Orebowale Obasa
Dallas-Fort Worth,TX
Summary
Credit Risk & Underwriting Professional with 4+ years of experience supporting commercial and middle-market portfolios through end-to-end credit analysis, underwriting, and portfolio monitoring. Proven track record in Credit Approval Memo (CAM) preparation, financial modeling, stress testing, and risk rating assessments within regulated banking environments. Experienced inpartnering with Banking, Risk, and Credit teams to deliver sound credit decisions aligned with internal policy and governance standards.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Review Specialist
Comerica Bank
Dallas, USA
01.2023 - 01.2026
- Executed end-to-end credit underwriting analysis for commercial loan requests, including financial statement spreading, cash flow modeling, projections, and stress testing.
- Prepared and supported Credit Approval Memo (CAM) packages for new transactions, renewals, and amendments, ensuring full compliance with internal credit policy and documentation standards.
- Led annual and periodic credit reviews, including risk rating assessments, covenant testing, and exposure analysis across assigned portfolios.
- Monitored portfolio performance and identified emerging credit risks and covenant breaches, escalating issues and recommending risk mitigation strategies.
- Partnered with Relationship Managers, Portfolio Managers, and Credit Officers to evaluate transaction structures and assess risk/return trade-offs.
- Streamlined financial analysis and reporting processes, improving efficiency and documentation accuracy by 25%.
- Supported credit documentation review and loan closing processes, ensuring approved credit terms were accurately reflected and executed.
Credit Analyst - Commercial Credit
Amegy Bank Of Texas
Dallas, USA
01.2022 - 12.2022
- Analyzed borrower financial statements, cash flow forecasts, and collateral positions to support commercial credit underwriting decisions.
- Assisted in structuring loan terms, covenants, and conditions to balance client objectives with credit risk standards.
- Drafted underwriting summaries and credit memoranda for review by senior credit officers and credit committees.
- Supported quarterly and annual portfolio reviews, including covenant compliance testing, trend analysis, and risk rating updates.
- Monitored portfolio performance and flagged deteriorating credit metrics and emerging industry risks.
- Collaborated cross-functionally with Relationship Managers and Credit teams to complete due diligence and address credit inquiries.
- Improved credit review cycle time by 18% through development of standardized financial modeling templates.
Credit Risk Analyst - Corporate & Commercial Lending
BOK Financial - Bank Of Texas Division
Houston, USA
08.2020 - 11.2021
- Conducted credit underwriting and risk analysis for a portfolio of 50+ commercial and middle-market clients across diverse industries.
- Analyzed financial statements, cash flows, and credit reports to assess obligor creditworthiness and transaction risk.
- Prepared detailed credit memoranda and risk assessments to support lending decisions and credit committee approvals.
- Supported portfolio monitoring and early warning indicator analysis, contributing to ongoing risk rating reviews.
- Identified elevated risk exposures in higher-risk sectors, leading to proactive risk rating adjustments prior to loss events.
- Partnered with Relationship Managers and credit control teams to support underwriting, reviews, and documentation processes.
- Enhanced documentation standards and risk scorecard templates, reducing credit review errors by 15%.
Skills
Core Credit & Underwriting Skills
- Credit Underwriting & Portfolio Management
- Financial Statement Analysis & Cash Flow Modeling
- Credit approval memo (CAM) preparation
- Risk Rating Methodologies & Stress Testing
Risk & Governance
- First Line of Defense Credit Support
- Credit Policy & Regulatory Compliance
- Internal controls and documentation standards
Certification
Moody’s Credit Analysis Certificate
RMA Credit Risk Certification (CRC)
S&P Global Credit Risk Fundamentals Certification
RMA Credit Risk Certification (CRC)
S&P Global Credit Risk Fundamentals Certification
Timeline
Credit Review Specialist
Comerica Bank
01.2023 - 01.2026
Credit Analyst - Commercial Credit
Amegy Bank Of Texas
01.2022 - 12.2022
Credit Risk Analyst - Corporate & Commercial Lending
BOK Financial - Bank Of Texas Division
08.2020 - 11.2021