MICHAEL ABREHA
Toronto,ON
Summary
Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level [Job Title] position. Ready to help team achieve company goals.
Overview
9
9
years of professional experience
1
1
Certification
Work History
A/Manager of Credit Workout Division
Zemen Bank S.co
Addis Ababa, Ethiopia
11.2022 - 04.2023
- Negotiate with defaulters
- Follow up with clients to manage debt settlements and loan renewals
- Analyzes financial data and provides required reporting.
- Reschedule and Restructures sick loans;
- Monitor payments
- Works with lending personnel and borrowers to better secure collateral and/or assets of the borrower and to facilitate collection.
- Develop, review and update our company’s credit policies
- Meet with debtors to establish repayment and/or explore compromise settlements and make recommendations subject to agreement of the Senior Management of the Department and approval of the Credit Committee.
Principal Credit Analyst
Zemen Bank S.co
Addis Ababa
08.2020 - 11.2022
- Evaluate loan requests of different levels of complexity;
- Analyzes credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit.
- Analyze applicants business, market environment, financial position, repayment capacity, and credit worthiness;
- Ensure the information and documents necessary for analyzing and processing the loan are complete;
- Participates in customer meetings and make a business visit for specific customer information
- Analyzed credit scores to determine borrower
- Recommend appropriate course of action
Senior Credit Analyst
Zemen Bank S.co
Addis Ababa, Ethiopia
03.2017 - 08.2020
- Review the completeness of the credit applications;
- Determine credit worthiness of applicants
- Designate degree of risk involved in extending credit by performing cash flow analysis of businesses
- Ensure all approved applications comply with the banks procedure and manual
- interview applicants and sometime visit customer business to obtain necessary about the business and financial information.
- Recommend appropriate course of action
Credit Analyst
Zemen Bank S.co
Addis Ababa, Ethiopia
10.2014 - 03.2017
- Process customer credit applications
- Review the completeness of the credit applications;
- Identifying the mitigating factors for credit risk(s) and making in-depth credit analysis
- Appraise the credit applications and prepares credit appraisal reports
- Recommend appropriate course of action
Education
Bachelor of Arts - Business Management
St. Mary's University
Addis Ababa, Ethiopia09.2007
Skills
- Data analysis and presentation skill
- Banking Industry specific skills (products and services)
- Due diligence
- Leadership skill
- Emotional Intelligence
- Computer application skill
- Knowledge and skill in organizing and leading business firms
- People’s Management skill
- Ability to work under pressure
Languages
English
Full Professional
Amharic
Native or Bilingual
Tigrigna
Native or Bilingual
Certification
- Chartered Credit Analyst from Western University College affiliated with Lincoln University California-USA on September 06, 2019
- Basic SME Financing from DAI Europe LTD, March 2019
Timeline
A/Manager of Credit Workout Division
Zemen Bank S.co
11.2022 - 04.2023
Principal Credit Analyst
Zemen Bank S.co
08.2020 - 11.2022
Senior Credit Analyst
Zemen Bank S.co
03.2017 - 08.2020
Credit Analyst
Zemen Bank S.co
10.2014 - 03.2017
Bachelor of Arts - Business Management
St. Mary's University