Keen interest in the world of financial markets and Banking
Emmanuel Wilson
Newark,NJ
Summary
Adept at navigating complex financial landscapes, I enhanced credit risk analysis and loan processing efficiency at GCB Bank, Head Office. Leveraging expertise in financial statement analysis and problem-solving, I significantly improved loan approval rates and customer satisfaction. My proactive approach and Microsoft Excel proficiency streamlined operations, underscoring my commitment to excellence and strategic risk management.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Credit Risk Analyst
GCB Bank, Head Office
05.2017 - 07.2023
- Conducted comprehensive credit analyses for over 30 clients monthly, resulting in a 15% increase in approved credit applications.
- Reviewed financial statements and credit reports, achieving a 16% reduction in default rates by implementing more stringent credit assessments.
- Collaborated with the sales team to develop tailored credit solutions, leading to a 40% increase in customer satisfaction ratings.
- Prepared detailed credit reports, resulting in a 20% faster approval process for credit decisions.
- Monitored the credit portfolio regularly, identifying potential issues early and reducing late payments by 25% through proactive communication with clients.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit. This reduced delinquency by some 10% and enhancing profitability by 15%
Loans Officer
GCB Bank, Head Office
05.2007 - 04.2017
- Manage a portfolio of over 700 clients, providing guidance throughout the loan process, leading to a 25% increase in client retention.
- Analyze credit reports and financial documents, achieving a 90% approval rate on eligible applications.
- Develop customized loan solutions, resulting in a 30% increase in client referrals year-over-year.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction and 25% increase in retention rates.
- Processed and approved a variety of loan applications, achieving a 90% approval rate and reducing processing time by 20%.
- Collaborated with underwriting and legal teams, leading to a 15% increase in successful loan closures.
- Ensure compliance with regulatory authorities leading to a 100% compliance rate during audits.
- Negotiated favorable loan terms with borrowers, increasing overall profitability for the company and reducing delinquency by some 8%.
Education
Master of Science - Finance
Temple University
Philadelphia, PA05-2024
Bachelor of Arts - Economics With Statistics
University of Ghana
Accra, Ghana05-2004
Skills
- Compliance assessments
- Collateral risk
- Loan recommendations
- Credit validations
- Delinquency monitoring
- Risk Assessment
- Financial statement review
- Credit analysis
- Cash Flow analysis
- Financial statement analysis
- Microsoft Excel proficiency
- Financial statements expertise
- Investment Analysis
- Quantitative Analysis
- Problem-Solving
Certification
Aspiring to add the following certifications to my repertoires: Advanced Credit Analysis Certification- Moody's Analytics, FMVA, FRM
Interests
Timeline
Credit Risk Analyst
GCB Bank, Head Office
05.2017 - 07.2023
Loans Officer
GCB Bank, Head Office
05.2007 - 04.2017
Aspiring to add the following certifications to my repertoires: Advanced Credit Analysis Certification- Moody's Analytics, FMVA, FRM
Master of Science - Finance
Temple University
Bachelor of Arts - Economics With Statistics
University of Ghana
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