Credit Risk Analyst

UCHENNA IWUOHA

Greater Atlanta • 678-***-**** • ***************@*****.***

PROFESSIONAL SUMMARY

Analytical and detail-oriented professional with over 5 years of experience in credit risk assessment, financial analysis, loan servicing, and client relationship management. Proven ability to assess borrower risk, ensure compliance with lending guidelines, and manage credit portfolios across consumer and business markets. Strong background in analyzing financial statements, mitigating default risk, and optimizing underwriting workflows.

CORE COMPETENCIES

Credit Risk Assessment & Underwriting

Loan Processing & Servicing

Financial Statement Analysis

Risk Mitigation Strategies

KYC/AML Compliance & Documentation Review

Credit Scoring Models & Data Analysis

Customer Communication & Issue Resolution

CRM & Data Tools: Excel, SPSS, Salesforce

Portfolio Monitoring & Delinquency Reporting

Stakeholder Collaboration & Cross-functional Support

PROFESSIONAL EXPERIENCE

Underwriting / Credit Risk Analyst

Swift X logistics March 2024 – Current

Conduct detailed financial analysis reviewing statements, bank records, credit reports, and collateral to determine credit exposure limits.

Ensure due diligence through documentation, KYC/AML compliance, and internal policy adherence .

Monitor outstanding shipments and accounts receivable, identifying triggers such as aging invoices and high-risk counterparties

Implement risk controls such as reserve requirements, stop-lists, and credit hold actions where necessary

Serve as the primary contact for credit-related inquiries, facilitating communication during underwriting and collections

Identify opportunities to streamline underwriting and monitoring processes with automation or enhanced analytics .

Assist in developing credit scoring tools or templates to standardize evaluations

Credit Risk Analyst

Money in Minutes Finance Company (MIM) Jun 2021 – Mar 2023

Analyzed borrower creditworthiness by reviewing income documentation, bank statements, and credit history to inform lending decisions.

Collaborated with underwriting team to ensure loan packages met internal policies and regulatory compliance (KYC/AML).

Conducted periodic risk assessments and credit reviews, identifying high-risk accounts and recommending mitigation steps.

Responded to customer inquiries and resolved issues related to loan terms, approvals, and collections.

Produced detailed reports on payment behavior, delinquency trends, and credit performance for senior leadership.

Supported internal audits by ensuring accurate documentation and tracking of all credit files.

Sales Project Manager (Credit & Client Focus)

Perplon Services Limited Aug 2018 – Jun 2021

Oversaw sales-to-credit pipeline for B2B clients, ensuring proper vetting and financial screening before onboarding.

Created client profiles based on financial health and payment behavior, reducing default risk by 30%.

Worked closely with finance and operations teams to resolve late payments and update credit terms.

Reviewed customer purchase patterns and credit exposure to inform project planning and pricing.

Tracked portfolio performance metrics and initiated risk flags on high-volume accounts.

Client Relationship Manager

Heritage Bank Company Jul 2015 – Jun 2018

Managed over $400M in deposit liabilities and $120M in credit portfolios, ensuring timely repayment and compliance with loan covenants.

Conducted customer credit evaluations and supported loan structuring for individual and SME clients.

Maintained accurate records of customer risk profiles and facilitated the onboarding of low-risk clients.

Reduced delinquency rates through proactive client engagement and repayment rescheduling.

Collaborated with credit and compliance teams to align offerings with regulatory standards.

EDUCATION & CERTIFICATIONS

MSc, International Business – Coventry University, UK (2013–2014)

BSc, Economics – Veritas University, Nigeria (2008–2012)

Introduction to Cybersecurity – Cisco Networking Academy

PMI Project Management Essentials (in progress)

Sustainability Training – International Finance Corporation

TECHNICAL SKILLS

Financial Tools: MS Excel (Advanced), SPSS, PowerPoint

CRM / Credit Systems: Salesforce, Excel modeling, MS Access

Analytics & Reporting: KPI Dashboards, Risk Heatmaps, Delinquency Reports

Soft Skills: Analytical Thinking, Attention to Detail, Communication, Confidentiality

Contact this candidate