Funmi Oshuntoki
Edmonton
Summary
Credit professional with eight years of experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Proven ability to streamline processes, improve service delivery, and drive customer satisfaction. Committed to leveraging expertise to contribute to organizational growth and excellence.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Credit Analyst
Santander Consumer
06.2024 - Current
- Conduct comprehensive credit analyses on over 500 loan applications annually, resulting in a 20% reduction in default rates
- Perform in-depth financial analysis to determine affordability and structured asset evaluations in compliance with established guidelines
- Streamline credit policy recommendations to improve processing efficiency, achieving a 20% reduction in turnaround time
- Support senior analysts in reviewing financial documents and credit histories, improving accuracy by 15%.
- Provide regular reports on credit performance and risk exposure, supporting risk management initiatives
- Ensure professional responses to dealer inquiries, showcasing strong written and verbal communication abilities
Financial Analyst
Access Bank Plc
03.2021 - 05.2024
- Spearheaded financial reconciliations across 50+ accounts, reducing discrepancies by 30% through detailed investigation and corrective action.
- Ensured compliance with relevant accounting standards, regulations, and institutional policies, achieving a 100% compliance rate
- Supported preparation and analysis of financial reports, providing detailed documentation to substantiate findings
- Generated and analyzed monthly, quarterly, and annual financial reports, increasing report accuracy by 25%.
- Identified significant variances and trends, providing actionable insights that enhanced financial performance by 10%.
- Supported regulatory compliance and prepared audit-ready financial reports, achieving a 100% success rate in audits
- Participated in continuous process reviews and improvements, streamlining procedures and increasing efficiency by 18%.
Financial Advisor
Access Bank Plc
07.2016 - 02.2021
- Demonstrated proven knowledge of and success in understanding and applying banking laws and regulations, maintaining a 100% compliance rate
- Offered financial advice to over 200 clients regarding investments and savings, achieving a 95% client satisfaction rate
- Sold and marketed financial products and services to clients, achieving a 25% increase in product uptake
- Identified cross-selling and migration opportunities for the bank's products and services, leading to a 15% increase in service utilization
- Networked to develop business relations and promote loans, investments, and other banking services, attracting new corporate clients
- Monitored processing of loan applications, preparing weekly, monthly, and quarterly performance reports to ensure timely and accurate processing
- Prepared financial plans and conducted regular reviews with clients, ensuring alignment with their financial goals.
Education
Bachelor of Arts -
Redeemer's University
Nigeria10-2012
Skills
- Underwriting
- Risk Assessment
- Strong Negotiation
- Relationship Management
- Advanced financial and business modelling skills including proficiency in MS excel, Power Query, Power BI and SQL
- Due diligence
Certification
- Associate member of the Chartered Institute of Personnel Management of Nigeria
- Associate member of the Chartered Institute of Bankers of Nigeria
Timeline
Credit Analyst
Santander Consumer
06.2024 - Current
Financial Analyst
Access Bank Plc
03.2021 - 05.2024
Financial Advisor
Access Bank Plc
07.2016 - 02.2021
- Associate member of the Chartered Institute of Personnel Management of Nigeria
- Associate member of the Chartered Institute of Bankers of Nigeria
Bachelor of Arts -
Redeemer's University
Similar Profiles
Masoka AlimbeMasoka Alimbe
Senior Income Analyst at Santander ConsumerSenior Income Analyst at Santander Consumer
Ashley HydeAshley Hyde
Accounting Clerk at Santander ConsumerAccounting Clerk at Santander Consumer
Ushasri DarlaUshasri Darla
Data Quality Analyst at Santander ConsumerData Quality Analyst at Santander Consumer