MARIWAN MUTALA
Heath
Summary
Performance driven individual with several years of experience within Lending products, Audit, Credit Risk and Mortgage Loan Portfolio Management who is seeking positions, Accounting, Financial reporting and Analysis where I can leverage my educational background and professional experience to contribute to the growth of the organization and my career as well.
Overview
11
11
years of professional experience
Work History
Credit Monitoring Associate
JPMorgan Chase
Plano
06.2025 - Current
- Determined whether corporate borrowers have breached covenants, have defaulted on the terms of their credit agreement
- Interpreted credit agreements and other legal documents to determine which co-borrowers, guarantors and other parties to the agreements require set up in bank's system of record for future covenant compliance evaluation
- Performed credit analysis, review documentation and monitor ongoing compliance with financial covenants within an assigned portfolio of borrowers
- Developed strong knowledge of secured lending products including borrowing base credit facilities
- Independently calculated cash flow and leverage ratios in accordance with specific terms laid out in credit agreements
- Determined the grid-based performance pricing that applies to borrower, so the bank gets adequately compensated for credit risk
- Adhered to the quality control standards that have been set for the process and to service level agreements WLS has with its internal business partners.
Credit Risk Analyst II
First National Bank
04.2019 - 06.2021
- Supervised a team of eight, generally responsible for the management of the loan portfolio of about $120 million
- Reported findings on risk exposures to senior executives and management
- Performed preliminary credit analysis on loan applications, evaluating applicants' financial information and calculation of risk ratios for presentation to credit committee
- Calculated and set loan interest rate and tenor
- Reviewed portfolio, identified risk factors and determined methods to alleviate delinquencies.
- Prepared loan reports, assessed the performance of the portfolio for presentation to management
- Reported on monthly basis to the credit bureau as required by the regulator on servicing behavior of all borrowers
- Reviewed and recommended for approval restructure requests including moratorium and forbearance
- FNB- Ghana
Regulatory Reporting Officer
First National Bank
11.2017 - 03.2019
- In the M&A transaction between the bank and First National Bank, I solely provided data on the entire mortgage loan book to the acquiror for purposes of due diligence and valuation of loan assets.
- Prepared weekly reports on various loan products, as per the regulator requirement, for presentation at Exco by the Chief Risk Officer
- Shared with Finance Department the expected credit losses and provisions
- Prepared portfolio matrix (WAS-IS) report and further determine the rollover rate.
- Shared with Finance Department a performance report based on funder lines for onward submission to long-term funders
- Prepared and shared with collections and recoveries the Daily Bucket Performance Report
- Reported on the loans for inclusion in the Electronic Financial and Surveillance System (Efass) of the Central Bank
- Reported and commented on largest exposures as well as related and connected party loans.
- Any other report required by management (Ad-hoc).
- Ghana
Audit Associate
KPMG
09.2015 - 10.2017
- Assisted in planning activities with the purpose of understanding client business
- Performed substantive analytical procedures on a wide range of financial statements line items such as revenue, cost of sales, payroll expenses and operating costs, accounts receivable, accounts payable, cash etc
- Maintained up-to-date knowledge on business and economic issues to identify and assess risk factors and determine appropriate procedures to achieve maximum audit success.
- Performed tests of implemented controls to identify control deficiencies on a wide range of financial statements line items such as revenue, receivables, expenses and accounts payables
- Conducted regular face-to-face meetings as well as video and phone calls with Finance and Accounting managers of clients to review adjustments proposed, process performance and identify needs for strategy changes in the next audit.
- Cast financial statements for errors.
- Ghana
Education
Master of Science - Financial Economics
Texas A&M University
College Station, Texas12-2022
Bachelor of Arts - Economics
University of Ghana
Legon, Ghana05-2015
Skills
- SQL
- Python
- SAS
- Excel/PowerPoint
- Pivot tables
- Data Management
- Power BI
- Tableau
Professional Affiliations And Certifications
- Data Analytics Certificate, University of Texas at Austin, 06/26
- Association of Chartered Certified Accountants (ACCA, U.K), CPA Equivalent, 12/20
- Pursuing CPA Educational Eligibility Requirements, 10/26
Timeline
Credit Monitoring Associate
JPMorgan Chase
06.2025 - Current
Credit Risk Analyst II
First National Bank
04.2019 - 06.2021
Regulatory Reporting Officer
First National Bank
11.2017 - 03.2019
Audit Associate
KPMG
09.2015 - 10.2017
Master of Science - Financial Economics
Texas A&M University
Bachelor of Arts - Economics
University of Ghana