CHISOM MBATA (FCCA, BSC, CPA In-view)
Credit Risk Analyst
East Village 704 McGill Road Kamloops, BC
Summary
PROFESSIONAL SUMMARY
Credit Risk Analyst with over ten (10) years practical experience involvement in both commercial and development banking institutions.
Evaluated and monitored several corporate, commercial and consumer loan customers across various countries including Nigeria, Liberia, Benin, Guinea, Ghana, Senegal.
Proficient in both corporate, project/structured finance, development of credit strategies, design and development of product for various markets/sectors.
Instrumental in the sustainable growth of various companies through skillful management of the credit approval process (review, structure and recommendation) as well as business advisory services. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
10
10
years of professional experience
11
11
years of post-secondary education
1
1
Certification
Work History
Assistant Manager-Credit Evaluation and Remedial
Bank of Industry (BOI)
Lagos
10.2018 - Current
- Assess credit-worthiness and equity investment opportunities worth over $359 million (in 2022), 25% growth from 2021.
- Analyze credit data and financial statements of borrowing customers.
- Proffer relevant loan mitigation strategy and conditions for which loan should be granted.
- Perform credit risk rating of customers using Internal Risk Rating application to determine level of risk and its impact on risk asset and capital.
- Monitor individual risk asset and bank’s portfolio of assets to identify early signs of loan default for immediate remedial actions. Non-performing loan (NPL) ratio averaging 3% bank-wide for three years, less than 5% minimum regulatory NPL.
- Perform data entry, analysis and reporting relevant for loan limit settings.
Regional Credit Officer
United Bank for Africa
Lagos
04.2015 - 09.2018
- Evaluated Credit applications emanating from 3 countries comprising Senegal, Mali and Guinea
- Recommend credit applications/restructuring request for consideration and approvals to Chief Risk Officer/Executive Director.
- Reviewed assigned Risk ratings using Moody’s Risk Rating Application for new and existing customers.
- Carried out routine loan monitoring of selected customers account as well as, provide status report on watch listed accounts .
- Prepared monthly approved and processed Credit Approval Memorandum (CAM) reports and other reports as may be required by management.
Credit/Risk Analyst
United Bank for Africa (UBA)
Lagos
05.2013 - 08.2015
- Analyzed commercial and consumer loan request in line with bank’s credit policy and regulatory requirement.
- Obtained, assess and interpret credit bureau reports of borrowing customers.
- Ensured all credit requests meets minimum set Risk Acceptance Criteria (RAC).
- Prepared periodic Internal and Regulatory MIS Reports as required.
- Assess and interpret credit bureau reports of borrowing customers.
- Trained analysts on Moody’s Risk Rating Application for credit analysis.
Education
Advanced Diploma in Accounting And Business - Accounting And Finance
Association of Chartered Certified Accountant
United Kingdom 12.2011 - 05.2017
Graduate Banker - Banking And Finance
UBA Academy/Banking School
Lagos 01.2012 - 02.2013
Bachelor of Science - Accounting
Caritas University
Enugu, Nigeria 09.2006 - 11.2010
Skills
Sound practical knowledge and experience in Financial Statement Analysis, Credit Evaluation, Cash flow projection
Application of business understanding and professional judgment in loan decision
Practical experience using Moody’s Risk Analyst (MRA) Software for loan evaluation and lending decision
Adequate use of MS Excel, MS Power BI, Tableau for data analytics
Excellent Organizational and Communication Skills as well as an effective and highly motivated team player
Policy and program development
Data gathering and evaluation
Certification
Member Association of Chartered Certified Accountants–FCCA
Key Projects
- Fundamental in streamlining BOI's Credit Process (evaluation, approval & disbursement) from an average of 67 to 15 days in 2023.
- Automation of BOI's loan application, evaluation, approval process in 2020.
- Core member of the team that led to the development of BOI's automated internal Credit Rating Model application in 2018.
Timeline
Assistant Manager-Credit Evaluation and Remedial
Bank of Industry (BOI)
10.2018 - Current
Member Association of Chartered Certified Accountants–FCCA
06-2017
Regional Credit Officer
United Bank for Africa
04.2015 - 09.2018
Credit/Risk Analyst
United Bank for Africa (UBA)
05.2013 - 08.2015
Graduate Banker - Banking And Finance
UBA Academy/Banking School
01.2012 - 02.2013
Advanced Diploma in Accounting And Business - Accounting And Finance
Association of Chartered Certified Accountant
12.2011 - 05.2017
Bachelor of Science - Accounting
Caritas University
09.2006 - 11.2010