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)
- Authorizing all fund Transfer transactions
- ATM Management etc.
Fund Transfer Officer - Fidelity Bank Plc
(2008-01 - 2008-12)
- Processing of inward and outward clearing cheques
- Processing of Domiciliary fund Transfers (USD, EUR, GBP)
- Processing of account to account transfers
- Processing of interbank Transfer (RTGS, NIBBS, NEFT etc)
- Processing of E-Payment Transactions: DSTV Payment
- PHCN Bill Payment
- Processing of FORM M
- Processing of custom Duty
- Processing of FIRS (VAT, WHT, Education Tax etc)
- Lagos State Collections/PAYEE (Lastma fines, Water, Corporation Bills)
- Booking/Monitoring of Branch facilities (LOAN)
- Booking/Monitoring of Branch Term Deposit
- Initiating instant transfers (Quick pay)
- Branch Asset Monitoring
- Processing of Western Union and Money Gram transactions etc,
