PHILIP ODOEMENA McKinney, TX 750**-***-*** **** ad3k5b@r.postjobfree.com

EDUCATION

Master of Business Administration: Finance, 1985

Prairie View A & M University - Prairie View, TX

Bachelor's Degree: Economics, 1982

Concordia University - Montreal, Canada, Canada

WORK HISTORY

CREDIT RISK MANAGER 07/2016-08/2023

Kingsway Medical Systems, Richardson, TX

Evaluated clients' credit data and financial statements to determine the degree of risk involved in lending.

Structured complex transactions and negotiated complex credit documentation to mitigate risk.

Reviewed credit risk and reward strategy and recommended optimizing risk-return characteristics.

Took charge of implementing secured online payment methods and effectively reducing chargeback risk.

Prepared monthly and quarterly financial reports and coordinated and conducted meetings with the firm's credit committee.

Analyzed clients' financial status and credit and offered solutions to financially stressed firms.

Obtained and reviewed credit reports, references, insurance, and financial statements to establish credit limits for new accounts.

Obtained and interpreted financial statements to assist in credit limit reviews.

Devised collection recovery strategies to resolve customer issues and delinquent cases.

Participated in strategic projects to support business goals.

Developed and maintained a deep understanding of the industry and assigned a portfolio of clients to assess risk solutions.

Adhered to banking standards and government lending guidelines for loan services.

Portfolio Manager: 04/2010 to 06/16

Federal National Mortgage Association (Fannie Mae)

Dallas, TX

Professional experience advising clients on effective portfolio optimization that reduces real estate costs that boost Healthcare organization margins.

Responsible for the Southwest Region on strategic acquisitions, sales, and profitability.

Possess deep working knowledge of our solutions, including, but not limited to, packaging mortgages into mortgage-backed securities (MBS).

Focused Healthcare Services Relationship manager providing financial advice, liquidity, and housing market stability.

Developed and prepared complex financial and accounting reports, monthly and annual financial reports, research records, and other data. Performed analysis or reconciliation to produce accurate, complete, and timely information.

Manage sales and operations strategies for a portfolio of multi-mortgage organizations while meeting targeted budgeted financial goals.

Participates in due diligence on examining and evaluating risks affecting Fannie Mae’s financial transactions.

Keep up with healthcare-changing regulatory environments.

Serve as a resource person to external and internal organizations for portfolio management and financial reporting.

CREDIT RISK MANAGER 07/2004-03/2010

Kingsway Medical Systems, Richardson, TX

Evaluated clients' credit data and financial statements to determine the degree of risk involved in lending.

Structured complex transactions and negotiated complex credit documentation to mitigate risk.

Reviewed credit risk and reward strategy and recommended optimizing risk-return characteristics.

Took charge of implementing secured online payment methods and effectively reducing chargeback risk.

Prepared monthly and quarterly financial reports and coordinated and conducted meetings with the firm's credit committee.

Analyzed clients' financial status and credit and offered solutions to financially stressed firms.

Obtained and reviewed credit reports, references, insurance, and financial statements to establish credit limits for new accounts.

Obtained and interpreted financial statements to assist in credit limit reviews.

Devised collection recovery strategies to resolve customer issues and delinquent cases.

Participated in strategic projects to support business goals.

Developed and maintained a deep understanding of the industry and assigned a portfolio of clients to assess risk solutions.

Adhered to banking standards and government lending guidelines for loan services.

Loan Originator: 08/2000-06/2004

GMAC Mortgage, Irving, Texas.

Presentation of mortgage loan programs to homebuyers

Product presentation to builders, closing agents, and title companies.

Analyses of creditworthiness and repayment abilities

Identifies potential clientele by way of cold calls.

Applied company guidelines to pre-qualify potential home buyers.

Collected information from banks, institutions, and employers to assess applicant eligibility.

Resolved discrepancies between borrowers, lenders, and financial institutions with detailed orientation and efficiency.

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