Dami OSISAMI, MRM, BA
Scarborough,Canada
Summary
- Achieved a 97% repayment rate by leveraging advanced risk assessment tools such as Credit Bureau and Moody’s Analytics to conduct detailed credit assessments and improve portfolio health.
- Reduced SLA breaches by 25% through the implementation of streamlined credit workflows, utilizing Data visualization tools (Power BI and Tableau) and Excel automation to enhance operational efficiency.
- Aligned credit initiatives with business objectives by fostering cross-functional collaboration, resulting in improved loan approval accuracy and increased client satisfaction.
Overview
5
5
years of professional experience
Work History
Credit Analyst
First Bank of Nigeria
11.2022 - 12.2023
- Optimized Credit Risk Assessment: Designed and implemented a risk evaluation framework, reducing high-risk loan approvals by 30% and improving overall portfolio quality
- Streamlined Loan Origination Processes: Leveraged advanced Excel tools, including VLOOKUP and DAX, to automate credit data analysis, reducing loan processing time by 25% and enhancing operational efficiency
- Enhanced Accounts Receivable Management: Implemented proactive monitoring systems for receivables, leading to a 25% reduction in overdue balances and improving cash flow for corporate clients
- Increased Lines of Credit Utilization: Conducted in-depth credit reviews and risk analysis for lines of credit, resulting in a 20% increase in utilization rates and an 18% growth in interest income
- Elevated Portfolio Performance: Improved portfolio health by maintaining a 98% repayment rate and reducing non-performing loans by 15%, ensuring a robust credit portfolio
- Improved Customer Retention Through Loan Restructuring: Negotiated and restructured loans for distressed borrowers, preserving 85% of high-value clients and preventing portfolio impairments
Credit Analyst
United Bank of Africa PLC
08.2018 - 10.2022
- Boosted Mortgage Lending Success: Conducted thorough credit analysis, resulting in a 40% increase in mortgage approvals and contributing to a 15% growth in market share
- Enhanced Reporting Accuracy: Developed interactive financial dashboards using DAX to analyze credit performance, increasing report accuracy by 40% and providing actionable insights to senior management
- Maximized Credit Card Revenue: Designed cross-selling strategies that increased credit card uptake by 35%, driving a 20% rise in annual fee revenue while maintaining risk-adjusted returns
- Improved Debt Recovery Efficiency: Spearheaded a debt collection initiative, recovering 95% of overdue accounts within three months, significantly reducing delinquency rates
- Enhanced Customer Support: Resolved complex credit-related inquiries for clients, achieving a 97% customer satisfaction rating, while fostering long-term relationships and repeat business opportunities
- Enhanced Credit Risk Analysis: Utilized financial ratios such as debt-to-income (DTI) and interest coverage ratio (ICR) to evaluate borrower creditworthiness, achieving a 97% repayment rate and minimizing credit losses
Education
Certificate - Business Analysis
Cambrian College of Applied Arts and Technology
10.2024
Master - Risk Management
University of Lagos
11.2023
Bachelor of Science - Economics
Olabisi Onabanjo University
12.2016
Skills
- Time Management: Prioritized and managed multiple credit applications, ensuring all deadlines were met with a 100% on-time completion rate
- Adaptability and Continuous Learning: Quickly adapted to evolving regulatory frameworks and implemented changes, maintaining full compliance across all credit operations
- Interpersonal Skills: Collaborated effectively with cross-functional teams to align credit initiatives with organizational goals, driving portfolio growth by 10%
- Attention to Detail: Ensured accuracy in all loan documentation, maintaining a 100% compliance record during audits
- Analytical Thinking and Problem Solving: Resolved complex credit issues by identifying root causes and implementing tailored solutions, minimizing default rates by 15%
- Effective Communication: Presented credit risk findings and recommendations to senior management, securing approval for high-value loans totaling $5M
Timeline
Credit Analyst
First Bank of Nigeria
11.2022 - 12.2023
Credit Analyst
United Bank of Africa PLC
08.2018 - 10.2022
Certificate - Business Analysis
Cambrian College of Applied Arts and Technology
Master - Risk Management
University of Lagos
Bachelor of Science - Economics
Olabisi Onabanjo University
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