About
Highly analytical and results-driven Credit Officer with over 3 years of experience in MSME loan portfolio management and credit risk mitigation. Proven expertise in leveraging data insights for robust credit analysis, enhancing operational efficiency, and driving strategic business growth. Adept at ensuring regulatory compliance and optimizing debt recovery processes to safeguard financial assets.
Work
Beyond Credit Limited
|Credit Administration Officer
Ikeja, Lagos, Nigeria
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Summary
Leads credit administration and risk mitigation efforts for MSME loans, leveraging data analytics and compliance expertise to optimize operations and drive recovery.
Highlights
Developed and implemented a comprehensive Microsoft Excel model, automating credit & loan recovery incentives and data allowance calculations to significantly improve operational efficiency.
Ensured 100% compliance with regulatory standards, corporate policies, and data protection by meticulously assessing loan decision activities, mitigating potential risks.
Mitigated and reduced credit risk through detailed review and analysis of customer credit reports, safeguarding portfolio integrity and minimizing potential losses.
Prepared and presented regular, data-driven reports on Branch sales performance, collection efforts, and delinquent accounts to senior management, informing strategic decisions and operational adjustments.
Supervised and optimized collection processes for delinquent accounts, proactively identifying and addressing issues to enhance recovery rates.
Beyond Credit Limited
|Credit risk & Loan Officer
Oshodi, Lagos, Nigeria
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Summary
Managed comprehensive credit risk assessments and loan origination, significantly expanding client acquisition and optimizing portfolio performance.
Highlights
Analyzed applicants' financial status, credit, and property evaluations to determine loan feasibility, supporting informed lending decisions and risk mitigation.
Significantly increased branch leads by 90% monthly through direct promote referrals, driving substantial business growth and client acquisition.
Conducted regular reviews of existing client portfolios, identifying and capitalizing on opportunities for refinancing and adjustments to optimize loan terms and client satisfaction.
Provided expert guidance to potential borrowers on Beyond Credit Limited loan options, offering tailored recommendations aligned with their financial goals.
Beyond Credit Limited
|Graduate Trainee Loan Officer
Egbeda, Lagos, Nigeria
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Summary
Completed comprehensive training in credit procedures and risk assessment, gaining foundational expertise in loan origination and client evaluation.
Highlights
Engaged in intensive credit procedures training, understudying Credit Managers to master loan origination, assessment, and risk mitigation protocols.
Conducted thorough loan assessments and risk analyses by visiting customers' businesses and residences, gathering critical data for informed lending decisions.
Actively pursued professional development by attending academic conferences and presenting research findings, enhancing theoretical knowledge in credit and risk management.
Education
University of Lagos
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Master of Science (MSc)
Risk Management and Insurance
Courses
Risk Management and Insurance
University of Lagos
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Bachelor of Science (BSc)
Insurance
Courses
Insurance
Certificates
ACIB in view (Diploma level)
Issued By
CIBN
Data Analysis Mastery
Issued By
Dataleum Academy
Forward program Soft skills
Issued By
McKinsey & Company
Skills
Software & Tools
Microsoft Excel, Google Sheets, Power BI, MySQL, PowerPoint, Canvas, Outlook, Generative AI.
Professional Competencies
Communication, Strategic Problem Solving, Resilience, Adaptability, Leadership Psychology, Stakeholder Management.
Business Operations & Strategy
Business Development, Strategic Planning, Relationship Management, Administration, Process Optimization, Customer Service.
Data Analysis & Business Intelligence
Financial Modeling, Reporting & Presentation.
Credit & Risk Management
Credit Analysis, Debt Recovery, Portfolio Management, Credit Bureau Management, NCR Management, Regulatory Compliance.