Manager, Commercial Credit Solutions - Assiniboine Credit Union
(2023-01)
- Provide strategic leadership for credit risk and adjudication, ensuring lending practices, portfolio oversight, and risk management activities align with organizational goals, risk appetite, policies, and regulatory expectations while supporting responsible, member-focused credit decisions.
- Lead the analysis and adjudication of complex commercial and syndicated lending transactions, providing effective guidance, independent challenge, and recommendations on significant credit exposures, policy exceptions, restructurings, and emerging portfolio risks.
- Monitor portfolio performance, trends, concentrations, and emerging credit risks through annual and quarterly reviews, data analytics, and reporting; provide actionable insights and recommendations to senior management and Credit Committees to support informed decision-making.
- Collaborate with Executive Management, Business Banking, and cross-functional leaders to identify, assess, and respond to credit risks and strategic opportunities, providing credit risk expertise to business development, lending initiatives, organizational projects, and quality loan growth.
- Support the development and continuous improvement of credit risk policies, standards, governance, reporting, adjudication, portfolio monitoring, and credit processes, while driving initiatives that strengthen operational effectiveness, consistency, service levels, and member experience.
- Foster strong relationships with lending teams, regulators, auditors, legal counsel, syndication partners, and other stakeholders, providing credit risk expertise and practical guidance; lead, coach, and develop Credit Risk team members to promote accountability, collaboration, sound credit judgment, and continuous professional development
Senior Credit Adjudicator - Curo Financial Technologies (Flexiti Canada)
(2022-08 - 2022-12)
- Adjudicated diverse credit applications ensuring alignment with organizational risk appetite and policies.
- Partnered with Relationship Managers to structure credit facilities and maintain portfolio quality.
- Supported business growth while ensuring compliance with credit risk philosophy and service standards.
- Reviewed and analyzed mid-market and corporate credit portfolios, providing recommendations for risk optimization.
- Supported credit adjudicators with structured analysis of industry-specific transactions.
- Developed process improvements enhancing credit decision turnaround times.
- Maintained a database of all borrowers in accordance with bank standards and ensured that all credit and loan standards were applied.
Manager, Credit Risk Management - Access Bank Plc, Lagos, Nigeria - Lagos, Nigeria
(2018 - 2022)
- Managed corporate and capital markets loan portfolios, ensuring strong asset quality and compliance with risk appetite.
- Lead the assessment, management, and mitigation of credit risk across the lending portfolio, ensuring decisions align with organizational risk appetite, policies, and regulatory requirements.
- Provide independent review and challenge of complex and significant credit exposures, policy exceptions, restructurings, and new lending proposals.
- Monitor portfolio performance, trends, concentrations, and emerging risks, identifying early warning indicators and recommending appropriate mitigation strategies.
- Support the development, review, and continuous improvement of credit policies, risk standards, governance frameworks, reporting, and controls.
- Partner with senior management, lending teams, regulators, auditors, legal counsel, and other stakeholders to provide credit risk expertise, support sound business decisions, and enable quality loan growth.
- Lead, coach, and develop credit risk teams while driving process improvements, analytics, and strategic initiatives that strengthen risk management, operational efficiency, and member experience.
Commercial Credit Adjudicator - Access Bank Plc, Lagos, Nigeria - Lagos, Nigeria
(2011 - 2018)
- Adjudicate complex commercial, real estate, leveraged, and syndicated lending transactions, applying sound credit judgment and expertise in the Cs of Credit, financial analysis, cash flow, repayment capacity, capital structure, and collateral.
- Independently assess credit risk, financial performance, repayment capacity, key risks, and mitigants, ensuring lending decisions align with risk appetite, policies, and regulatory requirements.
- Prepare and present credit recommendations to senior management and Credit Committees, providing clear analysis, risk assessment, mitigants, and recommendations on significant exposures and policy exceptions.
- Collaborate with Business Banking and cross-functional stakeholders to structure sound lending solutions, support quality loan growth, and provide effective credit guidance and challenge.
- Monitor portfolio quality and emerging risks through periodic reviews, financial analysis, and covenant monitoring, identifying early warning indicators and recommending appropriate risk mitigation.
- Ensure timely and consistent credit decisions while maintaining strong credit governance, documentation standards, regulatory compliance, and service-level expectations.
Commercial Credit Risk Analyst & Portfolio Management - Access Bank Plc, Lagos, Nigeria - Lagos, Nigeria
(2011 - 2018)
Relationship Management Officer/ Branch Operations - Access Bank Plc, Lagos, Nigeria - Lagos, Nigeria
(2008 - 2011)
