Zonal internal auditor at Spectrum microfinance bank (2022-11 – Present)
- identify control gaps, risk exposures,and process inefficiencies
- conduct routine and spot audit exercises across branches within the assigned zone
- review operational processes to ensure compliance with internal controls and regulatory standards
- prepare detailed audit reports and provide actionable recommendations
- monitor implementation of audit recommendations and follow up on unresolved issues
- carrying out fraud investigation and risk assessment activities
- ensure adherence to company policies and industry regulations
Internal Audit Officer at Spectrum Microfinance Bank (2021-05 – 2022-10)
Ensured that the bank`s internal control and regulatory policies are been complied with and to ensure effectiveness and efficiency in operations as well as safeguarding the assets of the organization.
- Provides prudent audit coverage with a reasonable cost
- Carryout all forms of audit as approved for the period under review
- Shape internal audit strategy and methodology to meet company goal.
- Manage end to end audit process from scoping to field work and report writing.
- Verify implementation of controls through testing and interacting with relevant company staff.
- Report on controls deficiencies to management and make adequate recommendations to mitigate risk and add value.
Compliance and Inspection manager at LAPO Microfinance Bank (2020-08 – 2021-04)
- Monitored compliance to internal and external policies
- Carried out oversight on operations of branches under my supervision.
- Reviewed utilization of human resources
- Reported all risk exposures of branches under me through risk register.
- Reviewed credit process to identify and report inherent risk in the process.
- Conducted periodic monitoring visit to customers for feedback on loan utilization.
- Reviewed customer interest waiver request before it is granted.
Internal control officer at LAPO Microfinance Bank (2017-02 – 2020-07)
- Daily call over of previous day transaction
- Snap check on vault balances/cash count
- Reviewed credit files before disbursement
- Monitored compliance to extant rules, policies and procedure of the bank.
- Monitored compliance with due diligence and KYC standards.
- Verification of prices for purchases and certifying vouchers.
- Actively participated in zonal audit exercise
- Carried out spot check visit to customers for account reconciliation.
- Monitored performance in the job description of staffs.
- Reviewed various ledgers and accounts
Accountant/Head of operations at LAPO Microfinance Bank (2016-04 – 2017-01)
- Supervised day-day running of operations in the branch
- Supervised tellers, cashiers and cash officer to ensure they carried out their duties in line with laid down procedures.
- Ensured the books/ledgers are balanced before the close of business on a daily basis.
- Ensured vault management
- Prepared bank reconciliation
- Paid salaries and allowances as approved
- Prepared relevant books of account
- Prepared expenses budget
- Put cost control measures in place to reduce wastages and abuse in the use of bank`s assets
Loan officer at LAPO Microfinance Bank (2014-03 – 2016-03)
- Educated customers on loan products available to facilitate decision making, describing complex terms in easy-to-understand language.
- Analyzed customer`s history and financial reports to assess risk and creditworthiness.
- Documented customers application for loans
- Carried out appraisal of customers and guarantors.
- Monitored and followed up with repayment
- Developed sales initiatives/conducted product campaigns.
