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Kerry Westcott (Cloete) is a Chartered Accountant with extensive experience in credit risk analysis and management, currently serving as Co-Team Leader in Credit Risk Analysis at Rand Merchant Bank since June 2015. Previous roles include Senior Credit Risk Analyst and Credit Risk Analyst, where responsibilities encompassed assessing financial statements and managing credit portfolios across various sectors. Prior to RMB, Kerry held positions at Nedbank Limited as Senior Credit Risk Manager and Corporate Credit Manager, focusing on team development and complex financial assessment. Kerry's career began at Ernst & Young as an Auditor, supervising audit teams in diverse industries. Kerry holds a Postgraduate Diploma in Accounting and a Bachelor of Business Science (Finance Honours) from the University of Cape Town.