Felix Chukwuma, B.Eng, MIT, ACCA

Experience

• 

  Bank PHB Plc

  Oct 2008 - Aug 2011

  Retail Credit Risk Analyst

  • A pioneer member of Project Retail Asset Center - A Retail Risk Management arm of the bank• Credit Risk underwriting of Consumer Credit request• Team member for the creation and marketing of the consumer credit products – Jumbo, Combo, UK Education Loan, Salad, Mortgage Loan etc.• Analyse applicant’s financial situation, the stability of income sources, credit standing and outstanding credit debts, payment records with previous loans if any.• Processing and disbursement of approved credit applications Show less

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  Keystone Bank Limited

  Aug 2011 - Oct 2019

  • Developed and implemented the Enterprise Risk Management Structure of the company. • Conducts regular risk assessments on each of the business units of KBL Insurance, a subsidiary of Keystone Bank Limited• Coordinates programs that are designed to minimize threats to the company’s strategic objectives• Reviews inherent threats to the company’s operational efficiency. • Business process review and improvement• Evaluates potential threats to the financial stability of the Company, including investment decisions and portfolio inefficiencies.• Manages and prepares all documentation related to risk assessments and reviews of standard operating procedures.• Maintains Own Risk And Solvency Assessment (ORSA) process and report of the company in line with regulatory compliance.• Prepares and maintains both internal and external data gathering for risk analysis and reporting.• Delivers regular risk analysis reports to company’s Board Risk Committee with actionable plans for avoiding or preventing potential threats at all levels. Show less • Credit underwriting and Review of risk in financing of Oil & Gas, Telecommunication, Power, Manufacturing and Engineering businesses • Business reviews of prospecting corporate and commercial borrowing clients. • Gathering information on site and assessing it. Taking photographs to back up reports• Risk identification, measuring and proffering of possible mitigations in credit lending. • Advising clients on how they can improve their risk levels• Credit Structuring of Public Private Partnership Projects• Complete loan applications, including credit analyses, financial ratios reviews and summaries of loan requests and credit recommendations• Development of Obligor Risk Rating Matrix• Head, On-lending risk management portfolio• Member of a team to create a Robust, Flexible, User-Friendly and Secured Credit Risk Management System. Show less

  • Head, Credit Risk Portfolio Analyst

    Oct 2018 - Oct 2019

  • Chief Risk Officer (CRO) KBL Insurance Limited

    Apr 2017 - Oct 2018

  • Credit Risk Analyst, Corporate and Commercial Banking

    Aug 2012 - Apr 2017

  • Credit Risk Administration, Risk Management

    Aug 2011 - Aug 2012
• 

  UBA Group

  Oct 2019 - Jan 2021

  Credit Risk Monitoring & Quality Assurance Specialist

  • Oversees the credit quality of a portfolio above $4b across 20 African Countries, UK and New York Branches.• Credit Quality Review and Assurance to ensure sound quality in the credit portfolio, ensuring compliance with policies, approval terms and conditions throughout the life of credit facilities• Monitoring early warning indicators, bringing management attention to any notable adverse credit developments to allow timely remedial actions and to prevent credit losses.• Prepare and anchor Management Criticizes Assets Committee Sections.• Continue review of credit product program for market relevance and competitiveness.• Periodic review of the impact of macroeconomic indices on the Bank's credit portfolio with appropriate recommendations to the board credit committee. Show less

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  Wema Bank Plc.

  Jan 2021 - Mar 2025

  Credit Risk Management and Quality Assurance

  • Supervised a team of 20 personnel in overseeing the Bank's Credit Risk Asset Portfolio with an NPL ratio below the industry average, consisting of projects in various sectors across the nation.• Review of Credit Risk in structured and unstructured corporate and commercial finance, inclusive of product programs, digital loans, letters of credit and guarantees.• Monitoring of Bank-financed projects for adherence to projected milestones from project conception to completion.• Monitoring of financed Goods in Transit for local transport and exportations.• Coordinates Management Criticized and Watchlist Credit Assets Committee Sessions.• Effective deployments of Credit Risk Management tools for early warning signs and monitoring.• Review and monitoring of the Bank’s digital loans (Alat) portfolio, retail and consumer products• Prepared CRO’s quarterly Board Reports on overall enterprise risk performance evaluation. Show less

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  FBNQuest

  Mar 2025 - now

  Head of Credit Risk Management