* Monitored transaction dynamics and performance of loan portfolio to identify early warning signals, account delinquency was prevented. * Developed and implemented comprehensive risk management strategies to safeguard bank assets and operations. Implementing automated solutions for risk management reporting.* Conducted risk assessment on supported business segments to identify vulnerabilities and recommend risk mitigation measures that prevented credit loss.* Researched and analyzed client’s business and financial information to evaluate and mitigate client’s current and potential exposures to credit repayment risk.* Enhanced the Banks’s credit risk culture by conducting training sessions and workshops for account managers.* Analyzed cash flows and debt repayment capacity of complex credit using internal and external financial models as well as stress testing to identify appropriate financing options, covenant levels and weak links in the existing financing structure. This led to year-on-year zero percent non-performing loan portfolio. * Coordinated with loan booking team, transaction monitoring unit, distribution, and legal teams as well as account management team to facilitate loan drawdown by ensuring that all conditions precedent to drawdown are appropriately complied with and all conditions subsequent are tracked to fulfilment.* Forged and nurtured strong partnership with other departments, actively contributing to their success through timely reporting, insightful analysis, and dedicated support.* Conducted detailed collateral analysis, paying due attention to collateral acceptability, legality of title (for mortgage loans), coverage (LTV adequacy) and ease of realization in default scenario.* Engaged defaulting clients loan accounts and worked out favorable repayment model, this resulted in 14% loan write back into the banks books.* Ensured compliance with the Bank’s lending processes, policies and procedures.

* Ensured timeliness of annual reviews and annual renewals of credit facilities, maintained a zero percent overdue review y-o-y. * Constantly offered support and access to all necessary reports to understand customer payment trends, proactively identified potential risks, and foster collaborative risk mitigation strategies.* Championed credit risk monitoring culture throughout the organization by promoting visibility and access to credit reporting and monitoring tools.* Managed accounts receivables through effective collection strategies by proactively communicating to obligors, including negotiation and authorization of workable payment plans.* Developed a settlement framework for delinquent credit cards, this increased the portfolio collection rate by 10% yoy.* Monitored transaction dynamics and performance of commercial loan portfolio to identify early warning signals that prevented account delinquency.* Visited customers when required to achieve a clear understanding of credit risk and mitigate them appropriately before loan goes delinquent.* Prepared schedule for expired and delinquent accounts to ensure accounts were promptly regularized.* Assumed ownership of disseminating and monitoring the monthly collection target, ensuring clear communication and accountability across teams.* Demonstrated strong problem-solving skills by devising effective strategies to handle underpayments and overpayments, ensuring timely resolution, and eliminating customer inconvenience.* Periodic preparation of regulatory report of portfolio at risk for management insights.

• Prevented revenue leakage and financial risk exposure by conducting proper credit assessment on credit applications whilst recommending the same for disbursal. • Was part of a team that grew the consumer loan portfolio by N9.7bn in 12months. • Trained, advised, and communicated credit decisions and policies to initiating staff. • Profiled SMEs for facilities using credit skills, debt service coverage ratio (DSCR), cash flow analysis & projections whilst adopting the 5 Cs of credit. • Conducted detailed collateral analysis, paying due attention to collateral acceptability, legality of title (for mortgage loans), coverage (LTV adequacy) and ease of realization in default scenario. • Conducted mandatory/regulatory credit checks on all borrowing obligors while further providing due interpretation to ascertain credit worthiness of the customer. • Stayed knowledgeable regarding credit, market, environmental, and compliance risk during credit review.

• Profiled clients to provide appropriate banking and investment solutions whilst responding to their enquiries and everyday banking needs.• Ensured the bank's brand is projected positively and visible amongst new and existing customers through close relationship management. • Focused the sales effort around identifying and fulfilling customers' current and future needs. • Prepared, outlined, and implemented strategic plans to meet up group and clusters’ goals. • Customer/bank relationship management whilst providing sound financial advisory services to all customers regarding investment in treasury bills, bonds and fixed deposit.

• Monitored competition activities and analyzed how it affects Etisalat’s growth in the market. • Managed Easy Starter and Talk-zone product, active subscriber increased by a million in six months. • Conducted research on new product initiatives/options for convergence aimed at EMT’s Mass Market and proffer recommendations to the Manager, Mass Market. • Assisted is developing concepts for promotional campaigns directed at the mass market. • Oversaw the implementation of Etisalat’s roadshow fiesta targeted at EMT’s mass market, there was brand visibility in the 9states visited over the campaign period.