• Review credit applications within approved parameters and make recommendations for approval authority highlighting all issues of concern and provide risk mitigation strategies for adoption.• Analyse credit data to estimate degrees of risk in extending credit.• Prepare periodic portfolio reports for onward submission to Management, Regulator and Group.• Conduct daily monitoring of loans and advances, ensuring that pro-delinquent facilities are escalated to the Credit Manager for prompt remedial action.• Assisted in the development of a risk-based pricing model used for retail loans.• Increased scheme portfolio to 30% of the total retail book with a non-performing loan rate of less than 5% by analysing financial statements of thirty-eight companies to be onboarded in our scheme portfolio.• Developed and maintained loan origination database using MS Access to track loans. • Streamlined the overdraft application process, resulting to 10% improvement in credit delivery and efficiency.• Delivered technical credit training programs for new sales hires, enhanced team knowledge, and reduced onboarding time by 30%.

• Prepared daily, weekly and monthly general ledger reconciliations for the various operations of the bank within timeframe and ensuring such preparation is performed in line with the Bank’s policy.• Investigated variances between reports and processed transactions on the Bank’s system and prepare correcting journals as required.• Escalate any irregularities identified during the preparation of the reconciliation statements to management• Recommend corrections for variance to ensure timely resolution.• Ensured items outstanding reflect correctly as per its status on the reconciliation system.

• Strived for quick complaint resolution; commended by supervisor for the ability to resolve problems on the first call ad avoid escalation of issues.• Responded to telephone inquiries, provided quality services to customers inquiring availability and eligibility to bank products.• Sold bank products such as credit cards, insurance, and investment products to customers which increases the bank revenue.