Credit Risk Manager

DANIEL ADOMAKO-NYANTAKYI

E-Mail: ******@*****.*** Telephone: +1-973-***-****

Executive Summary

Education

Skills and Competencies

Results oriented, highly motivated experienced Banker with over 12 years banking experience in Credit Evaluation, Credit Sanctioning, Deal Structuring, Credit Policy formulation, Account and Portfolio Management, Relationship and Project Management.

Excellent communicator and team builder with experience in coaching junior colleagues in fulfillment of organizational goals

Oversee adherence to policy and standards and ensure first line credit/risk officers and managers are appropriately performing due diligence and that identified risks are within the bank's defined risk appetite.

Ability to interact at senior level in fulfillment of organizational goals

Credit Risk Certification(s)

Advanced Commercial Lending, certified by London School of Banking and Finance (UK)

Commercial Lending, Certified by London School of Banking and Finance (UK)

Academic Qualifications

2002-2006, Central University College -- BSc. Banking & Finance

May - Sept. 2000, Institute of Commercial Management, UK-- Information Processing (Single Subject Dip. in IT))

Risk Management Assessment

Financial analysis

Communication and stakeholder management skills

Strategic thinking and decision making

Corporate Governance

Portfolio Analysis

Negotiation and Networking skills

Presentation skills

Work Experiences

May 2024 – Date (Capital One Bank)

Senior Credit Risk Analyst

Key Responsibilities

Proactively manage risk management initiatives, tasks, and activities in order to reduce the residual risk within the business

Identify and assess the impact of the changing regulatory environment on business objectives and risk appetite;

Analyse data to proactively identify risks and trends and provide insights that support internal customers in decision-making;

Provide guidance and advice to business partners on implementing risk policies and programs;

Drive collaboration between the risk, compliance, legal, and other business support functions;

Ensure independent escalation of risk management gaps, issues, and concerns to executive management and when appropriate, the Board of Directors, including emerging risks and regulatory focus

Coordinate the delivery of materials requested in audits and exams, coordinating with various stakeholders across the lines of defence

Act as issue manager on events and issues related to the business, including project management of remediation activities.

May 2021 – June 2024 (Absa Bank Ghana Ltd, formerly Barclays Bank)

Senior Credit Manager (VP)

Key Responsibilities

Supports or oversees the credit approval process and accountable for overall portfolio performance and asset quality. Credit assessments led to an increase in the loan portfolio and bottom-line profits of the Bank throughout the period.

Oversees adherence to policy and standards and ensures first line credit officers and managers are appropriately performing due diligence that the risk is within the bank's defined risk appetite, using knowledge of stress testing and its applicability to credit risk

Responsible for ongoing monitoring of financial condition of obligors, credit analysis, financial statement analysis, covenant compliance, and collateral valuations (when applicable)

Monitors for adherence to industry risk governance, as well as monitoring for potential operational, reputational and market risk issues

Identifies risks early that could impact the assigned portfolio and coordinates with business counterparts to resolve portfolio issues

Manage credit associates by providing inspection, coaching and feedback to motivate, differentiate and improve credit performance.

Collaborated with risk analytics and technology groups on model implementation and testing

Leveraged on technology and data for models and analysis of business and credit.

August 2015 – December 2021 (Barclays Bank Ghana Ltd)

Corporate Credit Manager (AVP)

Key Responsibilities

As Corporate Credit Manager, I was a Credit expert to nominated Relationship Managers working with a defined portfolio of high value, complex and sophisticated customer connections, acting as the conduit to Credit for sanctioning (approval) purposes:

Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity.

Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency.

Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.

Ensure to maintain a strong credit culture and the highest standards and strictly adhere to applicable credit policies

Develop practical and appropriate credit solutions (namely, Lending Structures) through understanding customer's needs.

Ensure the quality of credit portfolio is maintained within acceptable parameters as defined by the group and local business strategy

Monitor and report excesses, breach of limit terms, early warning indicators and ensure that all such accounts are managed as per laid down procedures

Feb 2007 – July 2015 (Standard Chartered Bank Limited –Accra)

Credit Analyst

Key Responsibilities

Initial customer risk assessment, credit rating and prospective loan assessment through Debt Income Ratio analysis

Coordinating with Team Manager, Business Development Manager (BDM) and Value Centre General Manager for Corporate Scheme profiling and signing.

Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity.

Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency.

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