Winifred Ani
Dartmouth,Canada
Summary
Experienced credit professional with strong analytical background in financial assessment. Skilled in analyzing credit data and financial statements to evaluate risk and ensure adherence to lending standards. Recognized for effective collaboration and adaptability, consistently achieving results that align with company objectives. Proficient in credit risk analysis and credit writing, always striving to achieve measurable outcomes.
Overview
13
13
years of professional experience
Work History
Credit Analyst, Commercial Banking
Scotiabank
09.2023 - Current
- Oversees a portfolio of 150+ client accounts, ensuring the accurate and efficient processing of credit applications with a focus on timely completion and high-quality credit assessments
- Analyzes credit applications to evaluate the creditworthiness of 150+ clients by reviewing financial statements, rent rolls, accounts receivable and payable, market reports, and borrower legal structures, thereby mitigating credit risks
- Collaborates with relationship managers to originate, structure, and underwrite credit applications ranging from $1 million to $75 million
- Conducts due diligence and monitors a $750 million loan portfolio to ensure compliance with credit policies and approved terms
- Engages proactively with clients to assess borrowing needs and capacity while fostering stronger relationships
- Partners with relationship managers to strengthen client relationships and deliver customized credit solutions that support business growth
- Contributes to team development through active participation in coaching and training initiatives
Credit Solutions Associate
Scotiabank
02.2020 - 09.2023
- Conducted risk analysis on a portfolio of 250+ commercial accounts, achieving 98% accuracy in annual and interim reviews
- Prepared credit reports and continuously monitored accounts, ensuring loan performance aligned with bank policies and regulatory standards
- Reduced credit risk by performing in-depth credit analysis, client onboarding, KYC updates, and due diligence in compliance with legal documentation requirements
- Prevented revenue leakage through efficient management, tracking, and monitoring of fee collections
- Identified cross-selling opportunities by analyzing financial statements, rent rolls, and trade documents, contributing to increased sales and revenue growth
- Provided coaching and training support to new and junior team members, fostering skill development and team efficiency
Client Advisor
Scotiabank
11.2018 - 02.2020
- Managed over 60 daily calls, resolving issues related to digital services, retail banking, revolving credits, day-to-day banking, and loans
- Engaged with customers through inbound calls, achieving 106% of cross-sell targets by providing personalized solutions
- Consistently exceeded KPIs, including sales performance, solution delivery, adherence, and customer satisfaction ratings (NPS)
- Delivered exceptional service to a high volume of customers daily with a positive attitude and a commitment to customer satisfaction
- Responded to customer inquiries via calls and emails, providing detailed information about products and services
Finance & Cash Management Officer
Christian & Associates
01.2016 - 08.2018
- Reconciled and maintained 20+ accounts daily, ensuring all accounts were balanced and accurate
- Monitored cash balances across branches to optimize cash utilization and address funding gaps
- Processed foreign currency and cross-border transfers for internal and external parties with precision
- Generated detailed transaction, fee, and interest reports impacting cash positions
- Analyzed financial data to identify opportunities for recommending optimal financing and leverage levels
- Conducted banking reconciliations and collaborated with banking groups to recover funds
- Coordinated payments for corporate loans and agreements, ensuring timely and accurate execution
Junior Treasury Analyst
Fidelity Bank PLC
03.2013 - 08.2014
- Supported cash management activities, including liquidity analysis, net cash position reporting, mirror netting, and cash flow forecasting
- Proposed and implemented process and reporting improvements, maintained process documentation, and contributed to business continuity planning
- Reconciled cash accounts, identified discrepancies, and provided actionable solutions
- Prepared consolidated cash flow forecasts (short, medium, and long-term) with a focus on financing needs and internal investment planning
Trainee – Treasury Operations
Fidelity Bank PLC
03.2012 - 03.2013
- Prepared presentations and analysis on daily cash positioning
- Analyzed financial information for trends and/or variances
Education
Master of Science - Accounting & Financial Economics
University of Essex
01.2015
Bachelor of Science - Economics
Caritas University
01.2010
Skills
- Credit Analysis
- Credit Structuring & Writing
- Financial Analysis
- Collaboration Skill
- Customer and Relationship Management
- Excel
- Excellent Communication
Professional Development
- Moody’s Advanced Commercial Real Estate Analysis
- Moody’s Commercial and Corporate Banking Certificate
- Liquidity, Credit & Operational Risk Management
Languages
English
Full Professional
Timeline
Credit Analyst, Commercial Banking
Scotiabank
09.2023 - Current
Credit Solutions Associate
Scotiabank
02.2020 - 09.2023
Client Advisor
Scotiabank
11.2018 - 02.2020
Finance & Cash Management Officer
Christian & Associates
01.2016 - 08.2018
Junior Treasury Analyst
Fidelity Bank PLC
03.2013 - 08.2014
Trainee – Treasury Operations
Fidelity Bank PLC
03.2012 - 03.2013
Bachelor of Science - Economics
Caritas University
Master of Science - Accounting & Financial Economics
University of Essex
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