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
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
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
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
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