Usman Ibrahim

Results-driven professional with 9+ years of experience in education, banking, microfinance, and business relationship management. Proven track record in client acquisition, loan management, and institutional partnerships. Strong analytical and interpersonal skills with fluency in English, Hausa, and Nupe. Committed to delivering value through integrity, attention to detail, and client-focused service.

Credit Analyst (CA) & Loan Recovery Officer (LRO) - Spring Sky Finance Company Limited - Lagos

(2026-01)

• Assess loan applications and recommend credit decisions.
• Monitor loan portfolios and manage loan recovery.
• Follow up on repayments and resolve delinquent accounts.
• Prepare credit reports and ensure compliance with company policies.

Business Relationship Manager [BRM] - Moniepoint Nig. Ltd - Minna Branch

(2022-01 - 2023-12)

• Onboarded and managed over 150 SME clients, driving 30% growth in monthly transaction volume
• Conducted credit assessments and recommended loan facilities in line with company policy
• Built and maintained strong client relationships to ensure retention and upselling of financial products
• Prepared weekly performance reports and collaborated with operations to resolve client issues

Loan Officer - FCMB Microfinance Bank

(2021-01 - 2022-12)

• Assessed loan applications, verified documentation, and conducted field appraisals for MSMEs
• Monitored loan portfolio performance and followed up on repayments to reduce NPLs
• Educated clients on financial products and responsible borrowing practices
• Maintained accurate records in line with CBN and internal compliance standards

Direct Sales Agent [DSA] - First City Monument Bank [FCMB]

(2019-01 - 2020-12)

• Marketed retail banking products including accounts, loans, and cards to individuals and businesses
• Achieved 110% of quarterly sales targets for 3 consecutive quarters
• Conducted KYC and account opening processes in compliance with regulatory requirements

Mechanic Officer - Niger State Transport Authority - Minna

(2018-01 - 2019-12)

• Supervised routine maintenance and repairs of government fleet vehicles
• Coordinated with mechanics to minimize vehicle downtime and reduce operational costs
• Maintained maintenance logs and prepared reports for management

NYSC Place of Primary Assignment - Tendersoul Comprehensive College - Ijebu-Igbo, Ogun State

(2017-01 - 2018-12)

• Taught Mathematics and Basic Science to junior secondary students
• Organized extracurricular activities and mentored students on career choices
• Assisted with school administration and examination coordination

Student Industrial Work Experience Scheme [SIWES] - Julius Berger Nig. Ltd

(2014-01 - 2014-12)

• Gained hands-on experience in site operations, materials management, and project documentation
• Supported engineering teams in data collection and reporting

Teaching Practice - Day Secondary School, Tunga Minna - Niger State

(2014-01 - 2014-12)

• Delivered lesson plans in Science and Mathematics
• Evaluated student performance and provided feedback to improve learning outcomes

B.Eng / B.Tech - Federal University of Technology, Minna (2016-12)

Senior Secondary School Certificate - Federal Science College, Sokoto (2008-12)

Junior Secondary School Certificate - Himma International College (2002-12)