Oluwatosin Faola

Mobile: 301-***-**** • Email: ad2iqc@r.postjobfree.com

CAREER PROFILE:

A highly competent finance professional with more than 7 years of progressive credit analysis and financial reporting experience in various sectors with specialization in finance and manufacturing industries. A proactive team player with the ability to communicate complex information in an easily understood manner to upper management to achieve result in a timely manner. Also possess the ability to adapt quickly to new environment and multi-task under pressure to achieve set goals.

SKILLS:

• Financial statement analysis – profitability, cashflow and debt service capacity

• Knowledge of accounting principles and procedures (GAAP)

• Strong analytical and efficient time management skills

• Credit risk management

• Financial risk management

• Credit report: D&B, PayNet, Experian as well as Moody’s

• Advance use of Microsoft Office applications e.g. Excel, VBA, Word and Access

• Software: SAP, Tableau, Power BI & QuickBooks

• Financial modeling, budgeting and forecasting

EDUCATION:

Master of Science in Finance April 2017

Southern New Hampshire University, Manchester, NH

Bachelor of Science in Economics November 2011

Bells University of Technology, Ota, Ogun State

CERTIFICATIONS:

Candidate for CFI’s Financial Modelling and Valuation Analyst (FMVA)™ PROFESSIONAL EXPERIENCE:

Merchants Fleet March 2020 – Present

Senior Commercial Credit Analyst

• Review, evaluate, approve & or recommend commercial credit requests within delegated authority of commercial/lease loan requests for existing and new customers.

• Analyze financial statements, tax returns, commercial and consumer credit reports and other sources to evaluate customers’ credit worthiness.

• Supports credit decisions with scoring model and supplementary data from commercial and personal credit reporting agencies and various web resources including, but not limited to, D&B, Experian, Moody’s, S&P, Fitch, and SEC filing.

• Negotiates complex credits and guarantee instruments such as letters of credit and corporate guarantees to obtain favorable lease structures that win business without compromising credit standards.

• Performs portfolio maintenance responsibilities such as the preparation of annual credit file reviews, monthly credit exposure report as well as workouts on troubled accounts.

• Work with the legal team to ensure documentations are executed and stored properly and maximize recoveries in the event of bankruptcy.

• Provide ad-hoc reporting and work on special projects, as requested by management. Fidelity Investments September 2018 – February 2020 Relationship Manager– Defined Contribution (Participant services)

• Developed and updated financial and statistical information to assist management and business partners in analyzing and reporting results.

• Collected, consolidated and validated information to support business decisions.

• Effectively communicating and educating customers on their retirement plans as well as uncovering hidden client needs through effective questioning.

• Analyze and execute transactions in an accurate and seamless manner.

• Communicating with operations to resolve customer inquiries.

• Actively participating in quality improvement process that enhances excellent customer service.

• Effectively utilizing and navigating internal resources to arrive at the right solution for the client e.g. online resources, business partner relationship and computer systems.

• Resolving technical problems and escalating concerns appropriately when necessary. Philips Health Care October 2017 – May 2018

Credit Risk Analyst -Accounting Operations

• Analyzed, processed, and managed portfolio of healthcare customers to maintain appropriate risk classification and credit limits based upon a variety of financial and non- financial factors.

• Accurately spreads and analyzes financial statements and incorporates relevant financial metrics into credit reviews.

• Utilized D&B, PayNet, and Experian to examine trade history of companies in a variety of industries to external vendors.

• Approved or declined credit request as well as assigned credit limits to the tune of $1M and risk categories to Philips customers using a defined approval matrix.

• Ensured recorded information is accurate to make an informed decision based on the result of analysis.

• Obtained summary of bank statement, letter of credit or bank guarantee to serve as security in the event of credit default.

• Filing of Uniform Commercial Code (UCC) involving small business with insufficient credit data.

• Work with collections and sales teams in ensuring payments of past obligations to reduce credit exposure of assigned portfolio.

• Utilized data visualization tools to make clear and concise visual representations of data to senior credit managers.

Fidelity Investments May 2017 – September 2017

Financial Operations Representative- Transfer Agent Account and Control

• Processed manual adjustments of mutual funds to ensure and reflect proper reporting of share price and ending share balances of funds (NAV).

• Reconciled of mutual funds to ensure that transfer agent outstanding shares corresponds with reported fund outstanding shares.

• Served as a link between downstream business partners and distribution channels to research shareholder activity and validate transaction entries.

• Researched and resolved exceptions that may have impact on Fidelity mutual funds.

• Communicated accurate fund information to TAAC business partners in a timely and efficient manner via the use of various external and internal system applications. United Bank for Africa, Plc. Lagos, Nigeria Dec 2011– March 2016 Credit Underwriter

• Analyzed credit for commercial loans and underwrite residential loan requests with adherence to company lending guidelines.

• Accurately assessed cash flow, capacity, collateral and all major risks associated with the formulation of a decision to grant credit facilities to applicable lending customers.

• Approved and declined loan applications within established guidelines and credit authority

• Work with Relationship Managers and Credit Officers to assess credit opportunities, identify key risks and structure alternatives

• Extensive use of Bloomberg and Capital IQ to conduct research on borrowers and industries.

• Reviewed appraisals to determine acceptability of collateral for all loans.

• Performed periodic review of client profitability models to ensure accuracy and that all substantial variances are identified and reviewed with senior management.

• Keep abreast of all underwriting guidelines and fair lending compliance policies and act as a resource to processing for structuring possibilities.

• Increased branch profitability by 15% as a result of approval and implementation of Bank Guarantee in the amount of $500,000.

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