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Camiel Baijnath

Camiel Baijnath

Risk Measurement - Capital & Impairments

Barclays

Risk Measurement - Capital & Impairments RBB

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Barclays

Risk Measurement - Capital & Impairments

Analyse and map current impairment and capital reporting processes (either in forecasting or reporting) • Recommend course of action to automate and streamline processes • Implement recommendations to improve capital and impairment processes

Career medium 02
Career
Career medium 06

Absa

Debt Pricing Specialist

• Pricing management role, daily engagement with product and segment.
• Monthly reporting on performance and management of loans and advances book of approximately R70 bn.
• Key monitoring areas of Return on Risk Weighted Assets and Net Margins on advances book.
• Monthly reporting into product for Commercial Property Finance Exco, Cheque and Term Loan advances.
• Responsible for monitoring and approval / decline of pricing exceptions where out of policy.
• Support on regional level to business for pricing decisions to solution clients.
• Involved in providing national training interventions to business and product on pricing.
• Spearheaded Debt Pricing Standard to be applied across Business Banking in ABSA for loans and advances.
• Developed enhanced value-add monthly reports for business and product.

Career

Absa

Credit Analyst

• Responsible for exposure to the bank of R1bn in loans/advances/products among commercial groups.
• Risk management: Manage impairments of portfolio to within 0.5%. Visitation of high risk clients. Daily monitoring of exposures and limits on portfolios. Risk grading of clients on Moody’s Risk Analyst using financial information.
• Groups in the commercial space with turnover from R100m to R900m
• Groups in the public sector space with turnovers up to R2bn.
• Credit analysis: Perform reviews of credit and risk position on groups. Submit ad-hoc applications to Head Office credit for new or increased exposures. Maintained detailed due diligence of portfolio limits, exposures and update risk grading.
• Collaboration with ABSA Capital Credit on transactions of key municipalities and clients. Resulted in preparation of paper based applications presented to Group Capital Committee.

Career medium 01
Career
Career medium 01

Absa

Operational Banker

• Portfolio consisted of commercial business clients, turnovers ranging from R2m to R40m.
• Risk focus:
1) Daily monitoring of credit exceptions and limits.
2) Provision of information (financials, securities) for credit reviews of groups.
3) Ensure compliance of all post-sanction fulfilment conditions.
• Financial focus:
1) Combined Non-interest and Interest revenue growth in portfolio, 15% YoY.
2) Pro-active repricing of client product portfolios.
3) Asset and Liability growth of 8% YoY.
• Customer focus:
1) Developed client management strategy along with Relationship Manager and utilised this as basis for client meetings and targets.
2) Ownership of all client queries, requests, administrative tasks and product fulfilment.

Career

University of KwaZulu-Natal / University of Natal

Bachelor of Business Science (B.BusSci), Finance, Economics