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
