# OLUWAKEMI OLADIPO - Credit Risk Analyst | Relationship Manager (SME Credit) | Portfolio & Risk Management
Source: https://hello.cv/oluwakemioladipo
oladipooluwakemi024@gmail.com | (+234) 8168407275 | Lagos Mainland

## Links
- LinkedIn | https://www.linkedin.com/in/oluwakemi-b-oladipo/
- Email | oladipooluwakemi024@gmail.com
- Phone | (+234) 8168407275

## 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
### Relationship Manager, Business Banking | United Bank for Africa PLC
Managed and monitored a loan portfolio exceeding #600M, maintaining a default rate below 3% through proactive risk identification and monitoring.
- 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%.
### Credit Risk (Graduate Trainee) | United Bank for Africa PLC
Supported credit underwriting and loan due diligence, contributing to reduced documentation errors and enhanced lending decisions for over 20 monthly loan applications.
- 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 | Foursquare International School
Managed administrative operations and taught Civic Education, significantly impacting student enrollment, behavior, and academic performance.
- 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 | Educational Administration
### Adekunle Ajasin University | 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)
2025-08-01
### Accelerated Credit Improvement Program (ACIP)
2025-06-01
### National Youth Service Corps (NYSC)
2018-11-01

## 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

## Source
Read this profile on Hello.cv: https://hello.cv/oluwakemioladipo
Create your free profile at https://hello.cv