About
Highly dedicated and detail-oriented Branch Manager and Credit Specialist with over eight years of experience in the financial services industry, specializing in microfinance. Proven expertise in driving substantial loan portfolio growth, significantly reducing portfolio-at-risk, and successfully expanding market penetration. A results-driven leader committed to fostering high-performing teams, optimizing operational efficiency, and delivering exceptional customer service to achieve strategic business objectives.
Work
Lagos, Lagos, Nigeria
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Summary
Currently leads all operational, sales, and administrative functions for a microfinance branch, driving significant loan portfolio growth, market expansion, and risk mitigation while fostering high-performing teams.
Highlights
Increased branch loan portfolio by 82% from N165 Million to N300 Million within one year, significantly exceeding growth targets.
Led successful penetration of Accion Microfinance Bank products into three new major markets, expanding reach and customer base.
Reduced Branch Portfolio at Risk (PAR) from 15% to 6%, demonstrating effective risk management and credit quality improvement.
Oversaw the professional development and promotion of 100% of account officers, cultivating a high-performing and motivated team.
Developed and achieved aggressive sales goals, consistently growing branch revenues through strategic planning and execution.
Lagos, Lagos, Nigeria
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Summary
Managed comprehensive branch operations, overseeing balance sheet health, rigorous credit analysis, and risk mitigation strategies to ensure compliance and cultivate a high-performance team culture.
Highlights
Managed the Branch Balance Sheet, ensuring financial health and stability through effective resource allocation and oversight.
Streamlined credit review and analysis processes, leading to more accurate loan recommendations and reduced credit risk.
Ensured timely assessment of customer and guarantor creditworthiness, improving efficiency and quality of loan approvals.
Implemented robust risk mitigation strategies by strictly adhering to Bank procedures, safeguarding institutional assets.
Cultivated a high-performance culture among staff within the branch, enhancing productivity and team cohesion.
Lagos, Lagos, Nigeria
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Summary
Spearheaded SME relationship management as Unit Head, focusing on new customer acquisition, efficient loan processing, and ensuring robust loan repayment and recovery within the unit.
Highlights
Led regular group marketing initiatives to successfully onboard new customers, expanding the SME client base.
Fostered strong synergy among loan officers within the unit, enabling collective achievement of set targets and enhanced performance.
Conducted thorough verification of customers and guarantors, ensuring accurate creditworthiness assessments and minimizing default risks.
Ensured fast and stress-free loan application processing, significantly improving customer satisfaction and turnaround times.
Achieved full repayment and effective recovery of loan facilities disbursed, maintaining a healthy loan portfolio for the unit.
Lagos, Lagos, Nigeria
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Summary
Managed comprehensive loan processes from applicant assessment and credit analysis to negotiation, monitoring, and policy communication, ensuring profitable and compliant loan decisions.
Highlights
Assessed creditworthiness of applicants based on investigative findings, ensuring sound loan decisions and mitigating risk.
Analyzed past due accounts and implemented precautions to prevent future credit losses, proactively managing portfolio health.
Negotiated loan terms and conditions to ensure profitability of loan decisions while meeting customer needs.
Monitored borrowing trends, payments, and credit exposure on a weekly basis, identifying and addressing potential issues promptly.
Provided marketing, training, and counseling on the company's credit policy to new account applicants, ensuring compliance and understanding.
Lagos, Lagos, Nigeria
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Summary
Supervised retail operations, driving business growth through market expansion, optimizing inventory, and ensuring exceptional customer satisfaction and profitable pricing strategies.
Highlights
Improved business growth by identifying and penetrating new potential markets and advertising outlets, increasing market share.
Conducted comprehensive research on competitors' pricing, packaging, and marketing strategies to inform competitive positioning.
Achieved 100% daily customer satisfaction by consistently providing outstanding service and resolving inquiries promptly.
Analyzed and controlled all inventory discrepancies on a daily basis, enhancing operational efficiency and reducing losses.
Ensured profitable pricing strategies were implemented for all products, contributing to overall business profitability.
Certificates
Skills
Leadership & Management
Staff Development, Team Leadership, Conflict Resolution, Problem-Solving, Business Development, Planning & Organization, Performance Management.
Financial & Credit Management
Loan Portfolio Management, Credit Analysis, Risk Mitigation, Loan Recovery, Balance Sheet Management, Financial Forecasting, Sales Goal Achievement.
Operations & Customer Relations
Customer Service, Operational Management, Market Penetration, Compliance Adherence, Inventory Control, Customer Onboarding, Complaint Resolution.
Software & Tools
Microsoft Office Suite.
Professional Attributes
Strong Work Ethic, Adaptability, Flexibility, Emotional Intelligence.