Dynamic credit analyst and relationship management professional with nearly two decades of experience in the financial sector, specializing in credit underwriting, risk assessment, and tailored financing solutions for business banking clients, including government-backed and trade- related facilities. Expertise includes credit risk frameworks, evaluation, anti-money laundering compliance, and comprehensive risk variation assessments. A recent short course in Sustainable Expat Financing from the Frankfurt School of Finance & Management has strengthened skills in ESG risk analysis and environmental and social due diligence for credit portfolios. Recognized for exceptional communication abilities and a proven track record in cultivating relationships with SMEs, corporate entities, and development-linked institutions to achieve sustainable, risk-conscious financing outcomes while actively engaging in training and coaching at corporate and public events.