Andualem Abate
Fort Worth,TX
Summary
Proven Credit Analyst with a track record of evaluating and mitigating risk for Awash Bank through expert financial statement analysis and credit risk assessment. Demonstrates strong analytical capabilities and decision-making skills, ensuring optimal creditworthiness evaluations. Highly trained Credit Analyst offering excellent skills in managing issues, updating files, and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Accomplished Credit Analyst promoting more than Number years developing skills in customer service, account oversight, and collections.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Analyst
Awash Bank
Addis Ababa, Ethiopia
02.2019 - 06.2024
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Made decisions and recommendations about extending lines of credit.
- Participated in loan committee meetings to provide input on lending processes.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Complied with internal controls and government regulations.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
Administrative Assistant and Finance Officer
EY Engineering Plc
Addis Ababa, Ethiopia
10.2017 - 01.2019
- Assisted in preparation of financial reports, gathering data that contributed to budgeting accuracy.
- Facilitated training sessions for new software tools, increasing team productivity and reducing learning curves.
- Supported recruitment processes, scheduling interviews and communicating with applicants to improve hiring timelines.
- Established administrative work procedures to track staff's daily tasks.
- Prepared monthly reconciliation of bank accounts and took corrective actions on deviations.
- Reduced financial risk by implementing robust internal controls and regular audits.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
Education
Master Of Arts - Marketing Management
Addis Ababa University
Addis Ababa, Ethiopia07.2023
Bachelor Of Arts - Public Administration And Development Management
Addis Ababa University
Addis Ababa, Ethiopia07.2017
Skills
- Credit analysis
- Financial statement analysis
- Credit risk
- Verbal and written communication
- Credit Reporting
- Microsoft Excel proficiency
- Teamwork and Collaboration
- Time Management
- Self Motivation
Certification
- Modern Accountancy. April,2018
- Conventional Credit Management, IFB Credit Management. August,2022
- Credit Management.January, 2024
Languages
English
Professional Working
Timeline
Credit Analyst
Awash Bank
02.2019 - 06.2024
Administrative Assistant and Finance Officer
EY Engineering Plc
10.2017 - 01.2019
Master Of Arts - Marketing Management
Addis Ababa University
Bachelor Of Arts - Public Administration And Development Management
Addis Ababa University