Moses Ehiguese
Sandton Court, No. 12 Nyaniba Link Osu, Accra
Every problem is a gift—without problems we would not grow.
Tony Robbins
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
11
11
years of professional experience
Work History
Credit Manager
Autochek Ghana
02.2022 - Current
- Oversee reporting, documentation, and recordkeeping requirements for department.
- Liaised with sales and operations team to ensure 200% sales growth in units and GMV over 3 months
- Achieved and maintained maximum of 1%
portfolio at risk across 9months - Surpass regional targets on quarterly basis
- Developed strategies to expedite payments and customer resolutions.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Optimized credit approval and collection processes, improving operational efficiencies by over 120%.
- Referred delinquent accounts to collections department or outside resources.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Obtained and reviewed credit reports, credit references, credit insurance, and financial statements to establish credit limits for new accounts.
- Reviewed and analyzed loan procedures.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Increased company financing assets portfolio size by 134% in 9months
Credit Analyst
Autochek Nigeria
09.2021 - 01.2022
- Surpass team targets with quarterly appraisal score above 90%
- Maintain a significantly low portfolio at risk below 5% o
- Conducted financial reviews of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Ensure required assets are inspected and suitable for financing
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Gathered loan documentation for underwriting.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Developed credit models to assist in the credit decision process
- Manage a team of portfolio officers with standout performance month on month
- Negotiated payment plans and loan terms with delinquent customers
- Ensure all KYC requirements are met by customer
Portfolio Manager / Liaison Officer
Autochek Nigeria
10.2020 - 08.2021
- Developed and implemented performance improvement strategies and plans to promote continuous improvement.
- Performed system analysis, documentation, testing, implementation, and user support for platform transitions.
- Assessed credit risk and analyzed financial statements.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Gathered loan documentation for underwriting.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine the level of risk involved in extending credit.
- Developed rebalancing strategies to minimize risk exposures.
Assistant Credit Analyst/Liaison Officer
Cheki Nigeria
02.2019 - 09.2020
- Assessed credit risk and analyzed financial statements
- Ensured customers provide necessary loan documentation for underwriting
- Conducted financial reviews of customer lines of credit by assessing company financials and initiating credit application reviews
- Improved understanding of financial statements, which helped in assessing risk
- Complied with internal controls and government regulations
- Maintained up-to-date knowledge of product and service changes
- Developed and implemented liaison initiatives to facilitate communication between departments and stakeholders
- Collected and analyzed data to identify trends and opportunities for improvement
- Assisted in resolving conflicts between parties, providing mediation and negotiation tactics
Customer Service Representative/Telesales Agent
Cheki Nigeria
04.2018 - 02.2019
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Leveraged sales expertise to promote products and capitalized on upsell opportunities.
- Facilitated timely delivery of special projects to meet organizational and departmental objectives.
- Conducted customer research using qualitative surveys to understand consumer opinions.
- Exceeded goals through effective task prioritization and great work ethic.
- Liaised with customers, management, and sales team to better understand customer needs and recommend appropriate solutions.
- Resolved over 30 calls, and emails per day, addressing customer inquiries, solving problems, and providing product information
Data-Entry Intern
NIMASA
07.2015 - 01.2016
- Delivered clerical support by handling range of routine and special requirements.
- Achieved management recognition by designing and implementing special projects
- Upheld office schedule and calendar to coordinate workflow and meetings.
- Maximized productivity by analyzing protocols and identifying areas for improvement.
- Completed research, compiled data, updated spreadsheets, and produced timely reports.
- Created reports detailing all aspects of inventory, including costs, deliveries, and usage.
- Helped team meet regulatory requirements by coordinating documentation and filings.
- Collected, prepared, and cleaned research data to create representative graphs and charts highlighting results for presentations
- Analyzed, interpreted, and converted statistics into charts and graph reports to present research findings at meetings.
- Ensured all monthly and comprehensive quarterly business reports are created for management review
Customer Service Agent
MultiChoice
08.2012 - 12.2012
- Ensured clear communication with customers while presenting solutions to their issues
- Demonstrated high attention to detail, organization, and ability to manage multiple tasks and projects
- Adapted to new applications and maintained knowledge of current technologies
- Responded to over 60 calls and attend to questions via LiveChat during shifts
- Resolved customers' issues by implementing viable solutions, and escalated unresolved problems to upper management
Education
First School Leaving Certificate -
High School Diploma -
Bachelor of Science - Mathematics
2017
Skills
- Data Entry and Maintenance
- Time Management
- Analytical skills
- Troubleshooting
- Critical thinking
- Credit Risk
- Loan Recommendations
- Experienced With Excel
- Financial Statement Review
- Collateral Risk
- Customer Relations
- Data Protection
- Risk Analysis
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Credit Manager - Autochek Ghana
02.2022 - Current
Credit Analyst - Autochek Nigeria
09.2021 - 01.2022
Portfolio Manager / Liaison Officer - Autochek Nigeria
10.2020 - 08.2021
Assistant Credit Analyst/Liaison Officer - Cheki Nigeria
02.2019 - 09.2020
Customer Service Representative/Telesales Agent - Cheki Nigeria
04.2018 - 02.2019
Data-Entry Intern - NIMASA
07.2015 - 01.2016
Customer Service Agent - MultiChoice
08.2012 - 12.2012
RISING SUN NURSURY AND PRIMARY SCHOOL - First School Leaving Certificate,
Federal Science And Technical College - High School Diploma,
AMBROSE ALLI UNIVERSITY, EKPOMA - Bachelor of Science, Mathematics