Adewole Cole
Croydon
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Overview
9
9
years of professional experience
6
6
years of post-secondary education
Work History
Credit Risk Analyst
Addosser Finance
Lagos
04.2020 - 01.2022
- Develop and analyse product-specific solutions within the banking domain, focusing on areas such as underwriting and monitoring loan portfolios, developing collections scorecards, and conducting loss forecasting
- Provided quantitative and qualitative risk analysis on credit portfolio and future opportunities, developed and maintained accurate and timely reporting on portfolio risk metrics
- Solved complex business problems to help the bank develop appropriate credit risk management strategies, driving forward practical value-based solutions
- Maintained the credit exposure of the company within certain risk level with set limit in mind, assisted the company in enhancing quality of service delivery relating to credit applications
- Managed business credit reports using relevant research, investigation methods and data to provide evidence for recommendations.
- Produced reports in line with regulatory and strategic factors and stakeholder requirements for best practice.
- Studied financial statements to determine ability of company to repay debts.
- Investigated exposure to risks, proposing framework and activity to provide best company resilience.
SME Credit & Risk Analyst
AB MFB
Lagos
02.2015 - 04.2020
- Assisted in the development of risk control monitoring, including sourcing of data in a sustainable way and to improve data quality
- Present project findings, updates, and summaries to stakeholders and larger audiences, effectively communicating complex concepts in a clear and concise manner
- Handled detailed statistical analysis with tools such as Microsoft Excel and SAS to review and optimize credit decision strategies, processes and models
- Analysed and interpreted financial statement of businesses to access the leverage level and financial soundness of borrowers
- In-depth assessment of loan applications and collect detailed information (personal, business, and guarantees) in preparation of loan proposals
- Portfolio Management with full responsibility for its growth and quality (monitoring of disbursed Loans, follow up on timely repayment and initiating and leading recovery activities).
Business Development Executive
Dydx twenty-four seven security guards ltd
Lagos
12.2012 - 02.2015
- Coordinated innovative strategies needed for long-term profitability
- Participated in the development, implementation and evaluation of strategic business plans and operational policies and procedures
- Ensured that appropriate performance information is available to report to Senior Management Team on performance against business objectives and financial targets
- Researched best practice with other Security providers to ensure best practice is incorporated into firm's procedures, processes and policies.
Education
MSc - International Business with Data Analytics, Advance Practice
Ulster Univerisity
London 01.2022 - 09.2023
BSc - Politics, Philosophy and Economics
Obafemi Awolowo University
11.2006 - 12.2010
Skills
- Key Skills and Abilities
- Portfolio Management
- Microsoft Excel
- Asset-Based Lending
- Mortgage Underwriting
- Data Analysis
- SQL
- Data Management and Confidentiality
- Credit analysis
- Financial Conduct Authority (FCA) regulatory requirements
- Verbal and written communication
- Financial statements expertise
- Accounting software
Interests
Extracurricular Activities and Interests
, Sports
Art
Volunteering
Travelling
Languages
English
Fluent
Timeline
MSc - International Business with Data Analytics, Advance Practice
Ulster Univerisity
01.2022 - 09.2023
Credit Risk Analyst
Addosser Finance
04.2020 - 01.2022
SME Credit & Risk Analyst
AB MFB
02.2015 - 04.2020
Business Development Executive
Dydx twenty-four seven security guards ltd
12.2012 - 02.2015
BSc - Politics, Philosophy and Economics
Obafemi Awolowo University
11.2006 - 12.2010
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