KAFIA DHHAIBA

Rio Tinto

Summary

Dynamic Credit Analyst with proven expertise at BANK, specializing in credit risk assessment and financial analysis. Demonstrated strong decision-making skills while evaluating loan applications and ensuring compliance with regulatory standards. Proficient in financial reporting and adept at managing multiple files under tight deadlines, driving successful outcomes in portfolio management.

Overview

years of professional experience

Work History

Credit Analyst

BANK

11.2024 - Current

Assessed credit risk and analyzed financial statements.
Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Analyzed credit scores to determine borrowers' creditworthiness.
Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.

Portfolio Manager

Baobab Microfinance Company

02.2019 - 10.2024

_more than 280 € million of assets .

-Conducted portfolio risk analysis using various software.

-Monitored portfolio performance and identified opportunities to increase returns.

_Analyzed loan application files to assess client eligibility and financial risk .

_Reviewed financial statements and supporting documents to ensure accuray and policy compliance .

_Made decisions on loan approval or rejection based on detailed credit evaluation .

_Ensured timely and accurate docu,entation in accordance zith regulatory standards .

Education

High School Diploma -

ISG TUNISIE

TUNISIE

05-2017

Skills

Financial Reporting
Sage accounting
Strong knowledge of credit analysis and risk assessment
Experience reviewing and evaluating loan applications
Proficient in analyzing financial statements and supporting documents
Familiar with internal lending policies and regulatory compliance

Excellent decision-making and problem-solving skills
High attention to detail and accuracy in documentation
Effective communication and teamwork with internal departments
Ability to manage multiple files under tight deadlines
Skilled in using office software and financial tools (eg, Excel)

Languages

Arabic

Bilingual or Proficient (C2)

French

Bilingual or Proficient (C2)

English

Upper intermediate (B2)

Timeline