OLUWAKEMI OLADIPO

Credit Risk Analyst | Relationship Manager (SME Credit) | Portfolio & Risk Management

Lagos Mainland, NG.

About

Results-driven Banking professional with over 3 years of experience in SME and consumer lending, transitioning into Credit Analysis, Relationship Management, and Portfolio & Risk Management. Proven track record in managing over #600M loan exposure while maintaining a default rate below 3%, leveraging data-driven credit assessment and proactive risk detection to enhance asset quality. Adept in financial analysis and regulatory compliance (CBN, AML/CFT), currently advancing expertise through professional certifications in Credit Risk Management and Portfolio Strategy.

Work

United Bank for Africa PLC

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Relationship Manager, Business Banking

Lagos, Lagos State, Nigeria

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Summary

Managed and monitored a loan portfolio exceeding #600M, maintaining a default rate below 3% through proactive risk identification and monitoring.

Highlights

Managed and monitored a loan portfolio exceeding #600M, maintaining a default rate below 3% through proactive risk identification and monitoring.

Assessed the creditworthiness of 50+ SMEs monthly across diverse industries utilizing financial and bank statement analysis to support data-driven lending decisions.

Facilitated the disbursement of a #100 million loan within 48 hours by conducting efficient credit analysis and streamlining approval processes.

Ensured 100% adherence to CBN, AML/CFT, and Data Protection regulations, preventing operational risk and penalties across all transactions.

Collaborated with compliance, product, and legal teams to improve credit processes and enhance lending efficiency by 70%.

United Bank for Africa PLC

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Credit Risk (Graduate Trainee)

Lagos, Lagos State, Nigeria

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Summary

Supported credit underwriting and loan due diligence, contributing to reduced documentation errors and enhanced lending decisions for over 20 monthly loan applications.

Highlights

Supported credit underwriting and loan due diligence, reducing documentation and processing errors by 30%.

Reviewed and analyzed over 20 loan applications per month, applying financial statement analysis to ensure consistent and sound lending decisions.

Assisted in developing risk-based lending approaches, strengthening repayment performance and reducing defaults by 70%.

Advised clients on credit strategies, improving loan approval success rates by 50% and strengthening repayment behaviour.

Drove account growth by securing over 250 new individual and corporate accounts within a three-month period.

Volunteer

Admin. Manager/Civic Education Tutor

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Foursquare International School

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Managed administrative operations and taught Civic Education, significantly impacting student enrollment, behavior, and academic performance.

Highlights

Increased student population by 50% through effective marketing and stakeholder engagement strategies.

Reduced classroom behavioural referrals by 40% through the implementation of a positive reinforcement system.

Conducted policy enforcement and risk management strategies for over 150 students, ensuring operational efficiency.

Raised class average in Civic Education by 30% through the implementation of targeted, data-driven interventions.

Education

University of Lagos

Lagos, Lagos State, Nigeria
M. Ed Educational Administration

Adekunle Ajasin University

Akungba Akoko, Ondo State, Nigeria
B. Ed Educational Management

Certificates

Institute of Chartered Accountants of Nigeria (ICAN)

(In Progress)

Chartered Risk Management Institute of Nigeria (CRMI)

(In Progress)

Designate Compliance Professional (DCP)

Accelerated Credit Improvement Program (ACIP)

National Youth Service Corps (NYSC)

Skills

Core Banking Tools

Finacle.

Bank and Financial Statement Analysis

Bank Statement Analysis, Financial Statement Analysis.

Loan Application Review & Risk Assessment

Loan Application Review, Risk Assessment.

SME Loan Underwriting (Secured/Unsecured)

SME Loan Underwriting, Secured Loans, Unsecured Loans.

Loan Structuring and Credit Memo Preparation

Loan Structuring, Credit Memo Preparation.

Portfolio Management & Client Engagement

Portfolio Management, Client Engagement.

Credit Policy and Decision Rule Development

Credit Policy Development, Decision Rule Development.

Data Analytics

Excel, Data Interpretation.

Regulatory Knowledge

CBN, AML/CFT, Data Protection Guidelines.

Reporting & Presentation

Preparing Periodic Reports, Presenting Periodic Reports.