Stanley Ugochukwu

I have Skilled accounting and entrepreneural knowledge transitioning to credit analysis, leveraging strong financial reporting and analytical skills to assess creditworthiness and contribute to risk management.

Credit Analyst at AB Microfinance Bank Nigeria (2012-08 – 2018-07)

• Reduced non-performing loans drastically through rigorous credit assessment and monitoring.
• Increased loan disbursement above set target while maintaining portfolio quality.
• Improved credit approval turnaround time and enhanced customer satisfaction.
• Achieved portfolio growth with minimal delinquency.
• Enhanced risk assessment framework, reducing default rates through timely follow-ups.
• Increased loan recovery rate through effective follow-up and restructuring strategies.
• Reduced loan write-offs via proactive risk management.
• Achieved customer retention rate through personalized service and financial guidance.
• Received positive feedback from clients for excellent communication and support.
• Supported management in portfolio risk reduction.
• Collaborated with teams to streamline credit processes, boosting efficiency.
• Trained junior analysts, improving team credit assessment accuracy.

Team Lead at Fifthaxis Associates Ltd (2018-08 – 2021-12)

• Increased team productivity through effective guidance and task allocation.
• Developed and implemented team strategies, enhancing overall performance.
• Strengthened relationships with stakeholders, contributing significantly to increase in business opportunities.
• Ensured timely reporting and communication with management.
• Mentored team members, improving skills and performances.

Credit Manager at Edustan Associates Ltd (2022-03 – Present)

• Manage trade credit portfolio of ₦50M+ for distributors, retailers and wholesale buyers across electrical/electronics trading sector.
• Appraise customer creditworthiness using financial analysis, bank references, CAC checks, and site visits before approving credit limits and 30-90 day terms.
• Set and review customer credit limits, payment terms, and collateral requirements to balance sales growth with cash flow and FX exposure from imports.
• Monitor accounts receivable aging and DSO daily; currently maintain DSO at 35days and bad debt write-offs below 1% of credit sales.
• Drive collections through structured call-downs, reconciliations, and field visits; achieve 90% recovery rate on overdue distributor accounts.
• Collaborate with Sales and Warehouse to release stock against approved credit limits, post-dated cheques, and collateral; prevent overtrading and stock losses.
• Structure LPO/inventory financing for key dealers to support bulk orders without straining working capital or Letter of Credit facilities.
• Prepare monthly credit risk reports, aging analysis, and portfolio reviews for management with actionable insights on PAR30/PAR90.
• Ensure 100% compliance with company credit policy, approval matrix, and documentation standards for all credit sales.
• Train sales team on credit policy, red flags, and professional collections to reduce avoidable delinquency.

B.Sc. in Accounting – University of Nigeria, Nsukka (2010)