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Park Lane West Building | 197 Amarand Avenue
Waterkloof Glen 2 Pretoria | 0181
(+27) 10 493 4644
© Copyright 2024 EMS Credit (Pty) Ltd All Rights Reserved
Park Lane West Building | 197 Amarand Avenue
Waterkloof Glen 2 Pretoria | 0181
(+27) 10 493 4644
© Copyright 2024 EMS Credit (Pty) Ltd All Rights Reserved
NON-EXECUTIVE DIRECTOR, CHAIRMAN
Louis started off his career in Law. He completed his B. Proc Law Degree (4 years) at the University of Pretoria in 1982 and was admitted as an attorney at the age of 22. He practiced law as a partner at a small boutique property firm before joining a large corporate law firm as an associate. After practicing law for a total of 4 years, his ambition was always to join the business world. Before taking this next step, Louis enrolled for his MBA degree in 1987 at the Business School at the University of Pretoria, today known as GIBS. Upon completion all subjects and his thesis, he joined Central Merchant Bank (Senbank) as a consultant in the Project Finance (Structured Finance) Department. During his tenure at Senbank he was involved in many local and international transactions. In 1990 Louis started an Integrated Property Consulting Company with Partners which lead to the formation of Invest Group Projects in 1991. The Group specialised in various property developments, from hospitals, Retail & Offices, Residential and Leisure. In 2017 Invest Group Projects was rebranded as Waterford Bridge Group. The Group continued in the same focus areas of property development. During the many years a number Businesses Ventures were created or acquired over the years. Many had an underlying property as the backbone which required a fully functional and profitable business to add value to the property. Examples of these businesses are Hospitals, Clinics, Medical Centres, Logistics, Country Clubs, Hospitality Businesses and Leisure venues. During the last 30 years he had exposure to a wide variety of transactions and businesses, ranging from structuring & funding arrangements to the actual creation of new businesses. Such would be the development of hospitals, the formation of a group of hospitals, ultimately the listing of the hospital group. Over the last couple of years his interest has been diversified to the development of People either through Entrepreneurship or alternately through Mentoring. Currently the scope has widened and investment has taken place in a number of entrepreneurial ventures.
EXECUTIVE MEMBER
CHIEF EXECUTIVE OFFICER, EMS CREDIT
Siegfried, a property executive, holds the position of Chief Executive Officer for EMS Credit since July 2021. He also holds the position of Head of Property for Creation Capital. He developed his property skills in the banking sector, with 23 years of banking experience in Property Asset Management, Commercial Property Finance, Wealth Management and Private Banking. Siegfried studied accountancy at UNISA and completed his articles at Fisher Hoffman Sithole (now PKF). In 1997, he joined Investec Private Bank to commence his banking career in dealing with high-net-worth individuals’ financial requirements. He went on to work at Standard Private Bank as a Wealth Manager and later joined RMB Private Bank’s advisory team to further his banking skills. A common property thread emerged in the wealthy customer base, enabling his focus on all property type transactions. In 2013, Siegfried was appointed as the National Head of First National Bank’s Commercial Property Finance division. In 2015, he made a strategic shift to head up First National Bank’s Investment Property Division and to manage the bank’s national head office footprint, including their reach into Africa. He was responsible for the bank’s property investment decision-making, property asset management function and their space planning initiatives. In 2020, Siegfried stepped down to further his career in property consulting and advisory services. He is passionate about urban property transformation and has served as director on a CBD improvement partnership, as well as a volunteer to a township upliftment NGO. Siegfried holds a BCompt Honours degree, a Certificate in Theory of Accounting and a Certified Financial Planning degree.
EXECUTIVE MEMBER
CHIEF OPERATING OFFICER, EMS CREDIT
Henk joined EMS Credit in March 2023 as an Executive and holds the position of Chief Operating Officer. He furthermore holds the position of Chief Operating Officer of Creation Capital since 2020. Henk also holds the position of Executive Director of Creation Europe as well as the Global Yield Fund. Henk is based in the Netherlands. He worked, since 2008, as the Group Chief Financial Officer for Geneva Management Group (current Group AUM estimated by GMG to exceed $2bn), based in Mauritius and Switzerland. During his 12 years with the group, Henk served on all key Boards, including the Group Board, the Fund Management-, Insurance- and Real Estate divisions and took on the responsibility for Group Compliance and Risk. Henk has many years of senior executive experience across various industries, including an NSE-listed entity working in both the USA and the Netherlands. His focus has been on the Financial Industry, including listed (public) and privately-owned companies. He served (and still serves) on a number of Boards and Audit Committees.
