Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic

Henrietta Nwa

Houston,TX

Summary

Analytical finance professional with 4+ years applying advanced data techniques to evaluate credit risk, underwrite commercial loans, and guide strategic lending decisions. Proven success collaborating with lenders and executives to deliver accurate cash-flow models, stress tests, and policy-compliant credit packages. Certified Scrum Master who leverages Agile mindset to drive continuous process improvement.

Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Credit Analyst

Maximum Rage LLC
01.2024 - Current
  • Lead risk-assessment dashboard project—integrated operational KPIs with financial metrics in Power BI, giving executives real-time visibility and reducing assessment cycle time 30%.
  • Assessed credit risk and analyzed financial statements.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.

Business Analyst

Almond Ltd
11.2022 - 04.2023
  • Analyzed client financials & market data to identify growth drivers; insights informed loan renewal strategies and contributed to 20% YoY revenue uptick.
  • Created automated Tableau reports that flagged covenant breaches within 24 hours, enhancing portfolio monitoring and early-warning capabilities.
  • Actively participated in team meetings to share knowledge, exchange ideas, address challenges, and collaborate on potential solutions.
  • Developed high-quality documentation to support training efforts, helping employees fully understand new systems and procedures.

Credit Analyst

Export-Import Bank
07.2019 - 10.2022
  • Performed full credit analyses on export-finance facilities averaging $5-10M, incorporating borrower, guarantor, and sector data; improved loan-approval turnaround 20%.
  • Executed portfolio stress tests under multiple macroeconomic scenarios; results guided revisions to risk-grading matrix adopted bank-wide.
  • Instituted data-quality controls and governance meeting Basel II requirements, boosting data integrity 15% and passing external audit with zero findings.
  • Produced monthly reports using advanced Excel spreadsheet functions.
  • Utilized data visualization tools to effectively communicate business insights.

Legal Counsel

Export Import Bank
07.2018 - 06.2019
  • Structured and documented syndicated loan agreements and security packages totaling $200M; ensured alignment with banking regulations and internal policies.
  • Developed comprehensive compliance programs to minimize potential legal risks and ensure adherence to relevant regulations.
  • Coordinated efforts among legal team members to ensure a consistent and collaborative approach to handling company-wide legal issues.
  • Participated in policy discussions to help shape legislative proposals affecting the company''s industry from a legal perspective.
  • Provided expert legal advice on complex matters for informed decision-making and risk mitigation.

Administrative Assistant

National Judicial Council
11.2016 - 10.2017
  • Supported high-volume docket (150+ meetings/hearings monthly) and maintained confidential legal files with 25% faster retrieval time.

Education

Master of Laws (LL.M.) -

Nasarawa State University

Bachelor of Laws (LL.B.) - undefined

Imo State University

Barrister-at-Law (B.L.) - undefined

Nigerian Law School

Skills

  • Credit Underwriting & Risk Grading – commercial, CRE, C&I, SBA 7(a)
  • Financial Statement & Tax Return Spreading – Sageworks (SNL), Moody’s Risk Analyst
  • Cash-Flow & Global Debt-Service Modeling – direct, indirect, guarantor analysis
  • Collateral Evaluation & Loan Structuring – A/R, inventory, equipment, real estate
  • Portfolio Stress Testing & Sensitivity Analysis – scenario design, concentration limits
  • Regulatory Compliance – BSA/AML, CFT, OFAC, CRA; policy interpretation & training
  • Credit Memo & Committee Presentation – clear risk narrative, covenant & term sheets
  • Data & Visualization Tools – Advanced Excel (Power Query, VBA), SQL, Tableau, Power BI
  • Systems & CRM – Sageworks, Salesforce, nCino, Fiserv, Temenos, Microsoft 365
  • Process Improvement – Agile/CSM, lean workflows, user requirement gathering
  • Risk assessment
  • Credit analysis
  • Financial statement analysis
  • Credit risk

Accomplishments

  • Used Microsoft Excel to develop inventory tracking spreadsheets.
  • Resolved product issue through consumer testing.

Certification

  • Credit-Related & Technical Certifications
  • Risk Assessment for Lenders & Asset Managers – Risk Management Association (2021)
  • Certified Scrum Master – Scrum.org (2023)
  • Google Cybersecurity Prof. Cert. (2023)

Timeline

Credit Analyst

Maximum Rage LLC
01.2024 - Current

Business Analyst

Almond Ltd
11.2022 - 04.2023

Credit Analyst

Export-Import Bank
07.2019 - 10.2022

Legal Counsel

Export Import Bank
07.2018 - 06.2019

Administrative Assistant

National Judicial Council
11.2016 - 10.2017

Bachelor of Laws (LL.B.) - undefined

Imo State University

Barrister-at-Law (B.L.) - undefined

Nigerian Law School

Master of Laws (LL.M.) -

Nasarawa State University

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Henrietta Nwa