Result-oriented finance professional skilled in credit analysis and credit product management within the Nigerian
financial services industry. Proven experience in credit product development, providing strategic direction on
credit creation, assessing credit applications, making crucial credit decisions, effective credit risk identification
and mitigation and maintaining high quality credit portfolios. Wide background in financial information analysis
including cash flow records and management accounts. Thrives in high pressure and fast paced work
environment. Demonstrated ability to manage simultaneous projects. Proficient in process development and
improvement. Core competencies include:
Credit Risk Analysis & Management, Research, Credit Product Development & Management, Process
Improvement, & Automation, Data Analysis, Documentation & Reporting, Financial Analysis, Strategy
Development, Fixed Asset Accounting, Financial Accounting, Accounts Payable, SAP ERP, Excellent verbal &
Written communication, Initiative, Leadership, MS Word, PowerPoint, Excel, Power BI, SQL.
Experience
SunTrust Bank Nigeria Ltd
Oct 2018 – Present
Lagos, Nigeria
Credit Analyst/Credit Product Manager
• Developing new credit products and acting as the delegated approving authority for all credit product
programs.
• Reviewing and updating credit product programs in line with market changes and industry standards.
• Recommending the approval or decline of credit applications from the wholesale and retail business
segments.
• Providing guidance on credit structuring to business segments.
• Reviewing and analyzing customer credit reports, credit scores, financial statements, historical trends,
projections, management performance, capital structure, collateral and cash flow to provide appropriate
credit decisions within the established policy guidelines.
• Evaluating and mitigating the risks inherent in credit requests.
• Monitoring the performance of approved credits and the bank’s loan portfolio.
• Providing relevant stakeholders with insights into the credit business and operations through
comprehensive reporting and recommendations.
Access Bank
Dec 2015 – Sep 2018
Lagos, Nigeria
Credit Risk Analyst
• Developing new credit products and acting as the delegated approving authority for all credit product
programs.
• Reviewing and updating credit product programs in line with market changes and industry standards.
• Recommending the approval or decline of credit applications from the wholesale and retail business
segments.
• Providing guidance on credit structuring to business segments.
• Reviewing and analyzing customer credit reports, credit scores, financial statements, historical trends,
projections, management performance, capital structure, collateral and cash flow to provide appropriate
credit decisions within the established policy guidelines.
• Evaluating and mitigating the risks inherent in credit requests.
• Monitoring the performance of approved credits and the bank’s loan portfolio.
• Providing relevant stakeholders with insights into the credit business and operations through
comprehensive reporting and recommendations.
Stanbic IBTC Holdings
Jan 2012 – Nov 2015
Lagos, Nigeria
Finance Officer
• Recorded fixed asset acquisitions and disposals in the accounting system SAP.
• Tracked existing assets by assigning tag numbers.
• Ensured fixed asset classes are depreciated appropriately.
• Tracked the compilation of project costs into fixed asset accounts, and closed out the accounts once the
related projects have been completed
• Recorded fixed asset acquisitions and disposals in the accounting system SAP.
• Tracked existing assets by assigning tag numbers.
• Ensured fixed asset classes are depreciated appropriately.
• Tracked the compilation of project costs into fixed asset accounts, and closed out the accounts once the
related projects have been completed