Christopher Onyemaechi

Highly experienced Branch Manager/Team Lead with over eight (8) years of experience in financial analysis, credit risk assessment/analysis and mitigations, loan recovery and loan portfolio management, Bank profitability growth, Bank performance and productivity drive. Proven track record of making sound credit decisions and consistently meeting expected result in line with credit policies.

BRANCH MANAGER (Senior Branch Manager) - INFINITY MICROFINANCE BANK LTD

(2024-08)

• Promote the Bank's products and attract new business.
• High portfolio quality. PAR 1 day not greater than 1.0%.
• Grows Bank profitability, Bank performance and Bank productivity
• Mentor, Lead, and motivate a team of deposit, credit and department of the Bank within the Branch.
• Submit performance reports; daily, weekly, monthly on achievement of your target as it relates to approved KPI's.
• Frequent visitation of all customers for the initiation of new loans, identification/resolution of delinquency, verification of intending borrowers as well as that of their Guarantors.
• Resolve customer's complaints as appropriate in a prompt manner within a 24-hour period.
• Initiate and participate actively in business development, departmental and brand management within your primary area of assignment.
• Educate and guide all Loan applicants on product types, features, benefits, process, dures of application, customer incentives for good performance as well as default sanctions.
• Conduct loan evaluations and preliminary credit appraisals in line with the bank's policies with an accurate assessment of each client's capacity & willingness to be credit worthy.
• Ensure appropriate and reliable guarantee is in place for all Credit appraisals.

HEAD OF CREDIT/SUPERVISOR CREDIT UNIT (Credit Analyst and Credit Risk Officer) - BOCTRUST MICROFINANCE BANK LTD

(2023-08 - 2024-07)

• Mentor, Lead, and motivate a team of SME credit and Pay roll loan (IPPIS loan) Credit Analysts, and SME Loan officers.
• Fostering a collaborative and high-performance environment.
• Monitor, manage loan portfolio and ensuring loan target including other task are executed.
• Assign and prioritize tasks, ensuring efficient work flow and timely completion of credit assessments.
• Preparing of SME credit appraisal memorandum (CAM) and weekly preparation and presentation of credit disbursement report to the management
• Conduct regular performance reviews, provide constructive feedback, and Identify training and development needs for team members.
• Ensure team adherence to credit policies, procedures, and service level agreements. Conduct comprehensive credit analysis of loan applications, including financial statement analysis, cashflow projections, and business risk assessment.
• Evaluate the credit worthiness of Loan borrowers, assessing the inability to repay loans based on financial performance, industry trend, and market conditions.
• Prepare detailed credit reports and recommendations for loan approval. Highlighting key risks and monitor the performance of the loan portfolio,
• Identifying potential credit risks and recommending appropriate action and Mitigation/control.
• Work with Risk Control for collection so for overdue loans.
• Proactively work with Risk Management/Compliance Unit (RMCU) to properly manage the bank's loan portfolio and ensure the bank's ratios are well within regulatory and policy standard using key risk indicators
• For credit risk analysis and mitigation of residual risk, default risk, sovereign risk, settlement risk, concentration risk, industry risk and other credit risk.

Senior Credit Analyst/Senior Loan Officer - AB MICROFINANCE BANK (Subsidiaries of Access holding)

(2019-01 - 2023-07)

• Analyze financial data and credit reports to assess credit worthiness of potential borrower
• Ensuring Credit compliance with bank policies and regulations
• Conducts Credit analysis and risk assessment for potential borrower
• Client account statement in determining the viability of potential client business Analyzing
• Using debt service ratio DSR to determine client payment capacity
• Disbursement and follow up on repayment to ensure high portfolio quality.

Insurance Officer - First Bank Nigeria FBN

(2018-07 - 2019-01)

• Educating prospectus client on insurance policy
• Marketing of various insurance product
• Documentation of Insurance client KYC
• Processing, document and follow up on client insurance claim

Bachelor's Degree - Agriculture - University of Benin (2011 - 2016)