Credit Underwriting Manager - OPAY MICROFINANCE BANK
(2025-01)
- Managing a team of credit underwriters on merchant loans accountable for the entire credit process, consistent application of a credit policy, periodic credit reviews of new and existing customers and the assessment of the creditworthiness of a potential client.
- Financial responsibilities assessment of customers sourced by the sales team in line with the credit policy, determine deviations and exceptions and provide a decision on deals (approve/suggest modified terms/decline).
- Assess the customer based on customer documentation, sales and verification reports, and credit bureau reports.
- Monitoring the local market every month.
- Interaction with customers and providing recommendations for corrective actions
- Developed and maintained underwriting standards, financial analysis, methodologies, and credit scoring models to improve risk assessment accuracy.
- Assist in digitization efforts to streamline credit workflows and enable data-driven decision making.
- Strengthens and manages the portfolio at risk of the bank.
- Verification of client business on or before loan disbursement.
- Ability to use Bank One/Udara 360, Maria, my MBS soft tools to generate reports.
- Partaking in the loan recovery and issuing of letters to defaulting clients.
- Timely reporting of AML and CRC, NCR reports monthly.
Acting head of Credit/Risk Internal Control - MKOBO MICROFINANCE BANK
(2025-02 - 2025-04)
- Managed and optimized the credit portfolio, minimized risks and maximized returns.
- Led and motivated a team of credit risk professionals.
- Prepared and presented regular reports on credit risk performance, including key performance indicators (KPIs).
- Monitored credit portfolio performance, identified potential problems, and implemented corrective actions.
- Approval or rejection based on credibility, potential revenue, and losses to maintain a good balance between returns and risk exposures.
- Worked collaboratively with other departments and stakeholders to achieve organizational goals.
- Presented weekly and monthly reports for management and the board of directors.
Senior Credit and Risk Analyst (Team Lead) - MKOBO MICROFINANCE BANK
- Prepared Credit Appraisal Memorandum (CAM) for management and board consideration and approval.
- Conducted Credit searches from an approved credit bureau site.
- Conducted credit analysis decisions using the 5Cs of credit principles.
- Evaluated and reviewed client credit proposals for rejection based on credibility, potential revenue and losses to maintain a good balance between returns and risk exposures.
- Conducted approvals or rejections based on credibility, potential revenue, and losses to maintain a good balance between returns and risk exposures. Booking of loans in line with approved terms and conditions.
- Used Bank-One, My-MBS, Udara 360, Maria Core Banking Application to generate daily, weekly and monthly reports.
- Maintained proper documentation and updating of the loan files.
- Rendered timely reports to regulatory bodies {NCR, AML, CRC} and others.
- Prepared monthly portfolio at risk (PAR) with a summary of loss provision.
- Scrutinized and verified all documents for authenticity and detection of fraud.
- Conducted verification of businesses before disbursement.
- NPL (Non-Performing Loan), PDO (Past due Obligations), Review and Recovery
- Responsible for loan recovery, such as negotiating work-out plans and strategies for delinquent customers and providing additional support to exposures requiring collection agencies or legal action.
- Educated and Trained staff to create and increase risk awareness.
- Reviewed and tracked department risk exposure and made recommendations.
- Credit compliance and support functions by ensuring that all conditions precedent to drawdown on approved loan applications are met in line with the bank's policy.
- Daily monitoring of car tracking pledged as collateral.
Senior Loan Officer - Ab Microfinance Bank
(2022-01 - 2024-12)
Loan Facilitation
- Participated in credit committees to present analysis and recommendations on credit proposals.
- Monitored existing portfolios for compliance with credit policies and exposure limits.
- Analyzed clients' financial statements, market conditions, and industry trends to evaluate risk.
- Negotiated terms and conditions of credit facilities with clients to protect the lender's interests.
- Conducted detailed financial analysis on clients to assess creditworthiness and recommend credit limits.
- Prepared comprehensive credit reports summarizing findings and supporting loan approval or denial decisions.
- Engaged in continuous learning to stay updated on best practices in credit analysis and financial modelling.
- Reviewed and updated credit and loan files to ensure accuracy and completeness of documentation.
- Provided mentorship and training to junior credit analysts on financial analysis techniques and tools.
- Implemented risk assessment tools and techniques to improve the accuracy of credit evaluations.
- Collaborated with loan officers and underwriters to structure credit solutions that meet clients' needs.
- Analyzed credit risk data to assess borrower eligibility and loan viability.
- Reviewed loan applications for compliance with regulatory standards and internal policies.
- Collaborated with cross-functional teams to enhance credit evaluation procedures.
- Mentored junior analysts in credit risk analysis techniques and best practices.
- Reviewed credit applications and performed in-depth financial analysis to determine the risk associated with loan approval.
- Identified trends in borrower behaviour that could affect future lending decisions.
- Collaborated with credit association and business representatives to exchange valid credit information.
Loan Officer - Ab Microfinance Bank
(2017-12 - 2021-12)
- Actively uphold high data quality standards by ensuring that all information entered into the bank's systems and documentation by trainees is not only accurate but also updated promptly.
- Orchestrated the real-life exposure of new employees to field operations for product promotion and client acquisition.
- Provided mentorship and training to junior credit analysts on financial analysis techniques and tools.
- Trained junior employees on loan recovery processes, credit analysis, credit procedures and policies, and loan guidelines and supervised their performances, resulting in new employees being effective members of the department faster.
Trainee /Junior Loan Officer - Ab Microfinance Bank
(2014-07 - 2017-11)
- Conducted client home visits for business analysis and creditworthiness assessment to determine loan eligibility.
- Addressed customer inquiries promptly, providing tailored solutions.
- Delivered exceptional customer service to prospective and existing clients.
- Executed direct promotions and marketing activities to showcase the bank's product offerings.
- Advised clients on optimal loan facilities aligned with their business needs to ensure customer satisfaction and timely loan repayments.
- Proactively addressed customer needs with prompt, suitable solutions.
- Guided clients to choose the best-suited loan facility for their business needs
- Analysed and examined inherent risks associated with clients' businesses, family dynamics, or attitude and personality traits that may jeopardise their ability to repay the loan within the specified maturity period or hinder the bank's efforts to successfully recover the loan in the event of client default.
- Involved in effective and efficient direct promotions.
Sales Executive - Kae-max Pharmacy and Stores
(2011-01 - 2013-12)
Responsibilities
- Aggressively Marketed the Company's Product.
- Enlightened customers of the company's product.
- Maintained excellent customer relationship management.
- Ensured high turnover of the company's product.
- Ensured prompt collection of credit sales from customers.
Basic Science Teacher (NYSC) - Josad Heritage International Schools
(2010-03 - 2011-02)
Responsibilities
- Imparted knowledge to students and set up a good environment in which students can learn effectively.
- Prepared the student scheme of work.
- Checked the students' notes and textbooks daily.
- Prepared examination questions and marked exam scripts.
