I am an experienced financial professional with over 6-7 years of expertise as a Loan Officer, Credit Analyst, and Finance Support Analyst. I am skilled at assessing credit risks, conducting financial analysis, and enhancing processes. My track record demonstrates my ability to structure financing solutions, mitigate risk, and optimize financial workflows to achieve positive outcomes for clients and stakeholders. I thrive in dynamic environments and possess a holistic understanding of financial operations. I have a passion for continuous learning and am ready to leverage my diverse skill set and industry knowledge to contribute to the growth and success of any organization.
Hi, I’m
NJI DENGIKINU KUM
Leuven
Summary
Overview
12
years of professional experience
Work History
AGP eGlass Ghent-Belgium
Operator – Final Inspection
02.2024 - Current
Job overview
- Conduct final inspections of eGlass parts to ensure they meet production standards
- Use various inspection tools to measure dimensions and identify any defects
- Identified and documented non-conforming products, including defects, discrepancies, and deviations from quality standards
- Communicate findings to my supervisor and collaborate with my team members to address any quality issues that we identified
- Follow safety protocols and participate in trainings to improve my inspection techniques and quality control practices.
BARESCO Ltd.
Finance Support Analyst (Part-time)
02.2021 - 12.2021
Job overview
- Provided comprehensive support to the finance team, including financial analysis, reporting, and data management
- Assisted with the preparation of monthly financial statements, variance analysis reports, and budget forecasts
- Conducted financial analysis to identify trends, risks, and opportunities for improvement
- Assist in monthly budgeting and forecasting
- Participate in the development of policies for credit management.
SAGEL NEGOCE/GUINNESS DEPOT
Credit Analyst (Full time)
06.2016 - 02.2021
Job overview
- Conducted financial analysis and risk assessments of new and existing customers to determine creditworthiness and establish credit limits
- Prepared credit proposals and recommendations for approval by senior management, including analysis of financial statements, cash flow projections, and industry trends
- Monitored customer credit accounts and performed periodic reviews to assess credit risk and identify potential issues
- Collaborated with sales and account management teams to evaluate customer credit requests and negotiate terms and conditions
- Assisted in the development and implementation of credit policies and procedures to improve efficiency and mitigate risk
- Prepared reports and presentations summarizing credit portfolio performance, trends, and key metrics for management review.
BALI CENTER COOPERATIVE CREDIT UNION (BACCUL)
Loan Officer (Full Time)
05.2014 - 06.2016
Job overview
- Review and update credit and loan files
- Compute loan payment schedules
- Approve loans within specified limits, and refer loan applications outside those limits to the management for approval
- Analyze applicants’ financial status, credit, and property evaluation to determine the feasibility of granting the loan
- Work with customers to identify their financial goals and find ways of reaching those goals
- Negotiate payment arrangements with customers who have delinquent loans
- Succeeded in putting in place a loan management portfolio to help reduce the rate of loan delinquency in the cooperation.
CITY TRUST CREDIT FUND S.A. (CITEF)
Academic Internship
02.2012 - 03.2012
Job overview
- Answer incoming calls from customers, would-be customers and shareholders
- Helping clients fill out their personal and counter cheques
- Opening Accounts for new customers; giving them various advantages to each account
- Establishing and printing out daily journal
- Reconciling customers’ accounts for inter-branch transactions
- Visualizing customers' account history using the TULLIPS software.
Education
Université Libre De BruxellesBrussels, Belgium
Master of Science from Specialised Master in Microfinance
09.2023
University Overview
COVICOMYaoundé, Cameroon
HPD in E-Business and Computerized Accounting
03.2012
University Overview
University of DschangDschang, Cameroon
Bachelor of Science from Management Science
08.2010
University Overview
Skills
- Good analytical skills
- Ability to communicate complex financial information effectively
- Knowledge of credit risk assessment techniques Credit
- Budgetary management
- Critical thinking
- Problem-solving skills
- Report writing
- Communication skills
- Good mastery of Microsoft applications (Words, Excel, and PowerPoint)
- Excellent analytical and problem-solving skills
Languages
English
Bilingual or Proficient (C2)
French
Intermediate (B1)
Projects
Projects
Financial Services and Access to Safe and Sustainable Drinking Water: Case of Households in the Outskirts of Yaoundé-Cameroon (Practical Oriented Master thesis)Timeline
Operator – Final Inspection
AGP eGlass Ghent-Belgium
02.2024 - Current
Finance Support Analyst (Part-time)
BARESCO Ltd.
02.2021 - 12.2021
Credit Analyst (Full time)
SAGEL NEGOCE/GUINNESS DEPOT
06.2016 - 02.2021
Loan Officer (Full Time)
BALI CENTER COOPERATIVE CREDIT UNION (BACCUL)
05.2014 - 06.2016
Academic Internship
CITY TRUST CREDIT FUND S.A. (CITEF)
02.2012 - 03.2012
Université Libre De Bruxelles
Master of Science from Specialised Master in Microfinance
COVICOM
HPD in E-Business and Computerized Accounting
University of Dschang
Bachelor of Science from Management Science
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