Tomilola Boladale

Experience

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  Sterling Bank Plc

  Jan 2015 - Oct 2019

  • Ensures that all credit facilities across all the Business Units (Retail, Commercial, Corporate and Institutional) along the lending cycle (approval, disbursement and repayment) complies with the Bank’s credit policies and other regulations and propose corrections for any exceptions (if necessary).• Verifies that all required documentation related to credit contracts between the customer and the Bank are in the credit file.• Appraise and approve the Bank’s internal credit rating systems and risk assessment models.• Assess all internal policies, product papers, systems and procedures relating to credit and process amendment for their improvement (where necessary).• Perform site visits to the business units to review lending portfolio and the issuance of reports regarding the lending portfolio.• Monitor loan portfolios to ensure non-performing loans are not above the Bank’s acceptable threshold.• Ensure the classification & provisioning of loans are in line with regulatory standards and the Bank’s policy.• Monitor delinquent loans by analysing reason of default and keeping track of defaulted customers. Show less • Guide Relationship Managers (RM) to provide relevant information or documents that are required in the processing of Credit for clients to ensure creation of quality risks assets.• Review of credit requests, investigation of past credit records of potential clients, in depth analysis of credit requests to identify inherent credit, business and financial risks that might affect or impair repayment of the loan.• Detailed analysis of audited annual reports, cashflow statements and other important financial data to evaluate the financial status of clients.• Conduct risk acceptance evaluation and assign risk rating in line with approved risk classification guidelines.• Recommending appropriate structures for credit requests, stating security and repayment terms thereby ensuring quality loans/risk assets are created.• Prepare reports based upon findings to help make decisions on lending.• Quarterly review of the banks loan book and stress test/scenario analysis Show less

  • Credit and Recovery Monitoring Officer

    Jun 2019 - Oct 2019

  • Credit Risk Analyst

    Jan 2015 - Jun 2019
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  CIBC

  Dec 2019 - Mar 2021

  Dispute and Credit Representative
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  Scotiabank

  Mar 2021 - Aug 2022

  Credit Specialist