Chioma Onyewuchi

Credit Risk Analyst Expertise - WELLS FARGO & COMPANY

San Antonio, TX

accac2@r.postjobfree.com - 210-***-****

WORK EXPERIENCE

Credit Risk Analyst Expertise

WELLS FARGO & COMPANY - San Antonio, TX - August 2012 to Present

Experienced in analyzing credit and financial reports to determine risk involved in loaning money or extending

credit. Scrutinizing financial data such as market share, income growth, and management quality to decide

if loans will be lucrative.

• Reviewing individual or commercial customer files to identify and select delinquent accounts for collection

• Analyzing the paying habits of customers that have applied for new credit or an additional extension of credit.

• Comparing liquidity, profitability, and credit histories of individual or company's being evaluated with similar

establishments to determine risk.

• Completing loan applications, including credit analyses and summaries of loan requests, and submit to loan

committees for approval.

• Compile reports regarding finance and credit data.

• Generate financial ratios, using computer programs, to evaluate customers' financial status

• Minimize bad debt risk and maximize accounts receivable collections.

• Conduct collection calls and customer visits to collect Accounts Receivables

Team Lead Sales Expertise

Call Center/Team Lead Retail Banking/Sales

WELLS FARGO & COMPANY - San Antonio, TX - August 2011 to August 2012

Selling over the phone bank phone bank products like mortgages, auto loans, business credit cards, home

equity loans, renters insurance, auto insurance, home insurance and opening checking and savings accounts.

• Uncovering new business opportunities through inbound and outbound calls for small to medium sized

businesses

• Finding potential buyers and figuring out whether they have the means to buy the product, and give them all

available options that would ensure they buy the most suitable product

• Discerning which customers are worth pursuing for a specific product or service to enable us ensure our

client building capital base is at its optimum

• Responsible for driving revenue growth and profitability throughout my assigned territory

• Constant cycling and finding of new client's and keeping existing ones by developing mutually beneficial

relationships that is based on trust and understanding

• Conversant with the company's mission, as well as the products, and services it offers, inside and out

• Surpass reaching sales goals, constantly aiming to instill a strong work ethic for the assigned team members.

• Training showing how products and services are used, explaining the history and value of buying them.

• Do some extensive selling to motivate team members and show exemplary life in surpassing bench marked

targets.

• Setting up bonuses and incentives for members of my team to keep morale high.

Compliance Analyst Expertise

JPMorgan Chase - July 2010 to August 2011

San Antonio, TX

Relationship Banker/Online Banking

Business Relationship Banking Expertise - San Antonio, TX - April 2009 to July 2010

Software Tester/Quality Assurance Analyst

Virgin Airlines - November 2007 to April 2009

Software Tester /Quality Assurance Analyst Contractor (18 months) 11/07-04/09

Account Executive Expertise

Caremark - San Antonio, TX - July 2007 to August 2008

Account Executive/ Administrative Service

HEB Grocery Store - New Braunfels, TX - February 2007 to July 2008

Member Services Representative

Randolph Brooks Federal Credit Union - April 2006 to April 2007

New Braunfels, TX

• Responsible for the development, growth, and management of all business banking sales aspects in the

assigned territory including sales growth, and client relations

• Organizing, implementing, and performing all levels of prospecting, proposal development and presentation,

contract agreement details, and customer relations follow up in a team environment.

• Precision, being able to meet various sales goals and other related objectives and the same time actively

participating in the development of team and individual market strategies.

• Responding to all of the day-to-day activities in a timely manner, while keeping all sales efforts efficient and

effective. This would include but is not limited to areas of multiple prospecting methods and project quoting.

• Responsibilities include but not limited to my territory activity, achievement of sales call volume, sales goal

attainment, and ongoing customer relations

Loss Mitigation Analyst/Compliance Analyst

FIRST NATIONAL BANK AND TRUST - October 2004 to March 2006

UK

• Experienced maintaining legal and regulatory compliance by researching and communicating requirements;

obtaining approvals

• Keeps other departments abreast of requirements by researching regulatory and filing information; writing

and communicating guidelines.

