CREDIT CONSULTANT
GRAVITY VENTURES LIMITED
Total years of experience :9 years, 11 Months
• Developed and implemented a new strategy to address specific credit issues increasing customer satisfaction scores by 20%.
• Maintained accurate information on responsible financial habits and best practices., resulting in a 98% audit compliance rate and avoiding any regulatory fines.
• Provided guidance and advise clients about credit scores, credit reports, and how various financial decisions can impact their creditworthiness, resulting in a 90% customerretention rate and positive feedback.
• Assisted clients' credit reports to understand their financial history, including credit scores, outstanding debts, and payment history.
• Identified factors that may be affecting a client's credit score negatively.
• Provided personalized advice on improving credit scores and overall financial health.
• Negotiated credit terms and conditions with creditors, resulting in a 15% increase in proposal approvals and a 10% decrease in delinquency rates.
• Analyzed financial data and credit reports to determine eligibility, maintaining a 95% accuracy rate and ensuring compliance with all applicable laws and regulations.
• Negotiated with creditors on behalf of clients to explore options for debt settlement, payment plans, or other arrangements.
• Worked to improve terms with creditors to help clients manage their debts more effectively.
• Negotiated terms and conditions of investments, resulting in a 20% increase in deal size and a 10% increase in overall revenue.
• Managed portfolios of investments for clients, resulting in a 30% increase in portfolio value over a one-year period.
• Stayed up to date on market trends and regulatory changes, providing valuable insights to clients and resulting in a 90% satisfaction rate.
• Understanding businesses, their life cycles and the various product offerings that can be given to the customer.
• Evaluated credit proposals and ensured the credit applications process on a
timely basis with the bank’s set turnaround times.
• Contributed to the development of new techniques, improvement of processes and workflows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise.
• Developed recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques.
• Researched customer and/or management queries using risk systems and data and supported ad-hoc risk policy analyses and projects, as required.
• Participated in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes, and other related initiatives.
• Managed risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management.
• Reviewed documents to identify potential risks or opportunities in order to help clients make investment decisions.
• Negotiated with business partners to resolve issues regarding delinquent accounts, late fees, interest rates, or other contract terms.
• Reviewed existing loan portfolios to assess risk levels and make recommendations for adjustments to portfolios based on changes in market conditions.
• Provided information about loan terms and conditions to borrowers and other stakeholders involved in the loan process.
• Monitored borrower accounts for delinquencies or other issues that may need to be addressed.
• Maintained relationships with lenders, borrowers, and other parties involved in transactions to ensure that all parties understand and comply with applicable policies.
• Acted as a liaison between banks and other financial institutions to arrange loans or other financing arrangements.
• Provided financial advice to small businesses on topics such as capitalization, debt management, and cash flow analysis.
• Reviewed financial records such as bank statements, tax returns, and credit applications to verify accuracy and ensure compliance with laws and regulations.
• Monitored financial markets to identify emerging risks and opportunities for
clients’ companies.
• Evaluated customer creditworthiness based on financial history, status of debts, and financial assets.
• Reviewed loan applications and determined whether to approve or deny loans based on criteria such as income levels, credit histories, and collateral offered.
• Scheduled payments, collecting payments, and monitoring delinquencies on accounts receivable to collect outstanding balances from customers.
• Prepared reports regarding delinquencies, collections, or other activities
• Ensuring that exceptional customer service standards are maintained whilst interacting with credit customers.