Tope

Seasoned Credit Underwriter and Relationship Manager with extensive experience across the microfinance and credit management sectors, skilled in assessing credit risk, managing client relationships, and driving loan portfolio growth. Demonstrates a strong ability to streamline loan processes, reduce default rates, and implement policies aligned with regulatory standards. Known for a client-centered approach and proven success in expanding portfolios, enhancing operational efficiency, and maintaining high client satisfaction.

Equipped to support financial objectives by delivering strategic, data-driven insights and fostering effective teamwork.

Credit Analyst - Autochek Financial Services

(2024-11)

• Evaluate and analyze credit applications for vehicle financing using financial models and risk indicators.
• Conduct creditworthiness assessments by reviewing applicants' income, debt profile, and repayment capacity.
• Generate credit reports and provide recommendations on loan approvals in compliance with internal lending policies.
• Monitor existing loan portfolios to identify early warning signs of default and initiate appropriate risk mitigation steps.
• Liaise with internal teams and financial partners to ensure timely processing of loan disbursements and documentation.
• Achieved a 92% loan approval accuracy rate by refining credit assessment protocols within the first six months.
• Reduced non-performing loans by 18% over Q1 and Q2 2025 through proactive monitoring and risk control measures.

Credit Underwriter - Option Financial Services Limited

(2022-01 - 2024-10)

• Assessing loan applications by analyzing clients' creditworthiness, financial health, and repayment capacity.
• Managing a portfolio of high-risk accounts, implementing strategies to mitigate potential losses.
• Reviewing and adjusting credit policies to align with company standards and regulatory requirements.
• Preparing detailed financial reports on loan performance and identifying trends impacting credit quality.
• Reduced loan default rate by 15% within the first year by implementing a more stringent risk assessment process.
• Achieved a 25% increase in loan approval efficiency through enhanced training programs for junior underwriters.

Relationship Manager - Advans Lafayette Microfinance Bank

(2020-01 - 2020-12)

• Managed a diverse client portfolio, offering tailored financial solutions to meet customers' unique needs.
• Developed strong relationships with clients, providing support on financial planning and credit services.
• Monitored account activities, addressing customer concerns promptly to maintain client satisfaction.
• Collaborated with the marketing team to identify and onboard new clients in the microfinance sector.
• Increased client retention rate by 20% through dedicated account management and personalized financial solutions.
• Generated an 18% growth in deposits by promoting new savings products to existing and new clients.

Senior Loan Officer - Beyond Credit Limited

(2017-01)

• Evaluated loan applications, verified customer information, and determined creditworthiness.
• Supervised a team of junior officers, providing guidance on loan assessments and client interactions.
• Liaised with clients for document verification, loan disbursements, and repayment scheduling.
• Ensured compliance with company policies and legal standards in all loan transactions.
• Successfully lowered loan approval turnaround time by 30% through streamlining loan processing steps.
• Increased loan portfolio by 22% by expanding outreach efforts to new customer segments.

Loan Officer - Susu Microfinance Bank, Lagos State

(2013-01 - 2013-12)

• Conducted credit checks and assessed applicants' financial history to determine loan eligibility.
• Managed loan application documentation, ensuring all client information was complete and accurate.
• Maintained regular communication with clients to address inquiries and support loan repayments.
• Collaborated with the recovery team to address overdue accounts and minimize non-performing loans.
• Achieved a 90% loan recovery rate by implementing a proactive client follow-up system.

B. Sc. - Microbiology - University of Ilorin, Kwara State (2007-01 - 2011-12)

SSCE (WAEC) - Federal Government College, Ikole-Ekiti (2000-01 - 2006-12)