JERRY JOHN OCRAN

Credit Risk Analyst

+1-917-***-**** ad2eg0@r.postjobfree.com www.linkedin.com/in/ocran New York, USA PROFESSIONAL SUMMARY

Working 8 years in the Financial and Marketing industries, I have chosen a career path as Credit Risk Analyst exploring the knowledge in financial statement analysis, risk assessment, evaluating loan applications, and evaluating creditworthiness of clients. Through the last years and many full-time responsible career roles in Germany, Ghana and in the United State, I am able to assess creditworthiness of borrowers, develop credit policies and procedures, and analyze financial statement. SKILLSS

• Customer Relationship Management (CRM) software: Salesforce, Budgetary Management, Financial Data Analysis, Microsoft office (Excel, Word & Power point), Python & R programming, SQL, Power BI, Tableau, data visualization.

• Strong analytical skills, detail-oriented, excellent presentation and communication skills, problem-solving skills etc. PROFESSIONAL EXPERIENCE AND ACHIEVEMENTS

October 2022 – November 2023: Credit Risk Analyst (Internship) UniCredit Bank AG Düsseldorf – Germany

• Implemented credit risk assessment models that reduced the organization’s bad debt write-offs by 30%.

• Developed credit policies and procedures which reduced credit losses by 25% within 6 months in 2023.

• Performed financial reviews to determine creditworthiness of borrowers and assessed the probability of default.

• Ensured that all credit extensions are made in compliance with lending policies and regulatory guidelines.

• Interacted with loan applicants, brokers, and attorneys in person, through e-mail and over the phone. August 2019 – September 2022: Data Scientist/Analyst Gorilla Berlin - Germany

• Wrote SQL and Python Scripts for Data Warehousing, extracted, transformed, and loaded data, (ETL) writing.

• Created models with data, calculated metrics, documented and reported findings for executive decision making.

• Built Dashboard, Visualized data to support business operations.

• Processed, cleansed, and verified the integrity of data used for analysis.

• Performed ad-hoc analysis and presented results in a clear manner. June 2017 – July 2018: Business Development & Sales associate Cuisine of Asia (COA) Hamburg – Germany

• Identified, and executed growth strategies leading to 35% growth of company's customer base and revenue.

• Built and maintained relationships with clients, partners, and key stakeholders resulting in a 20% sales growth.

• Facilitated effective communication, and collaboration that lead to 15% decrease project timeline.

• Explored new business strategic opportunities which generated $300, 000 sales and revenue growth in 2018.

• Provided administrative and project support for both sales’ leadership, vendors, and sales team. May 2011 – August 2014: Area Account Developer Mobile Telecommunication Corporation/MTN Group Cape Coast – Ghana

• Improved sales output by 25% through effective management of sales operations team.

• Managed marketing and financial budget resulting in an increase of 50% brand awareness and visibility.

• Recruited, trained, and effectively managed sales operations team.

• Supervised all aspects of sales operations, including sales planning, and improved customer experiences. EDUCATION AND CERTIFICATION

2024 (Expected): FinTech certification & Business Intelligence and Data Analyst; Corporate Finance Institute - Online. Certified Salesforce Administrator Certification (Scheduled for April 2024); Trailhead- Online. September 2022: Master of Science, International Business Administration; European University of Viadrina - Germany & University Of Vaasa- Finland.

June 2017: Master of Science in Finance (Degree in Financial Investment and Risk Mgt.); University of Siena – Italy. May 2011: Bachelor of Science Mathematics and Business Administration; University of Cape Coast – Ghana.

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