Emmanuel Okunlola Mica, Mba Email & Phone Number

124, Awolowo Road, Ikoyi, Lagos Nigeria

Monitors watch-listed accounts to ensures that they are active.• Designed the impairment model for the Bank.• Prepares monthly, quarterly and half yearly credit/investment portfolio report to the Management Credit committee, Board Credit Committee and Board of Directors• Makes monthly provision for Non-performing loans accounts in line with IFRS/CBN Prudential Guidelines• Ensures proper monitoring of all counterparty risks and proactively manages the risks of the overall credit… Show more Monitors watch-listed accounts to ensures that they are active.• Designed the impairment model for the Bank.• Prepares monthly, quarterly and half yearly credit/investment portfolio report to the Management Credit committee, Board Credit Committee and Board of Directors• Makes monthly provision for Non-performing loans accounts in line with IFRS/CBN Prudential Guidelines• Ensures proper monitoring of all counterparty risks and proactively manages the risks of the overall credit policy of FirstTrust Mortgage Bank Plc.• Managing a Credit portfolio of over N18.5billion.• Actively contributing to the development of the FirstTrust Mortgage Bank Plc’s corporate strategy.• Ensures effective performance of credit monitoring functions on loans in the Bank’s portfolio with low - mid complexity.• Analyse and recommend non performing accounts to Management for classification or declassification or remedial or recovery action.• Work at resolving exceptions on account management issues emanating from monitoring reviews, audit and examinations with relevant stakeholders.• Implement the Bank’s Loan Monitoring and Account Management Responsibility Policy• Work with Information Technology-based on continuous process improvement.• Liaise with other departments (Legal Services, Internal Audit, Debt Recovery) for effective monitoring• Carry out monthly analysis of account performance on all loans in the Bank’s portfolio.• Ensures compliance with conditions subsequent to drawdown on approved facilities and follow-up on exceptions.• Analysed credit proposals to evaluate projects feasibility, risks and returns.• Ensured compliance credit policies.• Supervised and monitored recovery action by credit department.• Reviewed credit risk measures and documents.• Conducted credit analysis and monitored portfolio of locally approved credits.• Developed strategies to acquire potential and trusted customers. Show less

124, Awolowo Road Ikoyi, Lagos State

• Monitors watch-listed accounts to ensures that they are active.• Designed the impairment model for the Bank.• Prepares monthly, quarterly and half yearly credit/investment portfolio report to the Management Credit committee, Board Credit Committee and Board of Directors• Makes monthly provision for Non-performing loans accounts in line with IFRS/CBN Prudential Guidelines• Ensures proper monitoring of all counterparty risks and proactively manages the risks of the overall… Show more • Monitors watch-listed accounts to ensures that they are active.• Designed the impairment model for the Bank.• Prepares monthly, quarterly and half yearly credit/investment portfolio report to the Management Credit committee, Board Credit Committee and Board of Directors• Makes monthly provision for Non-performing loans accounts in line with IFRS/CBN Prudential Guidelines• Ensures proper monitoring of all counterparty risks and proactively manages the risks of the overall credit policy of FBNML.• Managing a Credit portfolio of over N4.5billion. • Actively contributing to the development of the FBNML’s corporate strategy.• Ensures effective performance of credit monitoring functions on loans in the Bank’s portfolio with low - mid complexity.• Analyse and recommend non performing accounts to Management for classification or declassification or remedial or recovery action.• Work at resolving exceptions on account management issues emanating from monitoring reviews, audit and examinations with relevant stakeholders.• Implement the Bank’s Loan Monitoring and Account Management Responsibility Policy• Work with Information Technology-based on continuous process improvement.• Liaise with other departments (Legal Services, Internal Audit, Debt Recovery) for effective monitoring• Carry out monthly analysis of account performance on all loans in the Bank’s portfolio. • Ensures compliance with conditions subsequent to drawdown on approved facilities and follow-up on exceptions.• Analysed credit proposals to evaluate projects feasibility, risks and returns.• Ensured compliance credit policies.• Supervised and monitored recovery action by credit department.• Reviewed credit risk measures and documents.• Conducted credit analysis and monitored portfolio of locally approved credits.• Developed strategies to acquire potential and trusted customers. Show less

Head Office

Conveyance of Management decision on credit. Ensure compliance to Credit Documentation as directed by Central Bank of Nigeria (CBN) Receive/Record Credit Approval Memorandum (CAMs) from CAP, SLD and Credit Secretariat.Check to confirm that approvals are in line with laid down procedures.Timely and accurate convey of credit decisions together with approved terms/conditions and transaction dynamics (if any).Rendering relevant/ad-hoc reports on issued F3800Bs as may be… Show more Conveyance of Management decision on credit. Ensure compliance to Credit Documentation as directed by Central Bank of Nigeria (CBN) Receive/Record Credit Approval Memorandum (CAMs) from CAP, SLD and Credit Secretariat.Check to confirm that approvals are in line with laid down procedures.Timely and accurate convey of credit decisions together with approved terms/conditions and transaction dynamics (if any).Rendering relevant/ad-hoc reports on issued F3800Bs as may be required. Update of inflow and outflow of CAMs on the e-portal for tracking by RM.Capture collateral/security details of all facilities approved at Head Office and Branches.Collate and forward collateral/security details to IT for upload on Finacle(Branch approvals)Analyze request for release of pledged collateral/securities upon full liquidation of facilities by customers.Liaise between relationship team and Legal Services for effective management of the bonds & guarantees issuance process.Release of Bond to the Relationship team or forward same by special courier where all conditions have been met or refer back to RM if conditions are not fully resolved.Capture all released bonds on Finacle/Excel and removal of lien on pledged cash securities e.tc.Reversal of cancelled B & G from Finacle/Excel.Respond to all other issues relating to B & G from RMs/BUs e.g Called- in Bonds.Maintain the security of all information entrusted to staffComply with the principles and policies in the information security handbookAny other tasks assigned by Head, CRM and Head, Credit Control.Rendering of reports/ad-hoc reports as may be required for necessary reporting to CBN,NDIC and the Bank’s Management. Show less

Igando

 Compilation of receipts received from customers Lodgments of cash and cheques to bank Recording transaction into the books of account

Master Of Business Administration - Mba

Master Of Business Administration - Mba, Finance

Post Graduate Diploma, Management Science

Higher National Diploma, Accounting, Distinction

Activities and Societies: Unionist Best Student in Management Accounting. Senator presenting Accountancy at the Senate of (Student Union.

Ssce, Sciences, 7 Distinctions & I Credit