advocates). Maximizing bad debt recovery whilst balancing the prospect of successful litigation against cost in difficult situations. Managing Liquidations and Business Rescue processes. Internal debt collections and legal advising, researching, reviewing, verifying, and routing correspondences. Auditing new handovers to ensure compliance across the border and ensuring that litigation disputes don’t incur. Gathering and analysing researched data for each case. Drafting legal letters (Section 129 LOD, 48 hours LOD and handover notification) and legal documents (AOD in terms of Section 57, Consent to judgment in terms of Section 58 and Deed of Sureties). Drafting manual certificate of balance for all Pre-Litigation and Litigation matters. Proof reading all Affidavits and legal documents that are due for the Directors signature/s and ensuring that they comply with our global policy. Responding to pleas and affidavits. Ensuring that all matters are attended to on a timely manner. Reviewing & managing legal cost and preparing payment requisition in respect of legal cost/collections commission expenditure. Ensuring that we adhere to the South African Laws and jurisdictions. Responding to all queries raised by the Magistrate/Regional/High Courts. Identifying appropriate laws, judicial decisions, legal articles and other materials that are relevant to assigned matters. Managing the performance of our Attorneys and external Debt Collectors by setting monthly collections goals and targets. Negotiating the yearly retainers/contracts in respect of legal fees and collections cost / commissions. Drafting the retainers/contracts for our vendors and submitting motivations to our Executive Directors for final decisions pertaining to renewal or terminations of retainers or contracts based on the level of efficiency, competency & results received from the vendor. Giving support, coaching and training to the Account Receivable teams to increase the recovery rate and minimize bad debt. Preparing recons and managing the accounts rehabilitations process. Ensuring proper credit assessments are done on all rehabilitated accounts in respect of our internal local policies. Managing and overseeing the payment allocations and writing back payments to the Income Account process. Implementing and maintaining our internal policy. Compiling monthly reports for the Senior Management Team and Directors. Litigations against DHL – Managing matters and claims brought against DHL Receiving summons issued against DHL and timeously instructing our Attorneys to defend the matters to prevent default judgments. Communicating with our insurance company for liabilities cover. Offering settlements on matters that arouse out of our negligence. Drafting settlement letters for limited liability claims paid by DHL. Record keeping - ensuring that all documents are kept safe as prescribed by the POPI Act. Period: 27 May 2013 to 12 April 2018 Company Name: ABSA Customer Estate Management Position: Customer Estate Management Officer Duties: Accepting and declining Trustees request for support. Resolving all queries from Trustees and Stake Holders. General administration and managing the sequestration process by requesting final Court Order from relevant Departments and Trustees to finalize the process. Issuing rental agreements. Follow up with Trustees and Executors for required documents. Payment arrangements made on bond accounts in deceased matters. Ensuring daily productivity and targets are met. Prepare documents for claims Department. Handling inbound & outbound calls. Managing the Insolvency portfolio by aligning Risk codes, CTL code and Collector ID. Period: 01 February 2012 to 04 May 2012 Company Name: ABSA Debt Review Operations Position: Portfolio Management Officer Duties: Managing the total customer portfolio and any queries received from Debt Counsellors by proactively identifying matters showing potential reputational risk and recommending alternative approaches to the Team Leader Debt Review aimed at avoiding reputation repercussion to the Absa Group. Taking control and ownership over all clients’ portfolio whilst the client is under Debt Review. Liaising with the Debt Counsellor by providing information on clients’ accounts e.g. balances on accounts, interest rates, terms of contract, statuses on Debt Review Process, initial contract documents, Bank's decision on proposal etc. Liaising with internal functional units to facilitate the optimum level of adjusting/restructuring client’s portfolio /accounts to ensure the rehabilitation of the customer. Providing quality decisions regarding client’s portfolio to ensure implementation of best practises, restructuring strategies and cost effectiveness thereby minimising bad debt ,write offs and maximising recoveries. Overseeing the successful implementation of tactical and operational actions to achieve Debt review strategic goals. Supporting collections/recovery teams in understanding, interpreting and managing risk associated with Clients portfolio that is experiencing financial difficulty or is likely to experience financial difficulty. Negotiating with Debt Counsellor regarding their proposals to restructure clients’ accounts. Liaising with stakeholders and key role players e.g. Contact centres, Retail Credit for all product houses, Debt recovery Units, Credit card and Vehicle. Comply with individual and team performance requirements. Taking ownership of values and activities that are aligned with corporate initiatives. Rigorously apply all controls required by the National Credit regulator for the governance of the Debt Counsellors and Debt Review process to ensure adherence to policies and regulations set e.g Sending Certificate of Balance within 5 days, responding to proposals within 10 days. Monitoring and analysing qualitative data such as customer information, debt counsellor information, payment arrangements etc received from the workflow system. Highlight inconsistent trends identified from data received from workflow and recommend improvements to the Team Leader to enhance the systems and DR processes. Focusing on all service issues such as complaints or queries and becoming the role model in term of sterling service delivery and customer centricity by taking full ownership of the service issue. Reporting on Incompletes on proposals and Certificate of Balance received from Debt Counsellors by using a standard excel template. Viewing on SAP to get balances, interest, instalment and other client’s vehicle account information. Auditing COBs’ that are sent to Debt Counsellor’s and compiling report. Giving feedback to staff