Friday Iwejuo

Banking Officer | Relationship Manager | Recovery Officer

Talent

Lagos, NGMember since July 21, 2026

Relationship ManagementCredit & LendingProduct Cross-SellingRisk ManagementPortfolio MonitoringCustomer ServiceCollateral InspectionForeclosureAccount AnalysisCash ManagementATM Administration

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Relationship ManagementCredit & LendingProduct Cross-SellingRisk ManagementPortfolio Monitoring

About

To work in a reputable and challenging organization and helping towards the realization of the organizational set objectivities and also attaining a higher level of professional and personal development and utilizing my talents ability to the maximum.

Experience

Banking Officer - WEMA Bank Plc

(2025-01)

Commercial / Corporate Banking

Book quality assets and ensure effective portfolio monitoring for early detection of defaults.
Work closely with the Business Manager in the execution of the team's functions and activities.
Champion the drive for deposit mobilization and trade transaction
Provide the best customer service available in the industry.
Develop and maintain relationship with clients by providing professional and specialized financial solutions in all areas.
Assist in Transaction Memos and provide relationship background and financial information support, as necessary.
Provide support in the structuring of credits in line with business potentials.
Manage and deepen relationships with existing and prospective customers.
Win new accounts and resuscitate dormant relationships.
Market the bank's products to meet customer needs.
Initiate development of products required to meet customer needs.
Credit & Lending
Product Cross-Selling

Head, Recovery and SMEs - Independent Resources Management (AMCON AMP)

(2024-01 - 2024-12)

Driving AMCON and EFIs recoveries
Following up and supervision of court process as per obligors
Requesting and ensuring BVN request and blockages are done on obligors' account who are unwilling and/ or unable to pay their debt.
Foreclosure on assets of debtors, who are unwilling and /or unable to pay their debt.
Asset tracing on obligors that are upcountry(outside Lagos)
Collateral inspection
Ensuring that my team work within the recent AMCON Act to avoid litigation.
Aggressive Recovery drives (Call Memos, Phone Calls, Visitation, and Invitation for Meeting etc.)
Sending recovery updates to AMCON and EFIs on weekly or monthly basis as requested.
Using social media platforms to trace some obligors without KYC and Offer Letters.
Sourcing SME customers for BOI fund.
Ensuring that SME customer meets BOI documentations
Encourages tripartite meeting between BOI, SME customers and the National provider etc.

Relationship Manager - Fidelity Bank Plc

(2018-06 - 2021-12)

Book quality assets and ensure effective portfolio monitoring for early detection of defaults.
Manage and deepen relationships with existing and prospective customers.
Win new accounts and resuscitate dormant relationships.
Market the bank's products to meet customer needs.
Initiate development of products required to meet customer needs.
Ensure efficient service and maintenance of existing customer.
Ensure zero tolerance for inactive/dormant accounts.
Perform all other duties as assigned by the Business Manager.

Remedial / Recovery Officer - Fidelity Bank Plc

(2016-01 - 2018-12)

Preparing of Account analysis to show customer's unpaid principal, normal interest, penal charges &bank charges.
Foreclosure on assets of debtors, who are unwilling and /or unable to pay their debt.
Arranging for stakeholder meeting to discuss the mode of paying down the indebtedness.
Preparing call memo after meeting.
Preparing memo for management approval on the agreed payment plan.
Recovery drive through (constant calls, visitation of customers, cracking down on the indebted customers, use of internet/social media to track debtors etc.)
Review of non-performing loans through visiting Branches and their Managers impromptu.
Prompting account officers to give updates on the non-performing loans.
Mapping out recalcitrant accounts to result-oriented DRASwith follow-up.
To ensure that pledged collaterals are perfected for easy sales.
To use security agent (Police, EFCCetc.) in driving recovery on recalcitrant accounts.
To prepare weekly, monthly, quarterly and yearly recovery reports for board and management use.
Blocking BVN of recalcitrant accounts.
To follow up with court process and orders on recalcitrant accounts.
Collateral inspection of mortgaged assets.

Branch Auditor - Fidelity Bank Plc

(2016-01 - 2016-12)

Call over of processed transaction to check for errors/mistakes, and fraudulent transaction etc.
To ensure that operational procedures and processes are properly adhered to while consummating any transaction.
To checkmate the NGN (Internal) accounts.
Authorization of some loans
Checking account opening files to ensure proper procedures are adhered to.
To make sure that proper vault administration is in place.
To conduct random cash – count for integrity test to all cash handling staff members.
To query for non-compliance in handling transactions.
To investigate customers complaints for proper actions.
To ensure that the operation Heads & Cash officers don't compromise ATMadministration, and cash processing procedures and other related activities.
To make sure that fraud is reduced at the barest minimum through putting internal control mechanisms in place.

Branch Operation Head - Fidelity Bank Plc

(2013-01 - 2013-12)

General supervision of the branch operation
Supervision of customer service of the branch
Supervision of branch cash services.
Proof of branch general ledger.
Authorizations of branch transaction
Supervision of ATM Administration.
Supervision of branch cleaning services.
Supervision of branch security services e.t.c
Branch accounts Reconcilliation.

Cash Officer - Fidelity Bank Plc

(2010-01 - 2010-12)

Vault administration
Supervision of Teller (Cashiers)
Verification/call over of processed transactions to avoid errors, mistakes and fraudulent transactions.
Reconfirmation of cash before vault in/out
Authorizations of transactions
ATM Administration (ATM Reconciliation, cash balancing, cash loading etc.)
Vaulting out cash to Tellers
Requesting for cash from cash management etc.
Reconciliation of ATM accounts.

Fund Transfer Authorizer - Fidelity Bank Plc

(2009-01 - 2009-12)