Credit Risk Analyst
Resume:
ADEKOYA, Adekunle David
:
acud6b@r.postjobfree.com
Phone
:
Address:
No 9, Soji Adediji Str, Off Kajola Mkt, Berger Lagos
Career Objective
A multi-skilled professional with a superb track record of managing complex Credit functional projects in various environments.
Able to manage stakeholder expectations and willing to take full responsibility for the delivering of Credit project objectives.
Adekunle has deep knowledge of Risk Management and enjoys challenges and diverse roles and is confident working with technical experts from any industry. Presently looking to join a company that rewards effort and initiative whilst at the same time providing plenty of progression and development opportunities to its employees.
Personal Information
1.Date of birth: 20th June, 1985
2.Sex: Male
3.Marital Status: Married
Skills Highlights
1.Judgement & Decision Making Skills
2.Critical thinking and Quality control analytical Skills
3.Effective Communication, Marketing and Selling Skills
4.Leadership ability Skills
5.Problem Solving Skills
6.Risk Management
7.Marketing/promotions, team leadership and commercial negotiations
8.Powerpoint Presentations, Excel and Microsoft Office Project Skills
9.Credit/Financial Analytical skills
10.Excellent customer service skills
Project Accomplishments
1.Integration of the Retail Exception Software into the UBA finnone platform to enhance our Credit transactions.(United Bank for Africa).
2.Creation of a Credit Installmental payment plan for frequent travelers on Airline/Travel Products(Wakanow Travels).
3.Involved in the Wakanow-Skyebank Travel Loan Financing to Cat A & Cab B customers of the bank.
4.Involved in the recruitment process of DSAs towards achieving our global target (Wakanow Travels)
Work experience
Wakanow.com February 2014 Present
HEAD, CREDIT OPERATIONS/MANAGEMENT (RISK MGNT DEPARTMENT)
1.Create instalment program assistance to customers who intend to secure their Hotel through our Credit Scheme.
2.Manage the company’s existing client while converting leads to our Credit Programmes.
3.Drive the entire Sales/Marketing for the department while looking for more diverse opportunities for the company.
4.Oversee the overall Credit Operating processes of the company.
5.Constant review of the company's Credit limit to ensure that we do not exceed the global credit limit .
6.Direct all operational aspects of the department (Customer Service, Portfolio unit, General Administration, etc) in a manner that supports the achievement of the organization’s responsibility and goals.
7.Ensures that the organization’s vision is fully understood, interpreted and translated into achievable operational plan.
8.Provide training, coaching, development and motivation to bring out the best in each team member
9.Drive the development and implementation of the service plans for the organization
10.Intermediary support between the company and our approved banks on Credit related Matters.
11.Provide advisory support to the management on Credit related matters.
12.Perform credit checks on customers willing to buy the company's travelling packages via our Credit Scheme.
13.Running queries on Airline Tickets through Airline Reservation System/Amadeus {GDS & Farelogix}.
14.Set-up PSS pricing/risk acceptance criteria to enhance our risk management processes
15.Developing/Implementation of various Credit Strategies/Policies to further increase the company’s PSS portfolio.
16.Data capturing of all PSS requests treated on Sea-Edge Accounting Software.
17.Provide operational reports (weekly, Monthly, Ad-hoc) as required to the Chief Executive Officer of the organization
18.Identification of inherent risks in a given credit request in addition to mitigating those risks or creation of a better alternative channels.
19.Facilitate trainings across board, new staff on changes/modifications of the PSS product.
Standard Chartered Bank March 2013 January 2014
CREDIT UNDERWRITER (RISK MANAGEMENT & FINANCE DEPARTMENT)
1.Daily review of Consumer/Mortgage loan & Credit Card request bank wide.
2.Telephone conversation with applicants to ascertain/verify information stated in the loan application forms.
3.Identification of inherent risks in a given credit request in addition to mitigating those risks or creation of a better alternative channels.
4.Analyze and verify customer's application to determine the client's creditworthiness.
5.Telephone verification of customer, employer and referee details with respect to all lending Asset products.
6.Also involved in field verification for all Mortgage lending Products.
7.Assist in Operations/Compliance management.
8.Explain to customers the different type of loans and credit options that are available as well as the terms of those services.
9.Maintain adequate MIS of all applications received and time verified Field Verification of customer's office and residence address, where applicable.
10.Ensuring efficient filing system for unit Verify key information form for each customer and maintain a log of call details.
Yinotec Ventures (Building Contractor} March 2012 February 2013
PROJECT ACCOUNTANT (FINANCE DEPARTMENT)
1.Responsible for the processing, reviewing, tracking and general ledger posting of construction draws for multiple projects.
