Ifedolapo Oludayo
Financial
Ibadan, Oyo State
Summary
Experienced Team Lead Credit Underwriting with over a decade of expertise in credit assessment and loan processing at Credit Direct Finance Company Limited, Lagos. Proven track record in developing and implementing automated underwriting processes, enhancing efficiency, and reducing turnaround times. Adept at leading teams and fostering a collaborative environment to achieve daily goals. Skilled in risk management practices, ensuring compliance with regulatory standards. Career goal: to leverage extensive experience in credit underwriting to drive strategic initiatives that support organizational growth and operational excellence.
Overview
13
13
years of professional experience
Work History
Team Lead, Credit Underwriting
Credit Direct Finance Company Limited
06.2022 - Current
- Evaluating team performance and providing constructive feedback to improve daily goal achievement.
- Collaborating with sales and other departments to resolve credit issues, and support business growth.
- Developing and implementing automated loan underwriting processes to reduce turnaround time and improve efficiency.
- Coordinating with compliance officers to address and rectify any regulatory issues identified.
- Coordinating the underwriting team, ensuring timely approval of loans by facilitating clear and effective communication.
- Implementing risk management practices, minimising financial discrepancies, and safeguarding against potential fraud.
- Fostering a collaborative team environment, encouraging open communication, and sharing best practices among team members.
- Reviewing and updating loan processing guidelines, ensuring adherence to both internal policies and external legal requirements.
Credit Underwriter
Credit Direct Finance Company Limited
06.2012 - 06.2022
- Conducted thorough credit checks and assessments to evaluate loan eligibility and potential risks.
- Conducted detailed reviews of loan agreements to identify discrepancies, and prevent potential loss.
- Reviewed applications to determine compliance with debt-to-income (DTI) company policies and financial regulations.
- Resolved complex loan application issues, applying in-depth knowledge of underwriting principles to achieve favourable outcomes.
- Analysed clients' background checks and financial records to determine loan risk involved.
Loan Operator
Credit Direct Finance Limited
10.2011 - 06.2012
- Conducted thorough credit checks and assessments to evaluate loan eligibility and potential risks.
- Submitted credit and loan applications to underwriters for verification and recommendations.
- Answered customer inquiries concerning credit standing, loan balances and penalties.
- Facilitated loan closings, including coordinating with all parties to ensure smooth loan processing and disbursement.
- Monitored deadlines for loan document collection to avoid delays in loan processing.
Education
Bachelor of Arts - English And Literary Studies
University of Ado Ekiti
Ado-Ekiti, Ekiti State, Nigeria 04.2001 -
Skills
- Process improvement
- Leadership & influence
- Team supervision
- Decision-making
- Solutions-focused
- Multitasking
Writing, Handcrafts
I love creative writing and bead making
Timeline
Team Lead, Credit Underwriting
Credit Direct Finance Company Limited
06.2022 - Current
Credit Underwriter
Credit Direct Finance Company Limited
06.2012 - 06.2022
Loan Operator
Credit Direct Finance Limited
10.2011 - 06.2012
Bachelor of Arts - English And Literary Studies
University of Ado Ekiti
04.2001 -
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