Okolo Miracle

Results-driven Banking and Credit Professional with 5 years of progressive experience in loan recovery, credit analysis, portfolio monitoring, collections management and customer relationship management within the microfinance sector. Proven success in reducing Portfolio at Risk (PAR), recovering delinquent accounts, conducting credit assessments and supporting sustainable lending decisions. Skilled in remedial management, risk identification, financial analysis, loan restructuring and regulatory compliance.

Seeking opportunities within the UK financial services sector as a Recovery Officer, Credit Analyst, Loan Monitoring Officer or Collections Specialist.

Recovery Officer / Credit Analyst at STELLAS MICROFINANCE BANK (2022-01 – Present)

• Analyse credit applications and assess borrower risk.
• Monitor loan portfolios and identify early warning signs of default.
• Conduct recovery activities and negotiate repayment arrangements.
• Prepare portfolio performance reports and recommendations.
• Support credit risk mitigation and loan restructuring activities.

Recovery & Remedial Officer at FINATRUST MICROFINANCE BANK (2020-01 – 2022-12)

• Managed delinquent loan accounts and recovery processes.
• Implemented recovery strategies that reduced PAR from 23% to 14%.
• Negotiated repayment plans and maintained customer relationships.
• Prepared recovery reports for management review.

Client Support Officer at LAPO MICROFINANCE BANK (2017-01 – 2020-12)

• Supported loan administration and customer account management.
• Monitored repayment performance and escalated delinquent accounts.
• Contributed to branch growth through quality customer service.
• Received Staff of the Year recognition.

Recorder at DYNAMIC NIFTY INTERNATIONAL (2015-01 – 2017-12)

• Maintained accurate operational records and reports.
• Supported management with data documentation and administration.

Headmaster at SAN-MEN NURSERY & PRIMARY SCHOOL (2013-01 – 2015-12)

• Managed daily school operations and staff supervision.
• Improved administrative processes and academic performance.

Sales Representative at EMMY BEST COMMUNICATION (2010-01 – 2012-12)

• Delivered sales targets and customer service support.

Higher National Diploma (HND) in Banking and Finance – Lagos State Polytechnic (2024-01 – 2024-12)

Ordinary National Diploma (OND) in Banking and Finance – Lagos State Polytechnic (2013-01 – 2013-12)

Senior Secondary School Certificate (2007-01 – 2007-12)