Hawa Sanogo

Credit Analyst, Financial Services, Insurance Advisor

I am an experienced Credit Analyst and Financial Services Representative with over 4 years loan underwriting, Cost Management and Financial statements Accounting and Insurance advisory equipped with technical support, excellent customer service and sales experience.

HIGHLIGHTS OF QUALIFICATIONS
• Experience in Credit Risk analysis supporting the credit risk methodology to facilitate decisioning and analysis of all types of credit information to support lending decisions and processes and change control management.
• Equipped with knowledge in making credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with required Policies & Procedures.
• Ability to work with individuals at all levels of the organization including senior level management.
• Experience in working with highly sensitive and confidential information.
• Excellent communication, cash handling, leadership, mentoring, coaching and training, problem solving, analytical, research, negotiation, conflict resolution, presentation and public speaking skills gained from professional training and years of industry related work experiences in functional areas such as client service delivery.
• Excellent record of Client/Vendor Relationship Management with great customer service skills to effectively educate customers on products and services offered.
• Demonstrated ability to remain self-motivated and able to manage stress effectively.

TECHNICAL SKILLS
• Experience working with various computer operating systems and applications including Windows and Apple software such as Microsoft Office and Google Suite such as Word, Excel, Power Point, Outlook, Microsoft Teams, Publisher.
• Adobe, Salesforce, Decision edge, SAGE, Power term (ADM &TS2) Jira, SAP, QuickBooks, Zoom, Skype and SharePoint etc.
• Credit Strategy- Expert knowledge in underwriting tools assessing Credit reports using Equifax and TransUnion.

Experience
SENIOR CREDIT RISK ANALYST | FLEXITI FINANCIAL | JAN 2020 TO DATE
• Providing exceptional customer service while responding to all inbound risk inquiries; including pending applications due to fraud or credit risk, Credit Limit increases, Fraud/Dispute inquiries.
• Floor Support – assisting team, answering questions, and providing support for challenging calls or reviews. Real time service level management, workflow assignments, live call listening and coaching.
• Adjudication- Assessing credit worthiness of prospective customers and approving / recommending and negotiating credit terms and limits appropriate to the customer’s requirements and ability based on credit guidelines.
• Perform all credit limit reviews, reinstatements and account maintenance.
• Processing transactions including refunds and interest charge reversals.
• Initial fraud review of applications and taking appropriate action.
• Handling escalation calls, client escalations and Credit escalation reviews.
• Validate and verify applicants over the phone to mitigate application fraud.
• Review supporting documentation to confirm applicant identity and assess Income.
• Reviewing customer requests for increased credit limit assignment
• Supporting merchants in processing and completing the application process for point of sale/real time credit application process.
• Adhering to established departmental escalation procedures, Quality Standard Guidelines defined by the client, and requirements and controls in relation to PCI compliance standards.
• Reporting customer feedback by adhering to established escalation matrix.
• Liaising effectively with other areas that impact the Credit Department.

GUEST SERVICE ASSOCIATE SUPERVISOR (Part time) | ARTISANO BAKERY CAFÉ | APRIL 2017 TO MARCH 2020
• Facilitated optimal customer service with friendly, personable attitude, identify and assess customers’ needs to achieve satisfaction.
• Cash handling, balance drawers and placed inventory orders.
• Calculated total payments received during a period and reconcile with total sales.
• Advised clients accordingly upon request.
• Store merchandiser i.e. loaded up the shelves with goods.
• Maintained checkout area for prompt and accurate processing of the customer’s order.
• Handled complaints provide appropriate solutions and alternatives within the time limits; follow up to ensure resolution.

INSURANCE ACCOUNT REPRESENTATIVE | DESJARDINS INSURANCE AGENCY | JUNE 2019 TO SEPT 2020
• Provided service to clients’ changing insurance needs by selling life, health, auto, home, tenants and disability insurance etc.
• Completed coverage by delivering policy, planning future follow-up visits with clients, and evaluation of needs.
• Developed coordinated protection plans by calculating and quoting rates for immediate coverage action and long-term strategy implementation while communicating with adjusters.
• Worked with clients to determine their needs and financial situations by scheduling fact-finding appointments and determining the extent of present coverage and investments while developing meaningful interactions.
• Provided prompt, accurate, and friendly customer service. Service included responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers and billing clarification.
• Generated new business by Identifying and soliciting potential clients through developing leads and marketing of appropriate products and services.
• Monitored insurance claims and responded to client queries.
• Established methods of payments for clients renewing policies.
• Provided continuing service by providing direct deposit forms, processing changes in beneficiary, and analyzing policy loan applications.
• Provided death benefits by delivering policy proceeds and reassessing client needs.

ACCOUNTS ASSISTANT | GRIZZLY MINING LIMITED | JUNE 2015-AUG,2016
• Maintained a petty cash float of $3,000.00 for money used for company purchases.
• Issued bank cheques to company suppliers.
• Recorded sales and prepared financial reports for the Finance manager.
• Attended to customer queries.
• Paid out wages to casual employees.
• Bank errands: deposited sales money, issued managers cheques & bank letters.

CUSTOMER SERVICE & RECEPTIONIST | ONTARIO FARMS LTD | JAN 2013-JUN 2015
• Performed Administrative duties such as responding to emails, Faxed confidential documents, printing, scanning, Photo copying.
• Made reservations on behalf of clients.
• Marketed products and services offered by company.
• Managed large amounts of incoming calls & generated leads.
• Identified and assessed customers’ needs to achieve satisfaction.
• Processed payments for incoming orders.

LANGUAGES
• Fluent in English
• Knows some French- Currently undertaking additional lessons.

References will be available upon Request.

Education
BACHELOR OF COMMERCE | MONASH UNIVERSITY
• Majored in Finance and Accounting (Completed December 2015)
BUSINESS MANAGEMENT | THE HUMBER INSITUTE OF TECHNOLOGY & ADVANCED LEARNING (Toronto)
• Diploma in Business Management, Financial Services (Completed- December,2018)
BUSINESS ADMINISTRATION | YORKVILLE UNIVERSITY(Online)
• Master of Business Administration (In progress)

CERTIFICATIONS
Certified Insurance Consultant License- (OTL) issued on February 18,2020
by Financial Services Regulatory Authority of Ontario.