Alhassane Diallo
Gatineau,Qc
Summary
As a Credit Risk Manager at Scotiabank, I oversee the indirect auto loan portfolio, ensuring compliance with regulatory and internal policies, and managing the credit risk exposure and performance. I have successfully implemented risk mitigation strategies, enhanced the credit decision process, and improved the portfolio quality and profitability.
I graduated from Oakwood University with a Bachelor's degree in Finance, where I developed a strong foundation in financial analysis, accounting, and economics. I have also gained valuable experience in sales, collections, and procurement, working for Bank of America and Scotiabank in various roles. I have demonstrated skills in sales processes, cold calling, banking, and customer service, as well as leadership, communication, and teamwork. I am passionate about applying my knowledge and skills to create value for the organization and the customers, and to pursue continuous learning and professional growth.
Overview
9
9
years of professional experience
Work History
Manager, Indirect Credit Risk
Scotiabank
04.2021 - 10.2023
- Supervises the adjudication of indirect loans and leases as well as preparing and escalating exception credits up to Team Leads / ACE
- Identifies potential improvements to Retail Lending processes and policies and provides recommendations to DFC Management and/or ACE
- Maintains the customer relationship, ensures good quality customer service, while ensuring the dealer understands the rationale behind declines or requests for more information
- First level of contact for issues/concerns from the dealer on specific loan/lease decisions
- Following specific disciplines relative to the business unit, e.g
- Legislative / compliance / regulatory requirements
Collections Advisor
Scotiabank
12.2019 - 04.2021
- Conduct payment collection activity to provide the bank with optimal delinquency ratios and loan losses
- Make sound decisions on accepting, rejecting or offering amended payment terms and settlements while conforming to bank policies
- Establish full responsibility for all payment or collection related inquiries, concerns, and/ or arrangements
- Offer different customer assistance tools in order to help bring customers' accounts up to date and minimize the risk of future delinquencies
- Amortizing/ deferring mortgages
- Restructuring auto loans/ unsecured credit cards and lines of credit
- Ensure the delivery of customer service fosters overall customer and business line/ department satisfaction
Procurement Manager
Institut René Lévesque
01.2018 - 09.2019
- Develop and monitor the execution of the Office's procurement plan within the approved budget
- Ensure the preparation of Bidding Documents (DAO)
- Ensure the quality of all technical specifications
- Organize and participate in tender opening and evaluation sessions with the Bid Opening Commission
- Oversee the establishment and notification of start-up service orders
- Produce a monthly report and contribute to the preparation of the quarterly Office's Financial Monitoring Report
- Ensure timely receipt of supplies, works and other services, as well as bail deposit management
- Ensure the establishment and maintenance of an archiving system including all necessary parts of the monitoring and execution of the contracts
Investment Promotion Assistant
Presidency of the Republic
07.2017 - 01.2018
- Promote private investment to local and foreign investors
- Scan and qualify potential investors from various incoming requests based on their credibility
- Organize meetings with potential investors and share with them the benefits of investing in Guinea
- Help investors fill out and complete all required paperwork to invest and settle in Guinea
- Involve the monitoring and evaluation service throughout the process
Account Manager
Tribeca Merchants
09.2016 - 05.2017
- Understanding and presenting point of sales software demonstrations to potential customers
- Prospect new businesses using a variety of networking techniques
- Developed and implemented sales strategy in order to achieve personal and corporate goals
- Completed and submitted timely and accurate documentation, including new account paperwork and sales reports
- Provided accurate and detailed proposals including hardware and processing service for customers
Senior Funding Specialist / Consultant
Capify
05.2016 - 09.2016
- Build real relationships
- Prospect, build and develop ongoing relationships with customers you will interact with over-the-phone and via emails
- Drive the entire sales cycle from targeting, proposing and gaining commitment to closing the deal
- Provide exceptional customer service before, during and after the sale
- Educate your clients on product alternatives, features and benefits as you help your contractors chose the best overall solutions for their skyscraper, retail development project or roadway
AVP Business Solutions Consultant / Clover Specialist
Bank of America Merchant Services
10.2014 - 04.2016
- New client acquisition / Managing existing clients
- Managed a portfolio of over 500 clients
- Managed 4 metro partnerships
- Helped clients grow and manage their businesses more effectively using different clover solutions (Clover station, clover mini, clover mobile and clover go)
- Provided payment solutions based on clients' needs
Education
Bachelor of Science - Finance
Oakwood University
Huntsville, AlabamaRoosevelt High School
Yonkers, New York06.2009
Skills
- Bilingual (English/ French)
- Over 9 years of work experience and adapt easily in a new environment
- Excellent organizational, customer service and time management skills
- Strong communication (oral and written) and listening skills with the ability to probe for additional details
- Strong problem-solving skills and ability to manage tasks to a project timeline and budget
- Strong Microsoft Office skills: Word, Power Point, Excel, and Outlook
- Proficient in Intralink, TCS, CACS, Salesforce, Betti and other CRM's
- Very determined and self-motivated with the ability to handle multiple tasks simultaneously under very limited supervision
- Goal and detail oriented, excellent interaction and interpersonal skills
- Excellent negotiation skills and able to handle conflicts
- Data Analysis
- Policy Implementation
Languages
English
Native or Bilingual
French
Native or Bilingual
Timeline
Manager, Indirect Credit Risk
Scotiabank
04.2021 - 10.2023
Collections Advisor
Scotiabank
12.2019 - 04.2021
Procurement Manager
Institut René Lévesque
01.2018 - 09.2019
Investment Promotion Assistant
Presidency of the Republic
07.2017 - 01.2018
Account Manager
Tribeca Merchants
09.2016 - 05.2017
Senior Funding Specialist / Consultant
Capify
05.2016 - 09.2016
AVP Business Solutions Consultant / Clover Specialist
Bank of America Merchant Services
10.2014 - 04.2016
Bachelor of Science - Finance
Oakwood University
Roosevelt High School
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