Tosin Ogunade, Mba Email & Phone Number

Richmond, Va, Us

Maintain a credit pipeline report of prospective, existing and approved guarantee applications;Work with the Credit and Underwriting Manager to evaluate guarantee applications for social impact and credit risk.Build and analyses risk scorecard using the CAMELS rating system to generate credit memo for final approval Identifies and prepares relevant information/data sources for risk analysis.Supports the process to generate business insight using quality risk data analytics.Fosters new risk data-driven approaches to generate business insight and address unanswered business problemsCollect impact data to validate and monitor the social impact of deployed guaranteesCollect credit data on outstanding guarantees to assess portfolio risk and performanceDraft and finalize effectiveness letters for underlying loan transactions on deployed guaranteesPrepare annual reports of outstanding guarantees, including but not limited to: * Risk Rating Report * Impact ReportPrepare quarterly loss report for Portfolio Parameter and Credit Committee (PAC)Develop a process that helps management identify and manage potential problems that could undermine key business initiatives or projects. Review all credit and loan applications on behalf of the Clients.Identified the possible threats that the organization face, and then estimate the likelihood that these threats will materialize.Performed Risk Analysis: Risk assessment and risk communication.Managed financial risk data for the client: Balance sheet related items to monitor risk In conjunction with Credit and Underwriting Manager, maintain guarantee exposure report for PAC; andOther LOCUS credit-related duties

Richmond, Va, Us

• Developed and maintained credit strategies, processes, and procedures. Designs and implements comprehensive tests and evaluates financial impact to drive continuous improvement Leads the process in developing, monitoring, and testing of origination and behavioral scorecards• Managed New and existing merchant portfolio monitoring, investigations and taking appropriate action in case of fraud, chargeback and compliance risk• Performed Excellent analytical skills and problem-solving skills to Challenge the status quo to generate new ideas, identifying risks upfront and initiating measures to mitigate the risks.• Analyzed credit, processing history, business financial statements, bank statements and business model and Provides reports on a regular basis, and as directed or requested, to keep senior management informed of the operation and progress of compliance efforts• Created and maintains cash flow models to assess and predict product performance• Worked with team to create and maintain accurate monthly reporting of portfolio performance and trends with recommendations to increase profitability while controlling credit risk• Mentored analysts in creating new processes or enhancing existing processes• Utilized company databases to analyze loan and customer credit risk performance

Victoria Island, Lagos, Ng

• Ensured compliance with internal controls, policies and procedures in treasury management activities• Prepared analysis on historical customer behaviors to refine the assumptions within the asset liability modeling software• Solved business problems by developing practical solutions through the application of quantitative methods• Identified process improvements within analytics, challenging existing processes where needed, and developing an overall best practice Asset-Liability Management model• Performed daily cash management activities such as review opening balances, reconcile prior day activity, determine daily cash position, initiate and process cash payments, forecast daily cash and foreign exchange requirements.• Created forecasts of net interest income over a variety of interest rate scenarios to understand the risk in the budget and forecast from market interest rates diverging from planned levels• Prepared and compiles the committee papers for the Asset Liability Support Committee and the Executive Asset Liability Committee• Executed commodity, foreign exchange and interest rate hedges (e.g., forwards, options, commodity swaps, interest rate swaps, and cross-currency swaps) as needed• Prepared reports on hedging strategies for senior management on a regular basis, including primary lead on preparing and presenting to the respective risk management committees.• Analyzed and forecasts impact that changes in commodity prices, foreign exchange rates, and interest rates will have on the corporate results.• Worked with the Sr. Treasury Manager and Treasurer on financing and refinancing projects• Liaised with domestic and international cash management financial institutions to resolves banking related issues that originate at the company• Led and/or participate in corporate special projects to develop or improve areas of cash management.• Prepared company dashboard reports of Treasury Operations-related activity.

Marina, Lagos, Ng

• Developed and maintain complex project and asset financial models that forecast detailed profit and loss, cash flows, and balance sheets.• Worked closely with operations, treasury, tax, accounting, and commercial operations to determine appropriate modeling assumptions and structuring• Performed financial analysis to determine present and future financial performance, returns and cash impacts• Gathered analyzed, prepared, and summarize recommendations for financial plans, acquisition activity, future requirements, operating forecasts, etc.• Performed economic research and studies as required in the areas such as depreciation, working capital requirements, investment performance, and impact of governmental requirements/regulations.• Traded 2-Way Quote trading in FGN BOND/NTB, arbitraging on Corporate/State Government Bonds and Recommended rates and volume for approval to present at Primary Auctions Bids for FGN Bond/NTBs.• Performed portfolio performance monitoring, daily reconciliation & management• Managed the intercompany loan process, including issuing promissory notes and supporting documentation to meet the local registration requirements

Master Of Business Administration (Mba), Finance, General

Bachelor Of Science (Bsc), Economics