Henk is a qualified Chartered Accountant, CA(SA), and was a senior manager at PricewaterhouseCoopers (PwC) in the Netherlands. He has a degree in Investment Management (B.Comm Hons) and holds an executive MBA from the Erasmus University, Rotterdam (the Netherlands).
INDEPENDENT MEMBER - CHAIRPERSON
Antonie has a diverse background in law, structured finance, banking and property development. He started his career in legal practice where he specialised in commercial and tax law. In January 2000 he left practice and was appointed as a director of Catalyst Property Finance (Pty) Ltd. Catalyst was set up as a property structured finance business with a view to the selling of tax and financial products to clients.
In 2004 Antonie joined Nedbank’s Corporate Property Finance Division as a Senior Relationship Manager in their key client team. During this time he focussed on structured lending to high-networth clients, corporates and listed loan stock companies. He was, for example, intimately involved in the funding application for the One & Only Hotel at the V&A Waterfront. A core component of his work involved the preparing and presenting of credit proposals to the Bank’s credit panels up to Board level. In the process he obtained significant experience in risk and credit assessment and structuring.
The knowledge that Antonie obtained in financial structuring and property lending came in very
handy when he decided to leave Nedbank to pursue property development as a partner in a startup business. His involvement in the property industry continued thereafter in different capacities and he participated in a number of successful commercial, residential and industrial developments
and investments.
After a number of years in the property industry Antonie decided to complete the circle by re-entering legal practice where he now specialises in commercial law (which includes, amongst others, contract law, tax law, financial services law, company law, credit law, partnership law, trust law and employment law), business structuring, balance sheet restructuring, mergers and acquisitions and cross-border transactions. He is also a notary and a conveyancer.
CHIEF FINANCIAL OFFICER, EMS CREDIT
Melanie is an accomplished Chartered Accountant offering seventeen years’ experience. She was at the helm of the finance function for a group of 12 companies in the finance sector as Group Chief Financial Officer and formulated, implemented, and monitored several financial controls and policies. Melanie is also a qualified Key Individual.
Her strengths include, among others, business management, contract negotiation, asset management, team management, Companies and Tax law, and a thorough understanding of financial strategy development and implementation.
Melanie has received various awards for outstanding performance and has acted has Chief Executive Officer.
HEAD OF LEGAL, EMS CREDIT
Natalie joined EMS in 2021. Natalie has more than 15 years of commercial legal experience. After completing her articles, she spent 8.5 years as a legal advisor at Nedbank Private Wealth. Natalie was then appointed Head of Legal at PSG Konsult, a large financial services company in South Africa. She spent almost 6 years as Head of Legal at Creditsmith Capital Partners, a South African regulated fund manager with a focus on private credit in specifically real estate.
Natalie holds LL.B. Degree from the University of Cape Town and completed her articles of clerkship at Jan S de Villers (now Werksmans) in Cape Town, South Africa.
COMPLIANCE OFFICER
Cikizwa joined EMS Credit in June 2016 as a vendor coordinator, promoted to the Operations Team leader of the Purchase Order Funding over a year later and Compliance Officer from the year 2019.
Prior to joining EMS, she had a varied career spanning 14 years from working with state accounting, telecommunications, merchant banking, wealth management, business analysis and small business development. She has a passion for the sustainability and growth of SMMEs that is geared towards employment creation.
Cikizwa holds a BCompt degree from UNISA and a Business Accountant, BA (SA) designation.
PROPERTY SPECIALIST
Pieter is registered as a Professional Quantity Surveyor with the South Africa Council for the Quantity Surveying Profession and holds the position of Property Specialist. He has more than 9 years of experience in commercial and residential property development. He enjoys the development process from inception to completion with a special interest in value engineering and procurement. Pieter holds a BSc Honours degree in Quantity Surveying.
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