GRACE AZEEZ
Surrey,Canada
Summary
Detail-oriented and results-driven Credit Management Professional with over 10 years of progressive experience in credit analysis, debt recovery, and delinquency management within banking and financial institutions. Proven track record in managing complex credit portfolios, conducting financial investigations, and improving recovery outcomes through strategic client engagement and cross-functional collaboration. Adept at balancing customer care with compliance and risk mitigation. Seeking to contribute to a dynamic credit team as a Credit Management Associate.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Credit & Recoveries Specialist
Royal Bank of Canada (RBC)
06.2022 - Current
- Managed high-risk delinquent accounts and secured repayment agreements, minimizing losses.
- Applied financial analysis to identify feasible repayment options and implemented appropriate tools.
- Referred non-viable accounts for legal escalation and collaborated on litigation.
- Maintained accurate documentation and ensured regulatory compliance in all recovery actions.
- Utilized systems such as TS2, CACS, and Workbench to manage client interactions.
Credit Resolution Manager – AMP Enforcement
AMCON
07.2018 - 05.2022
- Recovered over $2.3 million through rigorous investigations and tailored debt strategies.
- Partnered with the Legal Department on enforcement and receivership actions.
- Evaluated customer creditworthiness and risk exposure to recommend credit actions.
- Provided regular briefings to executive leadership and influenced loan recovery policies.
- Negotiated successful payment plans with delinquent clients.
Credit Resolution Manager – Hotel Unit
AMCON
07.2017 - 07.2018
- Managed a hospitality sector debt portfolio of ₦9.8 billion.
- Conducted debt reviews and advised clients on restructuring based on financial projections.
- Secured Central Bank of Nigeria approval for asset resolutions via private treaty.
Credit Resolution Manager – Retail SMEs
AMCON
08.2015 - 06.2017
- Oversaw ₦2.5 billion bad debt portfolio in SME sector.
- Evaluated customer repayment capacity and crafted viable recovery plans.
- Submitted monthly performance metrics to senior management.
Credit Resolution Manager – Small Loans Unit
AMCON
02.2012 - 07.2015
- Administered a bad loan portfolio worth $555 million.
- Improved collection effectiveness by initiating innovative resolution frameworks.
- Coordinated with internal teams to enforce recovery and restructure loan agreements.
- Prepared annual budget and ensured departmental financial compliance.
Sales and Relationship Manager
Oceanic Bank International Plc
10.2006 - 01.2010
- Managed portfolio of 25 HNW clients totaling $16 million in assets.
- Supported end-to-end credit lifecycle: loan origination, documentation, compliance.
- Conducted profitability analysis and presented to credit committees.
Education
Master of Business Administration -
Bayero University
Master of Sociology - undefined
Unilag
Bachelor of Sociology -
Unilorin
Skills
- Credit Risk Assessment, Delinquent Loan Recovery, Debt Restructuring & Negotiation, Regulatory Compliance, Financial Statement Analysis, Fraud Detection & Investigation, Customer Financial Profiling, Collections (Inbound/Outbound), Litigation Coordination, Recovery Strategy Development
- Tools: TS2, CACS, Workbench, Sales Platform, Elements
Certification
- Scrum Master Certified (SMC)
- Scrum Fundamental Certified (SFC)
Hobbies and Interests
Polygamist reader, movies for relaxation.
Availability
Flexible to work shifts between 8am - 11pm (Mon - Fri) and 8am - 7pm (Sat)
Languages
English
Full Professional
Timeline
Credit & Recoveries Specialist
Royal Bank of Canada (RBC)
06.2022 - Current
Credit Resolution Manager – AMP Enforcement
AMCON
07.2018 - 05.2022
Credit Resolution Manager – Hotel Unit
AMCON
07.2017 - 07.2018
Credit Resolution Manager – Retail SMEs
AMCON
08.2015 - 06.2017
Credit Resolution Manager – Small Loans Unit
AMCON
02.2012 - 07.2015
Sales and Relationship Manager
Oceanic Bank International Plc
10.2006 - 01.2010
Master of Sociology - undefined
Unilag
Master of Business Administration -
Bayero University
Bachelor of Sociology -
Unilorin
Similar Profiles
Ramachandran TamilmaranRamachandran Tamilmaran
Senior Manager, Quality Engineering at Royal Bank of Canada, RBCSenior Manager, Quality Engineering at Royal Bank of Canada, RBC
NAVJOT KAURNAVJOT KAUR
Senior Banking Advisor at Royal Bank of Canada, RBCSenior Banking Advisor at Royal Bank of Canada, RBC
Harshdeep SinghHarshdeep Singh
Senior IT Analyst at Royal Bank of Canada, RBCSenior IT Analyst at Royal Bank of Canada, RBC
PARMEET KAURPARMEET KAUR
Collections Officer at Royal Bank of Canada, RBCCollections Officer at Royal Bank of Canada, RBC
Vipandeep VipandeepVipandeep Vipandeep
Assistant Manager at ChevronAssistant Manager at Chevron