Certified Credit Risk Manager

IBIYINKA OLUWATOYIN OKEOWO, M_O_R, PRINCE *

NO **, AINA STREET

OJODU BERGER

LAGOS STATE

ac8m7a@r.postjobfree.com

(234)802-***-****,090********

OBJECTIVE

A certified Risk Specialist with an aim to pursue a highly rewarding career in a challenging but healthy work environment where skills and knowledge are efficiently utilized for organizational and personal growth.

EDUCATION

Economics, Bachelor of Science June 2000 – August 2004

University of Ado-Ekiti, Ekiti State

2nd Class Honors

Studies focused on managerial economics, petroleum economics, agriculture economics, business administration, fundamentals of accounting and Econometrics. Contributed to team projects with project work centered on “Financing Agriculture in a Deregulated Economy: The Nigerian Experience”.

EXPERIENCE

Manager- Finance & Budgeting:

Tbelian Business Solutions: Nov 2016 – Till date

Monitored the Financial performance of the Company and how it affects the Credit Risk of the Business

Responsible for the preparation of financial statements for all lines of business.

Responsible for completion of annual and monthly budgets in a timely and detailed manner.

Analyze trends in sales, expenses and capital expenditures for variances and make appropriate adjustments.

Manage development of all budgets, forecasting and operational planning tools.

Run monthly forecasting models to identify risks and opportunities.

Analyze revenue, expense, headcount and planning

Credit Review & Monitoring: Commercial Banking Division

Access Bank, Head Office, VI, Lagos: December 2014 – October 2016

Monitoring

Monitor the performance and Quality of the Division’s Risk Asset Portfolio

Monitor compliance with financial and non-financial covenants on facilities

Review of the Commercial Banking Division’s Liability position

Review of attested call over of generated list of:

oApproved credit facilities maintained on all previous working day(Daily Deals)

oApproved requests advertently used to tactically manage expired facilities, unpaid matured obligations etc.

oUnpaid Obligations (OD no limit status & overline Position)

Review/Analysis of Overdraft utilization & efficiency(financial covenant, turnover clause, minimum weekly collection)

Snap review of specified facilities

Review/Analysis of credit requests using the risk asset rating, Balance sheet, Income statement, call memos and credit checks.

Ensure compliance of credits disbursed to terms and conditions contained in the approved Facility Agreement Memo including income tracking. Income tracking shall include cot rates, interest rates, commissions, default rates, fee concessions, waivers and deferrals.

Review of Daily Debits: Daily check on accounts going in to debit for the first time. This is escalated and brought to the attention of the relationship managers for regularization.

Review of maturing obligations with emphasis on rental obligation and final maturities.

Review

Recommend credit request for the approval of the Chief Risk Officer, Group Heads and other approving authorities as stipulated by the Bank’s credit policy guide.

Amendment and re-alignment of credit requests in line with best-fit purposes.

Identification of inherent risks in credit requests in addition to mitigating those risks or creating better alternatives to manage them.

Analytical Inference using financial statements to determine their sales & profitability, Asset Management, Liquidity & Leverage as well as their Cash flow projection.

Review Business Risk, Cash flow projection analysis, identifying cash drivers and access to liquidity in various credit requests.

Team Lead, Credit Documentation& Compliance – Risk Management Group

Skye Bank Head office VI, Lagos: December 2013 – November 2014

Ensure credit file documents are up to date and appropriately filed in line with the regulatory requirements.

Liaise on behalf of the Bank with Auditors and Regulatory bodies during periodic and routine review of the Banks Risk Asset Portfolio.

Conducts spot checks on branches to ensure they comply with the approved credit file management policy of the Bank

Ensure proper maintenance of the Bank’s credit files archives

Worked hand in hand with the Credit Administration Unit for recent approvals on the Bank’s top 500 customers and ensure their records are up to date.

Credit Control and Compliance- Risk Management Group: Jan 2009– November 2014

Skye Bank, Head Office, VI, Lagos.

Review & Monitor the bank’s risk assets Portfolio on a daily/weekly/monthly basis to ensure compliance with agreed terms and conditions with a view to preparing exceptions for management e.g. unauthorized transactions, expired facilities, excess above limit etc.

Generated reports based on findings/recommendation for Management/Regulatory Authorities (BCC-Board Credit Committee, CBN Quarterly Report etc.

Monitors compliance of credits disbursed to terms and conditions of the approval including income tracking. Income tracking shall include cot rates, interest rates, commissions, default rates, fee concessions, waivers and deferrals.

Evaluate the quality of individual loans within the Bank’s portfolio to assist in timely identification of early warning signals.

Provide well defined solutions or recommendations for noted deficiencies.

Confirm credit quality and classification of existing exposures

Process release of shipping documents

Identify and recommend accounts for Watch listing and Classified Risk Assets Committees.

Visit customer’s offices, factories, warehouses and Project sites to compare level of work done/ Vis a Vis the amount availed.

Business Development Officer March 2007 – Jan 2009

Skye Bank Plc, Oba Adebimpe Branch,Ibadan

Facilitate different marketing presentations/forums to cross sell the Bank’s Products

Handled cash/cheques pick-up transactions for various customers

Processed release of shipping documents

Reviewed/Analyzed/Packaged customers facility requeste.g. Temporary Overdrafts, Term loans, Advances, Lease finance Facility, Import finance facility.

Vault operations.

Graduate Assistant (NYSC) Feb 2005 – Feb 2006

Federal Polytechnic Kaura Namoda

Zamfara State

Served as assistant lecturer in Business Administration for ND 1 & 2 students

Assessed the students based on the course outline

Prepared the results of the assessment for accreditation

SKILLS & STRENGTHS

Great Interpersonal Skills

Good Team Player

Flair for Writing

Excellent Communication Skills

PROFICIENCY

Adobe Reader 9

MS Office Suite

Power Point

Flexcube 2.0 Banking Application

Kastle Universal Lending Suite

RECENT CERTIFICATION& AWARDS

Moody’s Analytics Credit Risk Training July 2016

M_o_r(Management of Risk)Certification February 2015

Harry Baker Professionals

APM Group (Course Developed by the Office of Government Commerce

(OGC) United Kingdom)

PRINCE 2 Foundation & Practitioner Certification August 2013

HarryBaker Professionals APM Group

(Course Developed by the Office of Government Commerce

(OGC) United Kingdom)

Associate Member, 2011—Till Date

RIMAN(Risk Management Association Nigeria)

Student Member

CIBN(Chattered Institute of Bankers Nigeria)2012 – Till Date

3rdPlace Winner, 2011

Health Week Essay Competition,

“Dietary Challenges in the 21st Century”

Skye Bank Health Week Essay Competition

Credit Risk Management Training – June 2010

(Dun and Bradstreet)

Professional Selling and Marketing Financial Services – February 2007

(Dale & Parker Consulting)

Referees will be made available on request

Contact this candidate