Credit Analyst

Kizito C. Nweke

** ********** ********, ******** *******. L7A 2K2 ●Tel: 416-***-**** ● **************@*****.**.**

A Financial Services Specialist with strengths in: Loan Recovery / Credit Appraisals / Customer Service

Experience in financial service organizations providing loan recovery services. Sound knowledge of recovery strategies and credit appraisal. Commitment to outstanding customer service and adherence to organizational and legislative compliance. Demonstrated leadership and teamwork skills to drive results.

RELATED EXPERIENCE

BUSINESS/CREDIT ANALYST

G & J Financial Services:310-10 Gillingham Drive Brampton July2016

● Design strategies to initiate advanced continuous improvement for profitability growth and competitive

advantage

● Propose solution in meeting defined organizational goals and objectives on budget and on time to go

live implementation.

● Defining business requirement using various modeling and analytical techniques to capture attributes

and understanding required to enable management throughout the project.

● Document any identified or required changes and communicate to management/relevant parties

CREDIT ANALYST 1

deutsche bank : 345 Park Avenue, New York USA June 2015 –July 2016

Established and monitored new and existing credit lines by performing financial statement analysis.

Analyzed severity of past due obligation accounts and took precautionary measure to prevent future loses

Verified customers credit application information including bank and vendor references

Helped maintain delinquency level under 1%.

Monitored borrowing trends, payments and credit exposure on daily, weekly and monthly bases

Made decisions based on analyzed information from credit reporting agencies.

Conducted due diligence on financial and legal background of key partners before entering formal relationship.

Effectively assessed credit risk, current and potential client viability and analyzed financial statement and cash flow

Assisted collection departments with delinquent customers.

Access Bank

Customer Retainer Manager June 2010 –May 2015

Customer Service

Drove sales through relationship management; and handled deposit mobilization

Sourced quality real estate prospects and converted them to customers

Transactions Processing

Managed day-to-day operations of the firm, maintaining all financial books

Recorded and performed bookkeeping transactions

Credit Appraisal

Carried out appraisal of credit requests to ensure only good and quality risk assets were booked.

Monitored credit facilities to ensure strict adherence and avoid diversion of funds.

Maintained high ethical standards in the work environment to remain competitive

Ensured procedures and policies of the bank were adhered to at the branch level.

Supervisory

Developed and implemented strategies for growth in business development

Responsible for branch staff activities as it concerned the scope of work to ensure set targets were met.

Provided general supervision of branch operations to remain profitable

Reported to the Regional Business Executive South East on the general activities of the branch.

Intercontinental Bank Plc

Head Loan Recovery

March 2007-June 2010

Recovery / Loan Portfolio Management

Developed recovery strategy to suit individual debtors

Located physical properties pledged as security for loans collected and placed a caveat on them.

Negotiated for full and final payments based on customer’s percale situations

Updated the database of loan portfolio and kept and classified them accordingly

Account Management / Customer service

Informed account holders on phone or in person about their dues and insisted on a speedy recovery to avoid further complications

Advised credit administration on red flag accounts and possible hardcore accounts to enable them to hold on to further disbursement of funds

Maintained a daily database of recoveries achieved and send it to Head Office on a weekly bases or on demand.

Provided answers on queries and questions by the bank appointed solicitors to enable them to have a better understanding of the debtors.

EDUCATION / TRAINING

Bachelor of Science (Estate Management), Abia State University 1996

Real Estate and Mortgage Institute of Canada Mortgage Agent Course (RMAC) August 2016

Training Programs

Relationship Marketing

Investrad Konsult Lagos (February 2001)

Remedial Management and Loan Recovery.

Strategy and Leadership Development Consulting Lagos (October 2009)

Marketing and Selling skills workshop

JMJ Consulting Lagos(May 2002)

Basic Credit: Principles, issues and application

Intercontinental Bank Plc Lagos(In House) 2007

Intermediate Credit Program

Pan African Associates England( June 2002)

COMPUTER SKILLS

Software applications: Internet Explorer, Microsoft Office (Excel, Word, and PowerPoint)

Operating Systems: Windows 7, Windows XP, Windows 2000

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