KELECHI CHIDERA AMUDI
Hamilton,ON
Summary
Credit Analyst | Relationship Manager PROFESSIONAL SUMMARY Credit risk analyst with 5 years’ experience in a business-to-business environment, credit documentation, account set-up, checking credit scores, lending risk analysis, B2B analysis, credit underwriting, retail/commercial loans, and managing large clientele. Specialist in credit administration/analysis, financial modelling, financial statements analysis, and process improvement. Strong expertise in conducting risk assessment frameworks, SLA management, operations reviews, lending support, cross-selling, transactions compliance monitoring, stress testing, loan restructuring and cross-referencing client account information across various (regulatory) platforms. Highly proficient and experienced with CRM, MS Excel, Power point, Power BI, SQL, business collaboration tools.
ACHIEVEMENTS
Recognized as one of the highest performers for lending support, relationship management and credit risk analysis in 2019 and 2020 which improved client onboarding and retention by 55% .
Received exceptional ‘A’ rating in 2020 and 2021 despite the covid19 valuable business growth and meeting profitability target.
Overview
6
6
years of professional experience
Work History
Credit Analyst/Relationship Manager
Bank of Industry
04.2017 - 08.2022
- Executed credit sales research and business development solutions that brought in new business of in 2021 and 2020 despite the pandemic
- Recognized as a top performer in the region
- Analyze financial statement, credit request, and evaluate the credit worthiness of clients
- Assess the credit risk associated with the client to determine their repayment abilities
- Executed credit sales and business solutions to B2B Markets
- Led credit sales reviews providing recommendations with full usability analysis weekly and provided timely guidance constantly to functional teams & stakeholders
- Provided lending technical expertise with guidance on operational knowledge and fostered engagements with cross functional partners & vendors which ensured compliance regulatory requirement is met 100%
- Monitored credit performance of clients over time to ensure that credit payment are made promptly and in accordance with credit agreement
- Reviewed customer’s eligibility to access retail credit facilities using Debt Service Ratio (DSR) computation, exposure to other banks and ensured all conditions precedent to drawdown were adhered to before final disbursement
- With this, there was credit portfolio growth of 89% in 2021
- Evaluated customer’s eligibility for loan restructuring, and advised on the steps to meet loan obligations
- Provided product trainings to 20-30 staff weekly including field officers and outsourced sales agents
- Keeping up to date with industry trends and changes in regulations that may impact lending practices
- Reviewing of client credit request documents and opening of accounts
- Verified all transactions related to prepaid cards: reconciliation on GLs
- Enhanced turnaround time, managed the credit operations team, executed strategic plans ensuring best performance and results to all clients
- Maintained accurate records on all customers, including contact information, transaction (billing) history, documentation and payment status
- Created and maintained sales operations calendar to ensure sales project operations are completed within SLA and scheduled timelines
- This also effectively managed business priorities
- Reviewed and analyzed sales data, trends, prepared sales reports & proposals, year-on-year variance analysis, budget analysis, and growth forecast projections
- Organized knowledge sessions on regulatory changes with 100% participation from team members
- Investigated & filed Suspicious Activity Reports (SAR) for escalated activity on client transactions and monitored finance(credit) instruments for compliance.
Credit and Compliance Analyst
Access Bank Plc
05.2016 - 04.2017
- Conducted financial sales data research and analysis leading to identification of market gaps and increase in market share by 21% and 46% in 2016 and 2017 respectively
- Executed security measures and validated infrastructure assessments weekly mitigating risks and service failure
- Also prepared business discussion documents, and financial model for clients
- Responded to regulatory and staff enquiries on KYC/Due Diligence issues and advised on appropriate actions
- Prepared specialized reports on cases that required escalating for further investigation by law enforcement, appropriate government agencies and regulatory bodies
- Developed improvement and corrective action plans to bring operations in line with requirements
- Supported and trained customers on compliance-related issues
- Stayed current with latest changes to applicable regulatory standards and company procedures
- Reviewed audit and monitoring reports related to consumer and client activities
- Prepared documentation and records for upcoming audits and inspections
- Assisted investigation and risk management teams with fraud investigations and risk identification
- Documented daily inspection activities by taking photos and filling out inspection reports
- Communicated materials documentation deficiencies to project engineer, project staff and design-builder
Education
Chartered Institute of Management Accounting
United Kingdom2019
Bachelor of Science - Economics
University of Nigeria
Nigeria03.2014
Skills
- Analyst Relations
- B2B Analysis
- Financial statement Analysis
- Credit Analysis & administration
- Product management
- System and process Optimization
- Retail and commercial lending
- Due diligence & Financial analysis
- Risk management
- Relationship cultivation and retention
- Credit score understanding
- Credit and collections
- Advisory credit understanding
- Networking and relationship building
Timeline
Credit Analyst/Relationship Manager
Bank of Industry
04.2017 - 08.2022
Credit and Compliance Analyst
Access Bank Plc
05.2016 - 04.2017
Chartered Institute of Management Accounting
Bachelor of Science - Economics
University of Nigeria
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