Gabriel O

Credit risk and banking professional with 15+ years of experience across credit assessment, asset financing, underwriting support, banking operations, compliance and portfolio monitoring. Experienced in reviewing customer applications, analysing bank statements and cash flows, assessing affordability and existing obligations, conducting credit-bureau checks, and documenting risk-based recommendations. Brings a strong foundation in branch operations, internal controls, reconciliations and fraud-risk awareness, alongside experience supervising staff and collaborating with Sales, Business Unit and operations teams to support responsible financing decisions.

Credit Risk Assessment Manager - Koolboks Nigeria Limited

(2025)

• Assess retail and business customers seeking asset-financing facilities, reviewing applications and supporting documents and providing risk-based recommendations on repayment capacity and exposure.
• Analyse bank statements, financial information, cash flows, existing obligations and credit-bureau reports to evaluate affordability, identify repayment risks and support sound financing decisions.
• Coordinate with Sales and Business Unit teams to clarify product selection, down payments, fees, repayment tenors and instalments; follow up on documentation gaps and support customer onboarding.
• Supervise and guide credit-assessment personnel, review assessment quality and reinforce consistent application of credit policy and approval controls.
• Monitor portfolio performance and overdue accounts, flag emerging risk concerns and support follow-up, recovery and restructuring activities with relevant teams.
• Verify customer and guarantor information, assess potential fraud indicators, maintain clear assessment records and support KYC/AML and internal documentation requirements.
• Prepare credit reports and management updates and contribute to process improvements that support responsible asset-finance growth.

Credit Risk Analyst / Operations Manager - Captis Investment Limited

(2019 - 2024)

• Conducted credit appraisals and risk reviews to support financing and investment decisions, assessing applications against available financial information and internal risk criteria.
• Coordinated day-to-day operational activities and supported the application of fraud-prevention and transaction-control procedures.
• Prepared operational and financial reports to support management oversight, transaction monitoring and follow-up on outstanding credit obligations.

Operations / Risk Officer - Growvine Investment Limited

(2017 - 2019)

• Performed credit evaluations and risk assessments in support of financing activities and fund placements.
• Supported asset-finance operations, departmental coordination and customer-engagement initiatives, including communicating credit requirements to marketing personnel.

Head of Branch Operations - Polaris Bank Plc (formerly Skye Bank)

(2015 - 2017)

• Led branch operational activities and staff supervision, supporting adherence to internal procedures, transaction controls and regulatory requirements.
• Prepared operational and financial reports, monitored branch expenses, and oversaw international fund-transfer and card-issuance processes.

Head of Operations — Ketu Branch - Mainstreet Bank Limited

(2013 - 2015)

• Supervised branch operations and staff, coordinating daily service delivery, transaction processing and compliance with established banking procedures.
• Applied internal control and fraud-prevention procedures and prepared operational and expense reports to support management oversight.

Progressive Operations, E-Solutions, IT Support & Audit Roles - Mainstreet Bank / Afribank Plc

(2007 - 2013)

• Head Teller / ATM Gallery Manager (2012–2013): Supervised teller activities, cash balancing, vault controls and ATM reconciliation; followed up on transaction discrepancies.
• E-Solutions Specialist (2011–2012): Coordinated card issuance, investigated failed electronic transactions and followed up on inter-branch settlements.
• IT Systems Support Specialist (2009–2011): Supported testing and enhancement of T24 core-banking modules, maintained operating guidance and trained staff on system procedures.
• Cash Officer / Internal Auditor (2007–2009): Managed cash and vault operations, performed reconciliations and conducted internal audit checks to support operational control and compliance.

M.Sc. - Business Management - University of Nigeria, Nsukka

B.Sc. - Banking & Finance - Ebonyi State University, Abakaliki