Open To Work
Winifred Ani
Scotiabank
HALIFAX,NS
Work Preference
Desired Job Title
Credit Solution AssociateClient AdvisorAccount Officer
Work Type
Full TimePart TimeContract WorkGig WorkConsultingVolunteerSeasonal Work
1
Language
1
Certification
16
years of professional experience
Results-driven Commercial Credit Solutions Associate with 7 years of experience in commercial banking and credit assessment. Skilled in assessing credit requests up to $5 million, analyzing financial statements, and structuring effective lending solutions. Delivers sound credit recommendations that align business growth with lending policies, while monitoring portfolios and collaborating across teams to maintain asset quality.
Work History
Credit Solution Associate
6 Years 6 Months- Financial Underwriting & Risk Assessment: Perform comprehensive credit analysis on commercial loan requests ranging between $1MM and $5MM across multiple industries. Spread and analyze financial statements, tax returns, and personal financial statements to determine accurate debt servicing capacity.
- Credit Writing: Prepare detailed credit memos and risk assessments, summarizing borrower's business model, industry risks, historical performance, and repayment capacity that facilitate sound credit decisions while balancing growth opportunities with prudent risk management. Ensure accurate input of the bank's Critical Data Elements (CDE).
- Risk Rating & Compliance: Test and validate risk ratings using the bank’s internal rating system, ensuring alignment with policy guidelines. Identify early warning signs of deterioration and recommend proactive risk mitigating strategies, and rating adjustments based on changing financial performance, industry trends, and macroeconomic conditions.
- Cross-Functional Collaboration: Serve as the primary liaison between Relationship Managers and Credit Administration. Assist Relationship Managers in structuring deals, work with Risk Managers to deliver credit decisions, collaborate with Legal for proper credit documentation, and work together with service team to ensure smooth service delivery to clients.
- Portfolio Management: Support portfolio quality through timely annual reviews, amendments, renewals, and ongoing risk monitoring.
- Collateral Evaluation, Security Documentation & Perfection: Lead the end-to-end collateral due diligence process for all new and renewed commercial facilities. Verify asset valuations, and review title reports, PPSR, and PPSA, to confirm first-priority security position. Prepare and review security documentation—including General Security Agreements (GSA), and personal guarantees—ensuring enforceability.
Client Advisor
1 Year 3 Months- Product Suitability & Risk Awareness: Analyzed customer profiles during service calls to identify spoken and unspoken needs, responsibly cross-selling banking products. Achieved a 40% conversion rate while maintaining a zero complaint record, demonstrating a commitment to ethical conduct over improper sales practices
- Operational Performance: Maintained a 90% call quality score in a heavily regulated environment, ensuring strict adherence to privacy regulations, call recording mandates, and disclosure requirements.
- Fraud Detection & Prevention: Handled 60+ inbound calls daily, consistently applying customer verification protocols. Identified and escalated 15+ suspected fraudulent calls by recognizing unusual call transaction patterns in the account.
- Behavioral Insights: Developed an intuitive understanding of borrower stress signals—verbal cues, payment avoidance language, and lifestyle change indicators—gathered during phone interactions. This frontline perspective now enables qualitative risk assessments during commercial loan underwriting, bridging the gap between raw financial data and human borrower behavior.
Account Officer
8 Years 5 Months- Small Business Portfolio Management: Managed a book of 80+ small business clients with annual revenues up to $2MM. Achieved "Top Performer" status for two consecutive quarters.
- BSA/AML Due Diligence: Ensured 100% complete and compliant loan application packages, including KYC, beneficial ownership documentation, and entity formation papers, strictly adhering to regulatory requirements prior to underwriting handoff.
- Market Outreach: Implemented targeted outreach strategies, resulting in increased client retention and acquisition rates.
Education
Master of Science - Accounting & Financial Economics
Bachelor of Science - Economics
Skills
Bank lending expertise
Strong financial analysis & risk assessment skills
Cross-functional teamwork
Collateral management
Organizational effectiveness
Excellent written and verbal communication skills.
Client relationship management
Languages
English
Full Professional
Certification
Moody's: Certificate in Commercial Credit
CFI: Financial Modeling and Valuation Analyst (Ongoing)
Timeline
Credit Solution Associate
Scotiabank
02.2020 - CurrentRead More
Client Advisor
Scotiabank
11.2018 - 02.2020Read More
Account Officer
Fidelity Bank Plc
03.2010 - 08.2018Read More
University of Essex
Master of Science from Accounting & Financial Economics
Read More
Caritas University
Bachelor of Science from Economics
Read More