BABATUNDE GBEDE

• Currently supporting the implementation of financial risk management practices, process improvements, commercial strategies, and consumer transactions for an enterprise providing mortgage solutions to over 700 global clients.

Responsibilities

- Underwrite buy-to-let (BTL) and commercial real estate loans, conducting thorough credit assessments, annual reviews, and preparing detailed presentations for Executive Credit Committee approvals.

- Collaborate with senior management and stakeholders to assess and mitigate credit risk, ensuring alignment with company risk appetite and regulatory standards.

- Generate comprehensive portfolio performance reports, identify emerging risks, and implement proactive risk mitigation strategies through ongoing credit surveillance and monitoring.

- Partner with cross-functional teams to structure and negotiate loan transactions, ensuring compliance with underwriting guidelines and high-quality credit facilities.

- Ensure all credit proposals adhere to established credit policies and regulatory requirements, maintaining rigorous standards in credit analysis and risk management.

• Recommended and implemented techniques to enhance the loan management system by leveraging data analytics to identify risks, opportunities, and key factors impacting portfolio performance.

Responsibilities:

- Manage, develop, and train a team of underwriters, ensuring full understanding and proper application of company lending guidelines.

- Monitor credit exposure and risk, proactively identifying potential portfolio issues and recommending solutions to stakeholders.

- Develop and analyze credit policies to enhance business market share and competitiveness.

- Formulate credit policies using data analysis to drive informed decisions, improving portfolio performance and maintaining non-performing loans (NPLs) within acceptable thresholds.

• Successfully restructured 102 non-performing loans (NPLs) valued at £925,000 through loan remediation strategies, reducing the NPL ratio from 28% to 13%.

Responsibilities:

• Rescheduled and restructured credit facilities, including repayment terms, while developing strategies to secure, collect, and monitor agreed repayments.

• Defined and recommended loan remediation strategies that reduced the bank’s exposure to credit risk.

• Coordinated underwriting activities within the team, ensuring an efficient and effective workflow.

• Monitored, reviewed, and reported on loan performance to management, providing actionable insights for decision-making.

• Increased loan approval rates from 56% to 82% by enhancing operational efficiency and reducing loan processing time.

Responsibilities:

- Evaluate and analyze applicants’ financial portfolios to assess creditworthiness and determine suitability for lending.

- Provide financial guidance on credit risks associated with large-scale corporate lending programs.

- Review clients’ employment history, income sources, and credit reports to assess potential risk levels.

- Assess clients’ credit scores, debt profiles, payment histories, and debt-to-income ratios to ensure compliance with company lending standards and requirements.

• Negotiated repayment plans for over 150 customers, consistently maximizing early repayments and reducing debt recovery time.
• Collaborated with a team to implement skip tracing techniques that optimized the debt recovery process and improved account prioritization.

Responsibilities

- Conducted daily collections activities for defaulting customers and escalated fraudulent accounts for further investigation.

- Ensured regularization of past-due accounts to minimize losses.

- Processed default letters for customers in arrears, facilitating clear communication on repayment expectations.

- Maintained a high volume of calls to meet the demands of a busy collections team.

• Managed and expanded a loan portfolio, consistently exceeding sales targets by 20% to 50%.

Responsibilities:

- Conducted cold calls (minimum of 80 outbound daily) to arrange meetings with potential customers and prospect for new business opportunities.

- Responded to incoming email and phone inquiries, serving as a liaison between the company and its existing and prospective markets.

- Assessed loan documentation of prospective applicants to determine eligibility for loan products.

- Provided management with feedback on current industry trends and competitive market opportunities.