Lana Bogucki
Risk Analyst
Gdansk
Summary
Logical Risk Analyst offering over 5-years background evaluating portfolio decisions and forecasting potential losses in company's investment processes. Practiced in collecting, organizing and validating financial data integrity. Expertise in strategic planning and risk management. Committed to developing innovative approaches and solutions. Results-driven, bringing proven skills in administering credit risk management programs. Effective in training team members to proactively identify and highlight potential risks. Dedicated to long-term risk management by building strong internal protocols and instilling culture of responsibility and attentiveness.
Overview
6
6
years of professional experience
Work History
Risk Analyst
Santam Insurance Limited
11.2017 - 09.2018
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
- Analyzed portfolios and identified risk factors, facilitating reduction of delinquencies on new volumes and recommending risk-adverse underwriting strategies.
- Promoted enterprise-level risk management practices and helped instill strong culture focused on protective policies and procedures.
- Instituted contingency plans, ensuring business continuity through cross-training, documentation and data backups.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
- Collaborated on implementation of collection strategies with collections, risk and fraud teams.
- Established strategy for operations reporting and analytics, identifying key needs for deliverables while driving continuous improvement of processes.
- Investigated allegations to check validity and recommend actions to minimize risk.
- Built and harmonized operations reports for team leaders, senior managers and executives, supervising automation of reports and data sources to eliminate errors.
- Designed and monitored underwriting scorecards and related predictability.
Commercial Insurance Underwriter
Santam Insurance Limited
11.2016 - 10.2017
- Evaluated debt ratio and credit scores property valuations and various other factors when making underwriting decisions.
- Calculated group and individual renewal rates based on customers background, industry and demographic information.
- Met with customers, agents and brokers to negotiate coverage, price and service delivery.
- Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Worked flexible hours; night, weekend, and holiday shifts.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Maintained energy and enthusiasm in fast-paced environment.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Developed and maintained courteous and effective working relationships.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Assisted senior managers by calculating group and individual renewal rates based on customers' background, industry and demographic information.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Commercial Underwriter
Lombard Insurance Company Ltd
01.2016 - 10.2016
- Met with customers to provide information about available products and policies.
- Finalized sales and collected necessary deposits.
- Conducted annual reviews of existing policies to update information.
- Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
- Calculated premiums and established payment methods for sales.
- Remained impartial in order to advise clients based on circumstances.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Met with customers, agents and brokers to negotiate coverage, price and service delivery.
- Calculated group and individual renewal rates based on customers background, industry and demographic information.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Developed and maintained courteous and effective working relationships.
Credit Insurance Analyst
Credit Guarantee Insurance Corporations of Africa Ltd
07.2012 - 10.2015
- Analyzed applicants' financial status and credit and property evaluations to determine credit feasibility.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reduced past due balances and bad debt by coordinating collection efforts with the legal and salvages departments.
- Performed annual and semi-annual credit limit reviews and credit increase review as requested by financial service and sales teams.
- Optimized credit approval and collection processes and improving operational efficiencies.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Placed customer accounts on hold due to past due payments.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Performed credit reviews on corporations to assess financial conditions.
- Gathered credit documentation for underwriting.
- Complied with internal controls and government regulations.
- Improved understanding of financial statements, which helped in assessing risk.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Conducted presentations to upper management and executive teams for credit recommendations.
- Obtained and interpreted financial statements to assist in credit limit reviews.
Education
Bachelor of Commerce - Management Accountancy
North-West University
Vanderbijlpark, South Africa05.2015
Skills
- Financial Statements Expertise
- Underwriting
- Report Analysi
- Customer Relations
- Microsoft Package Software
- Information Confidentiality
- Data Analysis
- Credit Risk Analysis
- Lending Regulations
- Preparing Proposals
- Verbal and Written Communication
Languages
English
Native language
English
Proficient
C2
Timeline
Risk Analyst
Santam Insurance Limited
11.2017 - 09.2018
Commercial Insurance Underwriter
Santam Insurance Limited
11.2016 - 10.2017
Commercial Underwriter
Lombard Insurance Company Ltd
01.2016 - 10.2016
Credit Insurance Analyst
Credit Guarantee Insurance Corporations of Africa Ltd
07.2012 - 10.2015
Bachelor of Commerce - Management Accountancy
North-West University
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