Summary
Overview
Work History
Education
Skills
Work Availability
Timeline
Moses Ehiguese

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 -

RISING SUN NURSURY AND PRIMARY SCHOOL, Lagos, Nigeria

High School Diploma -

Federal Science And Technical College , Lagos, Nigeria

Bachelor of Science - Mathematics

AMBROSE ALLI UNIVERSITY, EKPOMA, Edo, Nigeria
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

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