Credit Administrator

• Jul 2022 - Present

CREDIT ADMINISTRATOR

• Dec 2019 - Nov 2022

Key responsibilities Ensure adequate assessment of credit risk on all the banks transaction & portfolio Develop policies and guidelines, methodologies & systems relating to credit risk assessment Ensure internal consistency of all Bank’s credit risk policies Monitor & report on compliance with policies and guidelines to regulatory bodies and other stakeholders Strengthen the Bank’s internal Credit Risk framework through improving credit processes Perform in debt credit analysis, advise appropriate credit risk ratings and make recommendations Regularly review existing transactions and their credit ratings as well as the adequacy of impairment provisions Assess specific risks of proposed transactions and recommending appropriate credit enhancement Advise on the appropriate structuring of transactions with a view to mitigate risk Participate in due diligence missions on prospective and active projects Participate in the development & updating of commercial credit risk management policies, guidelines & processes Regularly review the adequacy and appropriateness of policies, guidelines and procedures Participate in the development & upgrading of commercial credit risk identification & assessment methodologies Portfolio monitoring & reporting Monitor compliance with existing credit limits through periodic and yearly reviews Establish & forecast trends with respect to portfolio concentrations Test banks portfolio resilience though regular stress testing with the external environment Participate in management review and credit committee sessions on transactions Propagate a risk culture and serving as technical focal point Interact with Internal controllers and auditors for compliance with regulation Show less

BRANCH MANAGER

• Jan 2016 - Dec 2019

Key responsibilities Manage & support teams through business development by developing strong relationships with target clients Proactively identify potential opportunities that serve perfectly the banks internal policies & respect external regulation Assess the attractiveness of specific investment opportunities with a strong focus on credit quality and make recommendations to top management Initiate the loan approval process from sourcing deals, receiving applications, conducting due diligence, structuring deals, negotiating terms and documentation, and following up the approval process for direct financing, contingent liabilities and risk sharing opportunities, trade finance, syndications, project finance Manage a cross functional relationship across departments to ensure timely service delivery and smoothen workflow for bottom line results Monitor clients’ compliance with the terms of investment agreements, prepared timely supervision reports, identified early warning signs, and proposed necessary strategies for work-outs, restructurings or rescheduling ensuring win-win between bank and clients Ensure high quality client service delivery throughout the business relationship from transaction sourcing and processing to supervisionKey achievements- Increased Branch’s existing deposits by more than 500%; -Achieved Operational Efficiency for 02 branches through restructuring- one was transformed into a cash/payment point and another one was relocated to more strategic locationIn my leadership positions at each branch, I was able to create a productive working environment with a self-sufficient team who could support each other through cross functionality and multitasking-Extended credit facilities (direct loans, guarantees and contingent liabilities) to Individuals, SMEs, MFIs and Cooperatives, State Parastatals for about USD 10 Million Dollars in the domains of agriculture, oil and gas, building and construction, road works Show less

RELATIONSHIP MANAGER

• Dec 2009 - Dec 2015

Key responsibilities Directly support the Branch Manager in the daily administration of the branch, while leading a multidisciplinary team of 15 staff across different departments Provide instrumental inputs in business development, customer prospection and retention Represent management in negotiations with third parties (Individuals, SMEs, Local Corporates, MFIs and Corporates) on marketing, financial and lending opportunities Originate, structure and execute transactions in Agriculture, Trade, Financial Institutions lending, SME financing, project finance and investments in infrastructure, Energy, Aviation, FMCG, Health and Education Supervise the entire loan cycle from application to repayment: screening applications, carrying out appropriate due diligence, proposing adequate debt structures and pricing, following up disbursement plans and post disbursement monitoring schemes Conduct in depth credit and risk analysis, financial statement analysis and modelling, and followed up to ensure the recovery of debts in due time Cultivate & sustain relationships with competitors for syndicated lending and other project finance deals Engage in remedial management by restructuring and rescheduling non – performing loansKey achievements- Executed Structured Trade Finance (Cocoa & coffee, Banana, Fishing and Poultry farming) worth over USD 20 million- Played a significant role as originator and active team member for club deals, which included USD 20 Million for Oil and gas (SONARA Cameroon), USD 12 Million for Electricity (Kribi Power Development Company), USD 10 Million for Aviation (CAMAIRCO), USD 5 Million for infrastructure (Douala Urban Council – Cite des Douanes), USD 10 Million in direct financing and guarantees to non-bank, MFI and Cooperatives Show less

CLIENT RELATIONSHIP MANAGER

• Aug 2006 - Dec 2009

Key responsibilities Resolve client-related conflicts & ensure an efficient management of complaints in accordance with bank policies Effectively communicate with all clients Analyze financial information (financial statements, management accounts and cash flow statements) and Make recommendations to credit committee for lending decisions Contribute to the growth of bank’s Trade Finance Operations by setting up a one-stop service desk Accurate & timely guidance on International Trade Documentation, Foreign Exchange Operations, Documentary Collections and Letters of Credit Key achievements - Credited in making significant contribution to the bank’s success in customer satisfaction through delivering customized services to varying client niches -Originated agricultural transactions through commodity trade finance (Cocoa & coffee) worth over USD 2 million -Structured and championed the full repayment of over USD 7 Million worth of loans (funded and non-funded) related to major infrastructural projects financed by Cameroon Government and other Funders such as the European Union, African Development Bank and the World Bank using credit enhancement facilities lice bank guaranties, receivable financing, overdrafts and lines of credit Show less