Aderinoye Segun A

Dedicated Loan and Customer Relation Officer with over 8 years of accounting experience, specializing in optimizing resource allocation. Skilled in cash processing, loan disbursing, logistics, negotiation, and contract management. Proven track record in reducing costs through process standardization and effective negotiation.

Committed to ensuring compliance in storage, transportation, and operations, fostering strong customer relations. Additionally, adept at implementing follow-up actions to enhance customer satisfaction and maintain positive relationships.

SME Loan Officer - Addosser Microfinance Bank - Sango Ota Branch, Ogun State

(2026-01)

• Evaluate customers' loan applications in line with the organizations credit policy.
• Identify critical risks in credit request and provide advisory on how request can be restructured in line with bank's risk appetite.
• Evaluate client credit worthiness by determining clients' ability to repay loan.
• Portfolio management and reporting.

SME Loan Officer - AB Microfinance Bank - Sango Ota Branch, Ogun State

(2023-01 - 2025-12)

• Evaluate client credit worthiness by determining clients' ability to repay loan.
• Analyze client assets and securities as collateral in line with bank's policy.
• Identify critical risks in credit request and provide advisory on how request can be restructured in line with bank's risk appetite.
• Create innovative credit evaluation processes and system.
• Detect fraudulent applications, and unreliable applicants.
• Continuously analyse and recommend improvement on credit risk.

Internal Control Officer - Tofunmi Superstores - Sango Ota, Ogun State

(2017-01 - 2022-12)

• Develop and enforce internal control frameworks and standard operating procedures.
• Conduct regular audits of financial transactions (vouching), bank reconciliations, and general ledger accounts to ensure accuracy.
• Ensure compliance with internal policies, legal regulations (e.g., AML/KYC), and industry standards.
• Prepare audit reports detailing findings and recommendations, and train staff on compliance best practices.

Account Officer - SEAP Microfinance Bank - Akure, Ondo State, Nigeria

(2014-01 - 2015-12)

• Evaluate credit scores, income, assets, and debt-to-income ratios to assess risk.
• Prepare, review, and submit completed loan packages, ensuring accuracy and compliance with policies.
• Recommend or authorize approval/denial based on underwriting guidelines and institutional criteria.
• Maintain client relationships, answer questions, and sometimes manage, monitor, or cross-sell loan products.

Higher National Diploma - Business Administration and Management - The Federal Polytechnic Ede, Osun State (2010-01 - 2012-12)

National Diploma - Business Administration and Management - The Federal Polytechnic Ede, Osun State (2003-01 - 2006-12)