Mina Ibrahim

Results-driven and detail-oriented Senior Credit analyst with over 8 years of experience in credit risk assessment, financial analysis, and decision-making within fast-paced financial environments. Expertise in evaluating creditworthiness, analysing financial statements, and managing loan portfolios to ensure risk mitigation and profitability. Strong proficiency in regulatory compliance, credit scoring models, and industry best practices. Adept at collaborating with cross-functional teams to assess and approve loan applications while providing clear, data-backed recommendations. Proven track record of fostering positive relationships with clients, stakeholders, and team members, consistently contributing to business growth and organizational success.

• Certified Credit Professional (CCP)
  Awarded by Kaplan Business School, 2020
  Demonstrated expertise in evaluating credit risk and making informed lending decisions.
• Risk Management & Credit Risk Training Program
  Linkedin, 2021
  Focused on advanced risk assessment techniques, including credit risk modeling and regulatory guidelines for financial institutions.
• Credit Risk Analytics Conference
  Attended, 2022
  Participated in discussions on emerging technologies like AI in credit scoring, new regulatory frameworks, and the evolving role of credit assessors in financial institutions.

• Enhancing Client Relationships
  Built strong relationships with key clients, resulting in a 10% increase in repeat business and improved customer satisfaction in loan servicing and restructuring.
• Training & Mentoring
  Took pride in mentoring a team of junior credit analysts, helping them develop strong analytical skills and a better understanding of complex credit assessments. This effort led to a 25% improvement in their accuracy and efficiency, and I’m proud to have seen many of them progress to more senior roles in the company
• Optimized Credit Approval Process
  After observing delays in the credit approval process, I led a review of our procedures and collaborated with the tech team to streamline operations. This not only cut approval times by 20% but also made the process much more transparent for our clients, resulting in increased customer satisfaction.
• Navigated Complex Regulatory Changes
  When new regulatory standards were introduced, I took it upon myself to lead the training for the credit team. By simplifying complex compliance changes, I ensured the team remained confident and fully aligned with new guidelines, preventing compliance issues and enabling us to continue offering competitive credit products.

• Delegated Lending Authority (DLA4)
• Certificate IV in Financial Services
• Certificate IV in Mortgage Brokering

• Holistic Credit Risk Assessment
  I take a detailed, comprehensive approach to evaluating credit risk, considering not only financial statements but also the unique context of each borrower. By combining data analysis with a deep understanding of individual situations, I ensure lending decisions are balanced, fair, and aligned with the institution's objectives
• Collaborative Decision Making
  Working closely with various teams—from sales and underwriting to legal and collections—I help facilitate decisions that take into account both the client’s needs and the bank’s risk tolerance. I believe in open dialogue and a collaborative approach to find solutions that benefit all parties, whether it’s approving a loan or renegotiating terms.
• Building Strong Client Relationships
  I take pride in getting to know clients personally, which allows me to tailor credit solutions to their specific business or financial goals. Over the years, I’ve built strong, lasting relationships by being a trusted advisor who offers both support and guidance when navigating the complexities of credit decisions.
• Simplifying Complex Credit Processes
  I’m skilled at breaking down complex financial concepts for clients, colleagues, and stakeholders, making the credit decision process more transparent. This ability has helped clients feel more comfortable and confident in the decisions being made, leading to stronger trust and smoother interactions.
• Adaptability in a Changing Market
  The financial landscape is always evolving, and I stay on top of market trends, regulatory changes, and emerging technologies to ensure that my assessments remain relevant and accurate. My ability to quickly adapt to new challenges has helped minimize risk and keep the team ahead of the curve.
• Clear Communication Under Pressure
  Whether it’s presenting complex risk analyses to senior management or explaining the reasons behind a loan rejection to a client, I take care to communicate clearly and effectively, especially in high-pressure situations. This helps ensure understanding and fosters trust in the decision-making process.
• Nurturing a Positive Team Culture
  I believe that a strong team culture leads to stronger results. I work hard to create an environment of mutual respect, open communication, and shared success, where everyone feels empowered to contribute their best work and continuously improve.