Onaiwu Osaretin

Results-driven banking professional with over 14 years of experience spanning credit risk analysis, SME lending, underwriting, portfolio management and branch leadership. Strong expertise in financial statement analysis, cash flow assessment, collateral evaluation, regulatory compliance and portfolio quality improvement. Proven ability to deliver sound credit decisions while managing risk and supporting business growth.

Senior Credit Risk Officer - FinaTrust Microfinance Bank Ltd - Lagos, Nigeria

(2024-11)

• Conduct independent credit reviews and recommendations.
• Assess repayment capacity, collateral and financial performance.
• Monitor portfolio quality and identify early warning signals.

Branch Manager - LAPO Microfinance Bank Ltd - Lagos, Nigeria

(2018-05 - 2024-10)

• Led credit underwriting, portfolio monitoring and recoveries.
• Improved repayment performance and ensured policy compliance.

Assistant Branch Manager - LAPO Microfinance Bank Ltd - Lagos, Nigeria

(2015-11 - 2018-04)

• Supported branch operations and supervised lending activities.

Client Support Officer / Loan Officer - LAPO Microfinance Bank Ltd - Lagos, Nigeria

(2011-04 - 2015-10)

• Managed loan processing, field verification and customer relationships.

Higher National Diploma (HND) - Marketing - Lagos State Polytechnic

National Diploma (ND) - Marketing - Auchi Polytechnic