BOLAJI SOLAJA

Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 6 years of resolving credit disputes and making recommendations on bad debt accounts. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.

Work History

2019-06 - Current

TEAM LEAD CREDIT RISK & COMPLIANCE

Bridge Credit Ltd

●Manage company’s loan portfolio using basic tools like Microsoft Excel to determine the loan performance, portfolio at risk and loan recovery success rate .

●Assess enterprise loan portfolio and determine the portfolio at risk.

●Ensure all transactions are in compliance with the bank’s procedures.

●Draw up action plans to be taken to recover loan in arrears.

●Reviewed customer files on regular basis to make sure receivables were in sound condition.

●Conduct financial review of customer lines of credit by assessing company financials and initiating credit collection processes.

●Ensuring that company’s transactions are in line with government’s Anti-Money Laundering and Countering Terrorism Financing policies.

2018-09 - 2019-01

SENIOR CREDIT RISK & COMPLIANCE ANALYST

Swiss Credit Ltd

●Manage company’s loan portfolio, determining portfolio at risk and coming up with measures to recover bad loans.

●Evaluated customer credit data to determine level of risk involved in money lending.

●Placed customer accounts on hold due to past due payments.

●Check compliance of credit application in line with company’s loan policy.

●Analyse customer data such as financial statements to determine level of risk involved for extending credit.

●Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.

●Improved understanding of financial statements, which helped in assessing risk.

●Determine unseen risks and proposing possible mitigation of the risk.

●Preparing disbursement tickets for the loans.

2015-07 - 2018-06

CREDIT RISK ANALYST

ASSOCIATE TEAM LEAD/CREDIT ANALYST

●Responsible for managing SME client with higher loan amount.

●Deputy team leader monitoring performances of team members and ensuring targets are met.

●Chairing credit committee sessions and approving loans for disbursement.

2013-07 - 2015-06

SENIOR RELATIONSHIP OFFICER

AB MFB, Apapa, Lagos State

●Submit loan applications to underwriter for verification and recommendations.

●Maintained strict confidentiality of bank records and client information.

●Originate, review, process, close customer loan proposals.

●Compliance with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering.

●Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.

2012-06 - 2013-07

JUNIOR RELATIONSHIP OFFICER

AB MFB, Lagos State

●Submit loan applications to underwriter for verification and recommendations.

●Maintain strict confidentiality of bank records and client information.

●Originate, reviewe, processed, clos and loan proposals.

●Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.

Education

2010 - Current

ACCA Diploma: Accounting&Business (in View)

2005- 2008

Bachelor of Science: Industrial Technical Education

University of Nigeria Nsukka - Enugu State

2019

RISK MANAGEMENT (ONLINE)

International Business Management Institute - Berlin, Germany

2000 - 2004

NationalCertificateinEducation(NCE): Career and Technical Education

Federal College of Education {Tech) - Akoka, Lagos State

Languages

Yoruba

Excellent

English

Excellent

Hausa

Good

Igbo

Good

Contact

Address

Lagos State

Phone

080********

E-mail

adsaqt@r.postjobfree.com

Skills

Financial statements expertise

Excellent

Credit risk

Excellent

Credit decisions

Excellent

High risk account reviews

Excellent

Data analysis

Excellent

Verbal and written communication

Excellent

Lending regulations

Excellent

Commercial and consumer clients

Excellent

Credit programs

Excellent

Teamwork

Excellent

Data management

Excellent

Leadership

Excellent

Customer Service

Excellent

Planning and Coordination

Excellent

Contact this candidate