Idowu Babalola
Dallas,TX
Summary
Credit Analyst knowledgeable in credit policies and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
2
2
years of professional experience
Work History
Credit Analyst
Independent Financial
06.2023 - Current
- Complete credit analysis write-up memos and final obligor Risk Ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within risk appetite.
- Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications.
- Conduct projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources. Assess deal strengths, weaknesses and risk factors.
- Oversee periodic relationship credit monitoring including Annual Reviews (ARs). Remain current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns.
Credit Risk Analyst
Independant Financial
05.2022 - 06.2023
- Reviewing loan documents and third-party reports to determining compliance requirements. Independently and proactively monitor loans for covenant compliance and adherence to terms and conditions under the loan documents, taking a leadership role in problem solving and resolving any past due issues.
- Preparing and presenting credit recommendations for material credit actions that require credit committee approval such as loan extensions, modifications, restructures.
- Proactively identifying and escalating issues that warrant additional investigation and internal discussion such as declining performance, stressed DSCR, depleted operating reserves, and financial covenants, recommending and processing classification changes.
- Prepared detailed reports on portfolio performance, highlighting areas of concern and suggesting possible solutions for improvement.
Education
BBA - Finance
Texas Tech University
Lubbock, TX08.2022
Skills
- Risk Assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Underwriting
- Attention to Detail
Timeline
Credit Analyst
Independent Financial
06.2023 - Current
Credit Risk Analyst
Independant Financial
05.2022 - 06.2023
BBA - Finance
Texas Tech University
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