Summary
Overview
Work History
Education
Skills
Certification
Hobbies
Timeline
Generic

Cyntiche TONKEU

Credit Analyst
Douala

Summary

Dynamic Credit Analyst with proven expertise in credit analysis, risk assessment and financial modeling. Adept at enhancing credit evaluations through detailed financial statement analysis and fostering team collaboration. Bilingual in English and French, I excel in delivering actionable insights that drive informed lending decisions and optimize financial performance.

Overview

14
14
years of professional experience
1
1
Certification
2
2
Languages

Work History

Credit Analyst

UBA CAMEROON S.A.
06.2022 - Current
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections to determine level of risk involved for extending credit.
  • Gathered loan documentation for underwriting.
  • Collect and Spread customer's financial data on the bank's internal tools.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Reviewed and approved or denied credit applications to keep organization profitable by helping management make informed lending decisions.
  • Contributed to product development.

Finance Team Member

BLW Inc
06.2012 - 09.2019
  • Managed expense tracking and reporting processes, identifying opportunities for cost savings or process improvements where appropriate.
  • Optimized cash flow management, ensuring timely reconciliation of bank statements and maintaining accurate cash balances.
  • Improved cost control measures by analyzing expense trends, identifying inefficiencies, and recommending targeted improvements.
  • Developed comprehensive performance reports for senior management, enabling informed decision-making based on key financial metrics.

Translator and Interpreter

Freelance
01.2012 - 08.2019
  • Received positive feedback from clients for exceptional attention to detail in translated documents and interpreted conversations.
  • Translated documents from English to French and French to English.
  • Enabled smoother negotiations for clients with foreign counterparts by offering real-time interpretation support.
  • Proofread, edited and improved documents of different sizes.
  • Assisted with translation of foreign language television and radio programs.
  • Collaborated with team to translate series of documents from English to French.
  • Maintained message content, tone, and emotion as closely as possible.

Education

MASTER II - Mathématiques Et Informatique Pour La Finance Et L

Université Des Montagnes
Bangangte
04.2001 -

Bachelor of Science - Mathematics And Computer Science

University of Buea
Buea
04.2001 -

Skills

Credit analysis proficiency

Financial modeling

Microsoft Excel proficiency

Financial statement analysis

Due Diligence

Bilingual(English and French)

Risk assessment

Oral and written communications

Quantitative analysis

Financial forecasting

Adaptability and flexibility

Team collaboration

Analytical and critical thinking skills

Certification

CFA Level 1 Candidate

Hobbies

  • Lawn tennis
  • Music(singing)
  • Travelling

Timeline

Credit Analyst

UBA CAMEROON S.A.
06.2022 - Current

Finance Team Member

BLW Inc
06.2012 - 09.2019

Translator and Interpreter

Freelance
01.2012 - 08.2019

MASTER II - Mathématiques Et Informatique Pour La Finance Et L

Université Des Montagnes
04.2001 -

Bachelor of Science - Mathematics And Computer Science

University of Buea
04.2001 -

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Cyntiche TONKEUCredit Analyst