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Click here or scroll down to respond to this candidateCandidate's Name
Credit Risk AnalystPHONE NUMBER AVAILABLE EMAIL AVAILABLE LINKEDIN LINK AVAILABLE New York, USA PROFESSIONAL SUMMARYWorking 8 years in the Financial and Marketing industries, I have chosen a career path as Credit Risk Analyst exploring the knowledge in financial statement analysis, risk assessment, evaluating loan applications, and evaluating creditworthiness of clients. Through the last years and many full-time responsible career roles in Germany, Ghana and in the United State, I am able to assess creditworthiness of borrowers, develop credit policies and procedures, and analyze financial statement. SKILLSS Customer Relationship Management (CRM) software: Salesforce, Budgetary Management, Financial Data Analysis, Microsoft office (Excel, Word & Power point), Python & R programming, SQL, Power BI, Tableau, data visualization. Strong analytical skills, detail-oriented, excellent presentation and communication skills, problem-solving skills etc. PROFESSIONAL EXPERIENCE AND ACHIEVEMENTSOctober 2022 November 2023: Credit Risk Analyst (Internship) UniCredit Bank AG Dsseldorf Germany Implemented credit risk assessment models that reduced the organizations bad debt write-offs by 30%. Developed credit policies and procedures which reduced credit losses by 25% within 6 months in 2023. Performed financial reviews to determine creditworthiness of borrowers and assessed the probability of default. Ensured that all credit extensions are made in compliance with lending policies and regulatory guidelines. Interacted with loan applicants, brokers, and attorneys in person, through e-mail and over the phone. August 2019 September 2022: Data Scientist/Analyst Gorilla Berlin - Germany Wrote SQL and Python Scripts for Data Warehousing, extracted, transformed, and loaded data, (ETL) writing. Created models with data, calculated metrics, documented and reported findings for executive decision making. Built Dashboard, Visualized data to support business operations. Processed, cleansed, and verified the integrity of data used for analysis. Performed ad-hoc analysis and presented results in a clear manner. June 2017 July 2018: Business Development & Sales associate Cuisine of Asia (COA) Hamburg Germany Identified, and executed growth strategies leading to 35% growth of company's customer base and revenue. Built and maintained relationships with clients, partners, and key stakeholders resulting in a 20% sales growth. Facilitated effective communication, and collaboration that lead to 15% decrease project timeline. Explored new business strategic opportunities which generated $300, 000 sales and revenue growth in 2018. Provided administrative and project support for both sales leadership, vendors, and sales team. May 2011 August 2014: Area Account Developer Mobile Telecommunication Corporation/MTN Group Cape Coast Ghana Improved sales output by 25% through effective management of sales operations team. Managed marketing and financial budget resulting in an increase of 50% brand awareness and visibility. Recruited, trained, and effectively managed sales operations team. Supervised all aspects of sales operations, including sales planning, and improved customer experiences. EDUCATION AND CERTIFICATION2024 (Expected): FinTech certification & Business Intelligence and Data Analyst; Corporate Finance Institute - Online. Certified Salesforce Administrator Certification (Scheduled for April 2024); Trailhead- Online. September 2022: Master of Science, International Business Administration; European University of Viadrina - Germany & University Of Vaasa- Finland.June 2017: Master of Science in Finance (Degree in Financial Investment and Risk Mgt.); University of Siena Italy. May 2011: Bachelor of Science Mathematics and Business Administration; University of Cape Coast Ghana. |
