Chioma Irechukwu, Credit Risk Analyst

VFD GROUP

Feb 2021 – Present

Lagos, Nigeria

Credit Risk Analyst

. Assess credit activities to identify potential financial, operational and compliance risks which warrant audit attention. . Provide projections on the impact of credit exposures in various market segments on the company’s future profitability. . Make appropriate recommendations to management to address identified weaknesses in the company’s credit policies and practices. . Participate in the review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigants to identified risks. . Analyze delinquent accounts and prepare reports on highest risk accounts including recommendations for resolution. . Assess borrower or customer’s credit worthiness and credit risk based on internal credit guidelines to determine suitable credit structuring options. . Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents. . Work closely with the finance and operations team who deal with credit and quality assurance to proactively identify problem accounts and make timely recommendations to senior management for remedial action. . Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate.

Chioma Irechukwu

Credit Risk Analyst

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