Experience

JOMACS
• Canada
• IT Services and IT Consulting
• 1 - 100 Employee
• Linux System Administrator

  • Feb 2023 - Present


AB Microfinance Bank Nigeria Limited

• Nigeria
• Banking
• 500 - 600 Employee

• Credit Analyst

  • Oct 2019 - Present

  My job as a Credit Risk Analyst in AB MFB is to assess and evaluate the creditworthiness of borrowers and the potential risks associated with extending credit to them. My job also entails analyzing and mitigating credit risks to protect the bank's assets and ensure a healthy loan portfolio. Credit Analysis: I conduct thorough assessments of loan applications, financial statements, credit reports, and other relevant data to determine the creditworthiness of borrowers. This involves analyzing the financial health of individuals, businesses, or other entities applying for credit. Risk Assessment: I also evaluate and quantify the potential risks associated with extending credit, such as default risk, repayment capacity, market conditions, industry risks, and collateral value. This includes using statistical models, financial ratios, and other risk assessment tools to make informed decisions. I assign credit scores or ratings to borrowers based on their creditworthiness. This helps in ranking and categorizing borrowers into different risk segments, allowing the bank to determine appropriate lending terms, interest rates, and credit limits. I monitor the ongoing performance of the loan portfolio, identifying early warning signs of credit deterioration, and implementing risk mitigation strategies when necessary. This involves tracking changes in borrowers' financial positions, market conditions, and other factors that may impact their ability to repay loans. Generating regular reports on credit risk metrics, trends, and portfolio quality to management and other stakeholders. Credit Risk Analysts also maintain accurate records of credit assessments, decisions, and related documentation. I collaborate with other teams within the bank, such as underwriters, loan officers, and senior management, to provide risk insights and recommendations. Credit Risk Analysts also communicate credit decisions, conditions, and terms to borrowers and respond to their inquiries. Show less


LAPO Microfinance
• Nigeria
• Banking
• 700 & Above Employee
• Client Support Representative

  • Apr 2017 - Oct 2019