Isioma Chidebe

About

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

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

Education

Covenant University

Sep 2006 – Jul 2010

Bachelor's , Economics

Skills

Languages