Opeyemi Asa
Toronto,Ontario
Summary
Over 5+ years of Credit Risk Analyst experience with a focus in underwriting merchant applications and assessing credit risk in the payments industry. Proven ability to mitigate financial risk and uphold compliance with credit standards and regulatory requirements. Skilled in evaluating personal and business financial data and statements, leading to improved detection of potential credit and fraud risks. Holds a bachelor's degree in Banking and Finance. Meticulous Credit Analyst promoting a background in credit bureau report reviews and communicating with commercial clients. Experienced in credit approvals and limits. Offering a successful career history spanning more than [Number] years.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Data Analyst
Business Insight, Humber College
2023.01 - 2024.04
- Designed and presented an analysis of marketing data from various channels using Excel and SQL to create reports and visualizations, while demonstrating strong teamwork and data analysis skills, which resulted in a 13% increase in the company's conversion rate, contributing to its overall success
- Utilized Python and SQL to analyze customer data, including demographics, purchasing patterns, and feedback surveys while implementing strong problem-solving skills
- Identified trends and patterns, which led to improvements in product offerings and customer service
- As a result, customer satisfaction levels increased by 10%.
Credit Risk Analyst
First Bank
2019.09 - 2022.08
- Conducted meticulous evaluations of high-risk merchants to ensure compliance with credit guidelines, fraud prevention measures, card association regulations, and legal requirements, thus safeguarding organizational interests and reducing legal issues by 30%
- Analyzed a wide range of personal, business, and financial data to make well-informed credit decisions, resulting in a notable 35% reduction in overall risk exposure and contributing to the financial stability of the business
- Collaborated closely with internal and external teams to provide credit training, detect potential fraud, and monitor ongoing activities, thereby enhancing team performance by an impressive 40%
- Assisted customers during the complex merchant setup process by explaining nuanced credit policies and decisions for a smoother onboarding experience, leading to a 20% increase in customer satisfaction
- Worked with the Fraud Group to continuously monitor high-risk merchant activities, which led to a substantial 50% decrease in potential fraud incidents and improved the integrity of transactions.
Business Support Risk Analyst
First Bank
2016.11 - 2019.08
- Skillfully applied precise underwriting criteria to thoroughly evaluate merchant applications, significantly mitigating financial risk and strictly adhering to established credit policies and industry standards, resulting in a 25% improvement in approval accuracy
- Conducted comprehensive re-evaluations of flagged merchant accounts requiring adjustments to processing volumes or alterations in average transaction sizes, thereby proactively managing potential risk exposure and reducing default rates by 15%
- Supported the operational team by stepping in when needed to ensure smooth and efficient processes
- Aided in managing customer accounts and resolving any risk-related issues
- Performed thorough risk evaluations of various accounts and clients
- Analyzed data patterns, credit scores, and financial statements to identify potential risks and opportunities.
Education
Post Graduate Certificate - Business Insights and Analytics -
Humber College
04.2024
Bachelor of Science – Banking and Finance -
Babcock University
07.2013
Skills
- MS Office Proficiency
- Creative Problem Solver
- Strong Communication & Organizational Skills
- Loan Documentation
- Risk Assessment
- Credit analysis
- Report Analysis
- Financial statement review
- Market Trend Analysis
- Customer Relations
Certification
- Association of Accounting Technicians (AAT), 2020
- Institution of Chartered Accountants of Nigeria
Timeline
Data Analyst
Business Insight, Humber College
2023.01 - 2024.04
Credit Risk Analyst
First Bank
2019.09 - 2022.08
Business Support Risk Analyst
First Bank
2016.11 - 2019.08
Post Graduate Certificate - Business Insights and Analytics -
Humber College
Bachelor of Science – Banking and Finance -
Babcock University
- Association of Accounting Technicians (AAT), 2020
- Institution of Chartered Accountants of Nigeria
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