2.Maintaining payments draw files and invoice files.
3.Communicate with project managers, vendors, and external parties to manage draw request/requirements.
4.Communicate with external clients and lenders to manage funding and draw requests.
5.Perform/review bank account reconciliations and assist with corporate balance sheet reconciliations and other corporate monthly internal management reports.
6.Calculate and invoicing of general contracting fees and allocates payrolls to projects.
7.Responsible for Construction accounts receivable tracking, management and reporting.
8.General accounting including accounts receivable, account payable, payroll, job costing and general ledger posting.
9.Process account payable from invoice to payment, beginning with coding invoices to the appropriate job number, cost code, GL account number and distributing invoices to project managers for approval.
United Bank for Africa April 2007 February 2012
CREDIT RISK ANALYST (RETAIL RISK MANAGEMENT DEPT)
1.Review of Credit Analysis Memorandum and Credit Decision Request Memorandum in line with the credit policy of the bank.
2.Recommendation to the ECC, BCC, Board of Directors, Group managing Director, through the Chief Credit Officer for credit approval within their respective limits.
3.Repackaging/re-alignment of credit request in line with best-fit purpose.
4.Constant review of existing product papers to match competitive offering as well as economic conditions.
5.Identification of inherent risks in a given credit request in addition to mitigating those risks or creation of a better alternative channels.
6.Serves as an agent in monitoring risk asset accounts in various branches within the South Bank.
7.Matching performance with set covenants and Expanding knowledge on employee relations and relationship management.
8.Daily review of Consumer/Mortgage loan exceptional request approval bank wide.
9.Provide adequate support to biz offices by attending to complaints/enquiries on Credit related matters.
10.Review and assessment of company's financials for enlistment purposes as UBA approved counterparties.
11.Participated in the deployment of cross-functional Credit software projects.
12.Identification of critical risks in credit & providing alternative routes by restructuring the request to make them viable.
13.Review & Analyzing of Corporate/Commercial Credit, Cooperative and Union lendings.
14.Scoring and Rating of Company through its financials with the help of Moodys.
15.Organizing Credit Training across Business Offices in Nigeria
Education
BSC in Accounting
September 2008 August 2011
Imo State University
Obtained the Bachelor's degree with Second Class Upper
OND in Accounting
July 2001 September 2005
Federal Polythecnic Ede
Obtained the Ordinary National Diploma with Upper Credit
Executive MBA in Project Management
March 2015 – July 2015
Bristish School Of Project Managementt UK
Obtained the Executive Master with Distinction
Specialization Qualifications
1.Fundamentals of Project Management and Planning-(Distinction)-University of Virginia (Specialization Course)
2.Fundamentals of Hotel Distribution-(Distinction)-ESSEC Business School (Specialization Course)
3.Fundamentals of Revenue Management-(Lower Credit)-ESSEC Business School (Online Course)
4.Diploma in Human Resources Management(HR for People Managers)-(Distinction)University of Minnesota
Professional Affiliations & Trainings
1.Basic Accounting Programme & Packages - H. Pierson
2.Basic Credit Training-H.Pierson-CERTIFIED
3.Personal Effectiveness & Attitude Re-orientation - JMJ Consulting
4.Basic Banking Operations - Centennial Capital Ltd.
5.Leadership Effectiveness & Marketing Skills-Leadership Dev. Consulting Customer Service Excellence
6.Credit Risk Mgt & Retail Lending Dynamics
7.Credit Monitoring / control and other weekly training organized by the UBA group.
8.Global Project Professional Society (United Kingdom)-MEMBER
Professional Body
Global British Project Professionals-(2015)
Awards/Recognitions
1.UBA 2010 CEO AWARD-BEST CREDIT STAFF OF THE YEAR.
2.WAKANOW 2014 BEST CUSTOMER CENTRIC STAFF OF THE YEAR.
3.2015 DUBAI TOURISM CENTRE BOARD FAM TRIP PARTICIPANT.
Other Skills
1.Good track record of managing complex multifunctional projects in various environments.
2.Creating effective, informed and highly motivated teams focused on delivery.
3.Comprehensive understanding of project management methodologies.
4.Experience of working with sponsors, stakeholders, and solution providers.
5.Superb customer facing skills
6.Producing and delivering project documentation, e.g. user manuals and support
7.Managing and supporting the testing and implementation of business initiatives
8.Experience of sales, new business or marketing projects.
9.Conflict management and prioritization skills.
Interests
Music, Reading, Travelling
Contact this candidate