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Cell: (404) 717 - 9876
PROFILE
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Teresa Delano
309 Jefferson Creek
Dr, Alpharetta
Georgia, 30001
Cell: (404) 717 - 9876
Email: teresa@yahoo.com
PROFILE
A financial professional with global
business experience and sound knowledge of commercial lending principles, originating
and evaluating financial transactions for small, medium and large scale
organizations. Demonstrated expertise
accelerating revenue growth and profitability in world class organizations. Energetic leader with a successful track record of creating highly
cohesive, performance-driven teams by attracting “A” players, and empowering
them to deliver outstanding results.
With over nine years of experience in structuring various suitable
finance products across various industries, I have developed the talent for
designing winning strategies and deploying innovative business models to build
shareholder value.
ACCOMPLISHMENTS
·
Took lead role in underwriting a
two hundred and fifty million power plant project to supply power in the
Eastern part of Nigeria.
·
Took lead credit role in
underwriting a fifty million dollar facility for the second largest mall in
Nigeria.
·
Took lead role in underwriting
a syndicated two hundred and sixty five million dollar loan facility for the turnaround
maintenance funding for one of Africa’s largest Petrochemical Companies.
·
Took lead role in the provision
of franchisee financing for quick service restaurants in Canada, Some of the
franchisee finance provided include Pizza Pizza.
·
Commenced quarterly and annual
credit reviews in an organization where reviews had never been done and built
credit and collections team.
·
Achieved a high level of
credibility with clients and colleagues by providing creative ideas and
ensuring successful execution of tasks.
PROFESSIONAL EXPERIENCE
Standard
Bank, Nigeria (Stanbic IBTC Bank Plc) 2009 – Date
Stanbic IBTC is a member of the Standard
Bank Group - Standard Bank Group is the largest African bank by assets and
earnings).
Credit
Manager, Specialized and structured lending
Responsibilities
including: Originating, structuring and closing transactions emanating from
various industries. These include refinancing of bank debts, financial and
strategic acquisitions, large syndicated loans, Leveraged Buyouts (LBOs), green
field project finance and turnaround programs. Managed deals from initiation
through closing and monitoring stages. Actively involved in structuring,
pricing, financial modeling, credit approval, syndication, documentation and
compliance monitoring. Responsible for the training and development of new associates
joining the Underwriting Group, as well as supplemental projects focused on
developing the business group.
·
Monitor
the credit quality of a portfolio of corporate borrowers on an ongoing basis
through annual and quarterly facility reviews.
·
Arranging
and reviewing credit committee package, which includes transaction description,
company and industry analysis, financial modeling, repayment terms and
structure and analysis of how the deal fits bank’s credit criteria.
·
Coordinate
the credit process amongst the various stakeholders such as Relationship
Managers and Business units, to ensure an efficient turnaround of transactions.
·
Present
underwritten credit analysis to bank’s Credit Committee.
·
Market
bank’s products to diverse clientele and other potential business partners
including independent financial intermediaries and consultants.
Maxium
Financial Services Inc., Canada 2006
- 2009
Senior
Credit Analyst
·
Performed
financial statement, cashflow and collateral analysis, credit checks and ratings
in appraising credit requests of prospective clients.
·
Prepared
credit memoranda and presented recommendations for approval.
·
Ensured
proper underwriting standards, proper credit decisions and compliance with
policies and procedures.
·
Investigated
and assisted in setting up new vendor programs.
·
Analyzed
trends in portfolio and vendor performance in order to maintain portfolio’s
credit quality.
·
Participated
in company’s qualitative initiatives.
·
Monitored
covenant compliance and highlighted areas of impending risks.
·
Performed
financial modeling, scenario analysis and sensitivity analysis.
·
Identified
and recommended suitable lease terms, lease rates and required security
documentation in line with clients’ risk profile.
Kingscourt
Consulting Company 2004 – 2006 Finance Manager
·
Performed
monthly variance analyses of financial results including P&L, Balance Sheet
and Cash Flow figures.
·
Analyzed
product profitability and margin analysis.
·
Identified
opportunities to improve overall profitability of business segments.
·
Carried
out collections, built a team of collection specialists and trained collection,
debt renegotiation and recovery strategies.
·
Work
with sales team to determine Key Performance Indicators to provide visibility
in the competitive sales environment.
iTrade
Finance Inc., Toronto
2002 – 2004
(International trade
finance company offering services geared to support medium and smaller sized
exporters and importers.)
Credit
Manager
·
Monitored
and supervised particular accounts on an on-going basis as warranted, and
actively assisted with identifying and soliciting prospects.
·
Drafting,
presentation and negotiation of Term Sheets/Proposal Letters with prospects.
·
Reported
continuously on loan accounts for risk levels, carried out credit collections,
signaled areas of impending risks and identified potentially high risk accounts.
·
Completed
credit insurance request and Claims Request Forms for credit insurance and
liaised with insurance companies to ensure prompt and accurate payment of
claims.
·
Ensured proper Security Agreements were in place prior
to disbursement of funds.
·
Reviewed and analyzed credit bureau reports (Equifax, D&B),
aged receivables and bank references.
Investment Banking and Trust Co. Ltd (Stanbic
IBTC Bank Plc) 2000–2001
Banking Officer
·
Established
credit and overdraft facilities and monitored these facilities during their
respective terms.
·
Ensured
complete documentation of all financing agreements prior to disbursement of
funds.
·
Managed
account relationships by attending to the financing requests of clients for
other banking products and ensured that such requests are forwarded to the
appropriate department within the financial institution.
Olakunle Agbebi and Co., Legal
Practitioners 1998
– 2000
General Accountant
·
Responsible
for inputting journal entries into the general ledger systems and bank reconciliations.
·
Responsible
for settling accounts payable and collection of accounts receivable.
·
Prepared
cash receipts and controlled cash balances daily.
EDUCATION
Master of Business
Administration (MBA) 2006
-2008
Schulich School of Business, York University
Certified Public Accountant (CPA) 2006
Canadian Securities Course
2003
B. Sc. (honours) Accounting, University of
Lagos, Nigeria 1994- 1998
ASSOCIATIONS
Member, Institute of Chartered Accountants
of Nigeria
Certified Public Accountant - Delaware
State
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