• Obtains approvals by revising forms and rates.

• Prepares reports by collecting, analyzing, and summarizing information.

• Working to analyze financial statements such as the Profit & Loss accounts of company budgets and

employee headcount reports, and there after deciphering the data to creative and innovative programs that

reduce risk and create capital.

• Preparation of risk analyst reports that show the proposed plan of action for existing and potential clients

through compiling charts, graphs and other presentations materials.

• Loss Mitigation

• Collections- The use of superior analytical research and problem solving skills with keen attention to detail.

• Short Sale

• Also strong oral and written communication skills as well as being proficient in spreadsheet, word processing

and data base applications

• Maintains quality service by establishing and enforcing organization standards

• Researched regulations by reviewing regulatory bulletins and other sources of information.

• Maintaining rapport with regulatory personnel by arranging continuing contacts; resolving concerns

• Compiles information by coordinating rate deviation filings; maintaining updated rate matrices; providing

overviews of product disclosures.

• Maintains quality service by establishing and enforcing organization standards

• Preparation of risk analyst reports that show the proposed plan of action for existing and potential clients

through compiling charts, graphs and other presentations materials.

Business System Support Analyst/ Quality Assurance Analyst

Standard Charter Bank - December 2002 to August 2004

Business Relationship Banker

Standard Charter Bank - April 2001 to December 2002

PHC- NGA.

Quality Assurance Analyst

VODACOM TELECOMMUNICATIONS - October 1998 to December 2000

3+ years in the field of Software Quality Assurance Testing, manual testing.

Software test planning and execution, primarily functioning in an integration test capacity

Responsible for testing a variety of data mobility products and quality assurance testing related products

Cross functional back up for a lab administrator and software build engineer (vacation, illness or other

unexpected absence).

Responsible for security standard implementation

• Created end- to -end test plans; executing plans by managing all activities in the plan, ensuring that all

objectives are met and desired solution works as expected.

• Solutions were tested in terms of functionality, performance, reliability, stability and compatibility with other

legacy- and/or external systems.

• Ensured that testing is well defined, planned and executed

Quality Assurance Analyst - SQL Backend Testing

• Functional Tester

Quality Assurance Analyst - Backend Testing: tested database portions of the software solution; how the

database interacts with the software solution.

QA Analyst Backend Tester

Functional/Technical Skills

• Everyday black box software tester

• Experienced in Quality Management Software and Processes

• Knowledge and experience in technical aspects of software solution being tested

• Business process understanding

• Validating that the sites and systems meet design specifications and requirements using SQL Server

database tools.

AREAS OF EXPERTISE AS A SOFTWARE TESTER/QUALITY ASSURANCE ANALYST

• Review functional and design specifications to ensure full understanding of individual deliverables.

• Backend database testing in Microsoft SQL environment including validating stored jobs and triggers.

• Identify test requirements from specifications, map test case requirements and design test coverage plan.

• Develop, document and maintain functional test cases and other test artifacts like the test data, data

validation, harness scripts and automated scripts.

• Execute and evaluate manual or automated test cases and report test results.

• Making sure that testing is well defined, planned and executed.

• Hold and facilitate test plan/case reviews with cross-functional team members.

• Identify any potential quality issues per defined process and escalate potential quality issues immediately

to management

software testing certification

• ISTQB-ISEB Certified Tester Foundation Level (CTFL)

technical skills

Areas of technical expertise

• Experienced in working with onshore and offshore teams.

• Expertise in analyzing various requirement document including wireframes, copy deck, design doc, functional

specification.

• Good interpersonal skills, excellent team co-ordination skills and well versed with software development and

testing life cycles.

• In-depth knowledge in agile and development methodologies: UML and Use Case diagrams preparation.

• Good documentation skills for creating detailed test script, test reports and other documents required within

the test process.

