Proven professional with expertise in the area of Risk Management, Financial & Business Analysis, Quality Assurance and Customer Relations. I posses over 13 years working experience in the banking sector and non-for-profit organization. Proven ability to seek and respond to new challenges and work under limited supervision. I am self-motivated, committed and result-oriented. CAREER INTEREST Risk management, quality assurance, business development, project management, business strategy, asset management, customer relationship and project management. BIO DATA Sex Female September 2019 - till date April 2015 - till June 2019 First City Monument Bank (FCMB) Credit Officer/Senior Credit Underwritter. ? Approve credits reviewed by analyst. ? Ensure reviewed credits are in line with the banks credit policy as well as regulatory guideline (i.e., prudential guideline.) ? Identify risk inherent in a credit and proffer possible mitigants. ? Approve mortgage facilities. ? Analyse customer's financial, feasibility studies, cash flow projections, business plan, using financial ratios to take decisions on customer's capacity to repay. ? Assess the adequacy of pledged collateral and ensure securities pledged are sufficient and realizable. Union Bank of Nigeria Plc. Team Lead Commercial Credit Analysis ? Ensure reviewed credits are in line with the banks credit policy as well as regulatory guidelines. ? Identify risk inherent in a credit and proffer possible mitigants. ? Analyse customer's financial, feasibility studies, cash flow projections, business plan, using financial ratios to take decisions on customer's capacity to repay. ? Assess the adequacy of pledged collateral and ensure securities pledged are sufficient and realizable. ? Assist Business Originators in negotiating term sheets with clients to ensure that the deal structure, conditions and covenants conform to banking standards and the overall credit requirements of the bank. ? Obtain relevant information from clients conduct a thorough credit due diligence and any other required research as a prerequisite for a complete credit/risk analysis of the clients' business. ? Appraise credit facility requests as well as product papers in line with the banks laid down procedures and make recommendations as appropriate for management's consideration. ? Identify, understand and evaluate inherent credit, financial and business risks in credit proposals and ensure that adequate and effective mitigants are proffered. ? Review proposals and ensure they are properly packaged and that requests are not in contravention with management policies, CBN policies, and all other January 2007 - to April 2015. relevant regulation. ? Regular review of the bank's credit policies to ensure conformity with regulatory and statutory requirements, industry's best practice as well as changes in the socio-political and economic environment. ? Perform Credit advisory roles including education and credit training for relationship officers. Loan factory Manager. ? Responsible for managing the banks retail portfolio. ? Review and approve mortgage loans. ? Ensure stipulated LTV for mortgage loan are adhered to. ? Review auto and salary loans. ? Ensure appropriate review of credit bureau report, ensure sustainable repayment sources such as salaries are appropriately domiciled and the bank has control over obligors cash flows that will ensure repayment. ? Ensure adherence to policies such as prudential guidelines. Review adequacy of information provided, to ensure repayment ie obligors address, age vis a vis loan tenure, multiple repayment sources such as co-financing. Diamond Bank Plc Agric Credit Analyst (December 2012 - April 2015) ? Senior Credit Analyst. ? Provide financial advice to customers in the agric value chain. ? Review and identify agric related credit risk and proffer mitigants. ? Manage the banks' agric credit portfolio. ? Review government's agric related finance schemes such as NIRSAL, CACs, GES (Growth Enhancement Scheme) etc. and ensure DB participation in such schemes in line with regulatory requirement. ? Identify inherent risk in agric related finance scheme and ensure appropriate structuring of credit facilities and adherence to laid down policies and procedures. ? Work with the organization's (DB) agric developmental finance partners such as USAID and IFC in providing diagnostic solutions to agric financing. Solutions provided include Agric credit policy, Agric RAC (Risk acceptance Criteria), value chain financing etc. ? Formulate Product Programs for Agric transaction (GES, ACGSF etc.). ? Structure, review, strategize and proffer advice on government policies, and its implication for our risk management strategies. ? Undergo periodic marketing calls with relationship officers. Credit Risk Analyst (August 2008 - December 2012) ? Ensure reviewed credits are in line with DB's credit policy as well as regulatory guideline such as prudential guideline. ? Identify risk inherent in a credit and proffer possible mitigants. ? Analyse customer's financial, feasibility studies, cash flow projections, business plan, using financial ratios to take decisions on customer's capacity to repay. ? Assess the adequacy of pledged collateral and ensure securities pledged are sufficient and realizable. ? Assist Business Originators in negotiating term sheets with clients to ensure that the deal structure, conditions and covenants conform to banking standards and the overall credit requirements of the bank. ? Obtain relevant information from clients, conduct a thorough credit due diligence and any other required research as a prerequisite for a complete credit/risk analysis of the clients' business. ? Appraise credit facility requests as well as product papers in line with the bank's laid down procedures and make recommendations as appropriate for management's consideration. ? Identify, understand and evaluate inherent credit, financial and business risks in credit proposals and ensure that adequate and effective mitigants are proffered. ? Review proposals and ensure they are properly packaged and that requests are not in contravention with management policies, CBN policies, and all other relevant regulation. ? Regular review of the bank's credit policies to ensure conformity with regulatory and statutory requirements, industry's best practice as well as changes in the socio-political and economic environment ? Perform Credit advisory roles including education and credit training for relationship officers. Customer Relations Officer. (January 2007 - August 2008) ? Ensure Quality assurance in all branches. ? Ensure standardization of service levels at all branches. ? Responsible for the feedback mechanism in all branches ? Responsible for the complaints systems and all complaints channels i.e. emails, telephone calls, call center, walk in customers and letter. Feb 2006 - Dec 2006 July 2004 - September 2004 January 2004 - June 2004
Description
