Celia TOURÉ

Experience

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  Banque Atlantique

  Jan 2014 - Dec 2016

  Analyste Credit Risque

  - Counter-analysis of credit files (Financial Analysis, Writing of counter-analysis reports for the credit committee);- Project Funding Studies :• Lagoon Transport by boats, Tomato processing factory, Real estate development, Palm oil extraction factory- Credit Representative (Temporary overdraft / loans for companies <= 10M; credit files and personal lines temporary loans/overdraft < = 1M);- Monitoring engagement, Elaboration of weekly, monthly, quarterly and half yearly reports- Application of the prudential credit regulations.- Writing notifications by ensuring that the content complies with the terms and conditions of credit approval policy- Monitoring of the files processed by the credit committees- Daily compensation monitoring and processing.- Participation in the internal credit committee.- Elaboration of Product program.- Participation in the optimization project for granting consumer loans (project to be deployed in the seven subsidiaries of the Group)✓ Analysis of the existing and improvement of the costumer documentation.✓ Elaboration of a decision-making circuit on consumer loans.✓ Implementation of a commitment control system✓ Sales team training Show less

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  Société Générale Côte d'Ivoire

  Dec 2016 - Feb 2018

  Credit Risk Analyst

  - Credit Risk Assessment ;- Credit files analysis (Advise on proposal after credit risk assessment based on financial, economic and sectoral information, Elaboration of credit evaluation reports)- Project Funding Studies:• Pylons construction projects for mobile operators, Plastic Factory, Real estate development project...- Counterparts ratings in STAR WEB platform ;- Monitoring guarantees ;- Credit representative (PPO < = 25M ; PRO < = 10M ; SME < = 20M).

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  Societe Generale

  Mar 2018 - Dec 2021

  Credit Risk Analyst West Africa

  - Qualitative and quantitative risk analysis of corporates counterparts SME & Large Enterprise (Recommendation issuance on proposals as a result of financial, economic and sectoral risk assessment, proposal of terms based on the financial guarantees)- Project Funding evaluation with financial forecasts and cash flow analysis (financial modeling)• Real Estate development, Specialized private clinic in the PMA, Cocoa processing factory, Plastic processing factory, biomass thermal power plant, Road maintenance program …• EBL, Syndicate Loan…- Sectors covered: trade, distribution, services, industry, mining, energy, State, real estate, infrastructure, commodity trading and food processing, Transport, Telecoms- Qualitative and quantitative credit risk analysis for banks and micro-credit companies (Recommendation issuance based on a peer group, Credit lines proposals and terms based on the financials guarantees.- Debt restructuring cases and compute provisions- Participation in customer visits on new projects or on projects that have already been disbursed- Issuance of a recommendation in the context of signing agreements, disbursements and / or amendment requests- Other Project :• Recommendation sheet improvement and betterment• Program Product Elaboration- Ratings validation in NOVA platform- Portefolio’s credit quality control, Risk forecast- Benin and Togo Referent :• Control and Monitoring mission to ensure that the granting of authorization and the signatures meets the compliance within the subsidiaries• Monitoring of irregular quarterly commitments• Hub and subsidiary teams training• Contribution to the bank credit allowance policy- Scope of intervention includes 8 subsidiaries: Côte d’Ivoire, Senegal, Ghana (Files to be signed), Burkina Faso, Guinea Conakry, Togo, Benin, Mauritania Show less

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  Banque BHCI

  Jan 2022 - Apr 2022

  Head of credit risk analysis
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  Standard Chartered

  May 2022 - Jul 2022

  Associate, credit analyst
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  Oikocredit

  Aug 2022 - Dec 2023

  Investment Officer Financial Institutions & Inclusion | West Africa

  - Prospecting and identifying investment opportunities in the market, considering Oikocredit’s interests and investment parameters- Collecting client data, conducting due diligence and full analysis, including risk, financial and business analysis, social performance, and environmental criteria- Designing and/or reviewing and analyzing disbursement proposals, negotiating terms, preparing, and submitting proposals to various committees (Africa and Netherlands)- Portfolio monitoring and management: Quantitative and qualitative portfolio development, recovery…- Reprocessing of borrower’s financial statements to suit into international standard- Scope of intervention: Ivory Coast, Senegal, Mali, Burkina Faso, Niger, and Benin Show less

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  GuarantCo

  Jan 2024 - now

  Credit Manager