members about the errors found and implementing an action plan. Period: 20 September 2010 to 31 January 2012 Company Name: ABSA Credit Operations & Delivery(Mortgage Loans) Position: Pre-Legal Officer Collections (Credit Controller) Duties: Collection of arrear amount on mortgage loan accounts to minimise loss to Absa by dealing with customers whose accounts are in arrears. Meeting daily, weekly and monthly targets. Negotiating promises of payment from customers with the objective of bringing accounts back to order, before they deteriorate further into delinquency. Liaising with Attorneys when accounts are under cancellation, to find out whether all sale conditions have been met and whether there is loss for the bank. Issuing relevant letters to clients e.g. Letter of Demands, Repayment letters & etc. Establishing contact with clients, identifying accounts and link them to DRS, to retain & rehabilitate performing accounts. Liaising with Attorneys, Estate Agents & Clients in search for valid Guarantees. Liaising with other Department for an example Securities, Cancellation & Processing Department. Analysing client’s financial worthiness and managing risk. Updating clients details on CIF and OCS, requesting valuation details. Doing recons for clients. Customer Service, recognising provision accounts & requesting death certificate if clients are deceased. Collecting outstanding arrears amount using telecommunication. Responding on e-mails. Dealing with account queries and Managing more than 800 clients per month with amount varying from R- to R 1.5 million. Quality Controller- Checking the Agent’s quality on actions taken on accounts, coaching staff members and compiling report for the team leader. Second in charge in the team. Period: 18 February 2008 to 17 September 2010 Company Name: FNB Home Loans Position: Pre-Legal Credit Controller Duties: Collection of arrear home loan accounts to maximise the profitability of FNB Home Loans by a reduction in bad debt figures. Negotiating acceptable arrangements, Issuing Letters of Demands (Section 129 letter) and Summons to accounts that are more than 2 months in arrears, Liaising with third parties i.e. Estate Agents, Attorneys, and Salary Departments. Counselling arrear clients and concluding viable arrear agreements. Analysing client’s financial worthiness and managing risk. Compiling recons for client (on client’s request) Tracing using ITC, GIS, XDS and the Map. Doing Monthly Report. Achieving monthly target with specific focus on non-performing loans and recovering of provisions. Administrative duties(preparing documents for the legal dept, faxing and e-mailing client’s information, preparing letters to clients, posting section 129 letter to clients and summons to Attorneys, receiving clients queries via e-mails/telephone and responding to queries via e-mails/telephone. Preparing & processing manual debits on client’s DDA accounts. Loading and cancelling of debit orders as per client’s request. Achieving daily, weekly and monthly targets. Period: 06 March 2007- 16 February 2008 Company Name: CMS Group Position: Debt Collector (Call Agent In and Out Bound) Duties: Collections in the Call Centre environment, resolving client’s queries on accounts. Collected on the Standard Bank Books (Cards and Personal Loans). Allocating payments made by clients. Tracing using XDS, Cyber Tel and ITC, issuing paid up letters and statements of accounts to clients. Monitoring and reconciling accounts. Achieving monthly targets. Period: 4 December 2006 – 05 March 2007 Company Name: Capitec Bank Position: Banker Sales Consultant Duties: Marketing and Sales on all our products, processing credit applications, determining affordability, credit assessment & approving credit facilities in terms of the NCA & internal credit policy, customer service, gathering client information and processing, credit evaluation, collection on bad debt(1-30 days, 31-60, 61-90, 91-120) and deciding which accounts to hand over to Attorneys. Teller duties and general administration duties. Achieving monthly targets. Second in charge in the absence of the Branch Manager. Period: From 2 February 2006 – 2 December 2006 Company name: Letsatsi Finance & Loans (Head office) Position Held: Legal Debt Collector Duties: Telephonic collection, drafting garnishee orders, obtaining judgements, issuing summons, liaison with both clients and their salaries dept, monitoring and reconciling accounts, data capturing, posting paid up letters & statements of accounts using Pastel Accounting Express 2004, Excel and Ms Word. Requesting remittance or proof payment from clients and salaries dept. Looking for payments on Company bank statement. Customer services. Resolving queries. Collected on Three Branches books (Commissioner Branch, Von Brandis and Sunny Park). Allocating payments made on accounts. Achieving and exceeding monthly targets. Credit assessment and risk management. Period: 03/01/2005 --- 31/01/2006 Awards and Achievements Skills and Competences          2017 Employee of the 4th Quarter Award – DHL Express Top Performer (Silver) 2011 within Retail Bank Collections 250 Rubies – 2011 within Retail Bank Collections 20 Gems - 2011 within Retail Bank Collections Half Year Awards Top performer at ABSA Bank June 2009 Top Collector at ABSA Bank October 2009 Top Collector at ABSA Bank Sept 2009 Bronze Mathematics Certificate at RW Fick Senior Sec School Silver Business Economics Certificate at RW Fick Senior S School                   Ability to multi-task across different areas of work Proficient in MS Office packages and Pastel Accounting Excellent communication skills, telephonic and written Ability to work in a close knit team Smart, creative, analytical out-of-the box thinker Committed to customer service: internal and external Initiative, high energy levels and self management ability Systematic and logical thinking A keen desire to grow and develop Strong organizational and planning skills Attention to detail Negotiating Skills Administration Skills Problem Solving Analysing Data Knowledge of different Banking Products Target driven Adaptable to change Reference: Company Name: DHL Express S.A Management Accountant: Miss. Pheladi Chiloane Contact number:- or- E-mail address:-Company Name: ABSA bank Credit Manager: Mrs Rachel Hlophe Contact number:- or- E-mail address:-or-Company Name: FNB Pre-Legal Home loans Manager: Mr Patrick Msibi Contact number:- OR- E-mail address:-Company Name: CMS Group Team Leader: Mr Thabo Maatjie Cell:- Company Name: Capitec Bank Branch Manager: Mr Hugh Palmer Business:-/7 Cell:- Letsatsi finance & loans Miss Lucy Ngwenya-/-