Ikechukwu Nwaiwu

Hardworking, self-motivated and highly driven graduate with the ability to work well both independently and in a team, for the realization and promotion of the organization's goals and objectives by bringing into bare, my educational background, personal skills, and professional experiences. Work well as a team, receiving and sharing information every step of the way. Now searching for an opportunity to develop career with an expanding organization.

ACCOUNT OFFICER - ALERT MFB

(2026-01)

• Effectively managed a comprehensive loan and deposit portfolio valued at ₦65 Million.
• Successfully strategically recovered approximately ₦27 Million in unpaid and delinquent loans, significantly reducing the non-performing loan (NPL) ratio.
• Mobilize low-cost deposits and drive risk asset creation by identifying and onboarding creditworthy prospective individuals and MSMEs
• Conduct detailed physical and financial appraisal of loan applicants, analyzing business cash flows and collateral validity to mitigate credit risk.
• Monitor assigned loan portfolios continuously to ensure timely repayment and prevent default.
• Maintain excellent relationship management with clients, serving as the primary point of contact and resolving operational challenges.
• Ensure strict compliance with the bank's internal credit policies, regulatory frameworks, and documentation standards.

DIRECT SALES OFFICER - UNITED BANK OF AFRICA

(2025-01 - 2025-12)

• Identify and understand the need of the Customer.
• Sell the Banks Products proactively to new/prospective customers.
• Obtain relevant documents on all Bank products sold, e.g. identity document, business registration documents etc.
• Ensure timely submission of weekly sales activity reports to Direct Sales Manager.
• Participate in weekly/monthly sales performance review meetings.
• Ensure accuracy of all bank forms and documents executed by the Customer.
• Ensure timely processing of all initiated Customer transactions, with specific emphasis on account opening.
• Ensure assigned sales target and budgets are met.
• Participate in tactical sales/marketing activities.
• Reviewed loan request.
• Assessed Client Financial Status. Evaluate Credit worthiness and Risk.
• Contacted Client to gather financial data and documentation. Analyze risk and approve or reject loan request.
• Setup payment plans.
• Disbursement of loans to the Client

CREDIT OFFICER - GROOMING MFB

(2020-01 - 2025-12)

• Identify and understand the need of the Customer.
• Sell the Bank Products proactively to new/prospective customers.
• Obtain relevant documents on all Bank products sold, e.g. identity document, business registration documents etc.
• Ensure timely submission of weekly sales activity reports to Direct Sales Manager.
• Participate in weekly/monthly sales performance review meetings.
• Ensure accuracy of all bank forms and documents executed by the Customer.
• Ensure timely processing of all initiated Customer transactions, with specific emphasis on account opening.
• Ensure assigned sales target and budgets are met.
• Participate in tactical sales/marketing activities.
• Reviewed loan request.
• Assessed Client Financial Status.
• Evaluated Creditworthiness and Risk.
• Contact Client to gather financial data and documentation.
• Analyzed risk and approve or reject loan request.
• Setup payment plans.
• Disbursement of loans to the Client.

Manager - E- Tech

(2018-01 - 2020-12)

• Identify and understand the need of the Customer.
• Sell the Products proactively to new/prospective customers.
• Participate in weekly/monthly sales performance review meetings.
• Ensure accuracy of all bank forms and documents executed by the Customer.
• Ensure timely processing of all initiated processes.

B.ng. - Mining Engineering - Federal University of Technology Akure (2005-01 - 2010-12)

Madona Secondary School (1999-01 - 2004-12)

First School leaving Certificate - Ebun Oluwa Nursery and Primary School Lagos (1992-01 - 1998-12)