• Experience in writing and executing test scripts and managing user acceptance testing and sign processes.

• Good experience in SAP BW/BI components, ETL processes and data modelling such as creating info cubes,

info objects, multiproviders, infosource, info packages, datasource and process chain automation.

. Test Management Tool:

Mercury Quality Center, Site Administration, Jira, Bugzilla, Team Foundation Server.

. Operating System:

Windows 2003/XP/Vista/7, Linux, UNIX

. Languages:

VB-Script, Java, Pearl, C, C++, C# .NET, PL/SQL, Ajax

. Web Script Languages:

. Databases:

HTML, DHTML, PHP, XML

MS SQL Server 2000/2005/2008, Oracle 10g, MS Access, SAP BI, ECC, PL/SQL and SQL, iseries (AS400),

Retail System

. Microsoft Office Tools:

MS Visio, MS Excel, MS Word, PowerPoint, Access, MS Front Page

Merchant Sales Consultant/ Account Executive

VODACOM TELECOMMUNICATIONS - December 1996 to October 1998

Responsible for driving revenue growth and profitability throughout my assigned territory.

• Developing and implementing ideas for promotional marketing campaigns. Always involved in all stages of

the process, making sure a campaign runs smoothly.

• Increasing sales or usage of products and services by providing additional incentives, targeting consumers,

channel-marketing partners and a company's own employees.

• The use of sales strategies innovation including competitions, samples and coupons, promotions and point-

of-sale displays to encourage increased sales.

These customized and well tailor incentives reach the consumer in a variety of ways, such as in retail outlets,

at events and exhibitions, through direct mail, press advertising, websites, text messaging and social media.

• Tasks include researching ideas, clients and markets

• Liaising with clients, other agency staff and external suppliers of goods and services

• Development of ideas for promotional marketing campaigns

• Reporting to the Accounting Manager

• Business Presentation to clients

• Preparing and checking invoices and bills

• Writing and proof reading promotional marketing campaigns

• Monitoring progress of work and producing status reports

EDUCATION

Master of Business Administration in Marketing

Keller Graduate School of Management - Chicago, IL

ADDITIONAL INFORMATION

. Methodologies

Agile- Scrum, V-model, Waterfall

AREAS OF sales/ financial services/ it skills expertise

• Financial Analyst

• Short Sale

• Portfolio Management

• Credit & Risk Analysis

• Underwriting

• Forbearance

• Data gathering and analysis

• Loss Mitigation

• Compliance Analyst

• Reviewing Regulatory Bulletins

• Researching Regulatory Information

• Maintaining Legal Regulatory Compliance

• Banking & Finance

• Financial Analysis

• Consultative Financial Services

• Business Seminar Presentations

• Forecasting Methodologies

• Loss Prevention/Mitigation

• Analytical Research

• Qualitative Methods

• Risk Analysis Reporting

• Financial Statement

• Merchant Sales Consultant

• Revenue Management

• Business Relationship Banker

• Strategic Sales & Marketing

• Sales Management & Support

• Sales Promotion

• Accountant Analyst

• Account Executive

• Team Lead Sales Supervisor

• Collections

• Raising and retaining assets within a geographical market area

• Marketing Research/ Marketing Campaigns

• Marketing Methodologies

• Statistical Analysis

• Data Analytics

• Customer Service

• Client Services Support

• Market Research

• Market Analyst

• Advertising

• Call Center Experience

• Software Testing Professional

With 2+ years of testing experience

• Expertise in Bug Tracking Processes, familiarity with

Bug Reporting and using

Bug tracking tools like

PR-Tracker and

Issue Tracker, Bugzilla

• Expertise in Test Case Design, Test Planning and

Test Reporting

• Experienced in Functional Testing, Installation Testing, Web Application Testing and User Site Acceptance

Testing

• SQL development, query building

• Java script Knowledge

• HTML

• SQL Backend Tester

• Microsoft SQL

Contact this candidate