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Customer Service Credit Risk

Location:
Lawrenceville, GA
Posted:
December 26, 2023

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Omobolanle Patricia Aturu

Dallas, Georgia +1-678******* ad18fx@r.postjobfree.com

Skilled and experienced in Personnel management, customer service, employee’s engagement, diversity and inclusion, risk and credit analyses.

Seeking a challenging position, where I can utilize my extensive knowledge and contribute my quotas to the success of the organization.

Skills:

Commercial Credit Analysis

Risk Assessment & Mitigation

Banking Laws and Regulations

Management Principles and policies

Data Analysis

Relationship Management

Excel, Sql, Power BI

Loan Evaluation & Financial Statement Analysis

Team Training & Development

Time Management

CPR and First aid.

Cultural awareness, competency and diversity

Career Experience

Le’ Fevre Personal Care, Inc.

Direct Support Supervisor August 2023 – till date

Provide care for highly volatile individuals, administering and Maintaining community safety through proper social networking.

Train and supervise individuals with autism and other developmental disabilities using receptive and expressive communication,

Assist individuals with skills in developmental and maintenance of adaptive daily living through good nutrition and maintaining proper personal hygiene.

Empowering individuals with skills they need to make and communicate choices by creating an environment of respect in which they feel comfortable expressing those choices made.

Support activities of daily living (ADL) with individual by providing customer service and reporting of changes in them.

Follow individuals support plan (ISP) and provides support needed for each individual to reach his/her individual goals also document progress on ISP objectives, flow sheets, seizure records, feeding sheets, BM records, administration and recording of drugs on Medication Administration Record (MAR)

Respond to emergencies affecting individual, including administering CPR and using approve intervention techniques.

Experience range, including cerebral palsy, obsessive compulsive disorder, developmental disorder and autism.

Union Bank of Nigeria Plc. June 2017-June 2023

Credit Risk Associate (CREDIT RISK MANAGEMENT)

Demonstrated expertise in commercial credit principles, commercial banking laws, bank policies, accounting, and financial analysis.

Proven ability to conduct thorough and concise analyses of complex retail and commercial loan requests, evaluating risks and developing effective mitigation strategies by reviewing credit applications, perform credit investigations, efficient analysis of credit bureau report, established credit limits, analyzing financial statements, including income statements, cash flow statements, balance sheets and performing due diligence

Skilled in market analysis, credit analysis, and risk assessment and management.

Experienced in participating in credit committees and ensuring compliance with credit risk policies.

Assisted with team bonding and other indirect services of all credit Risk departments with other departments.

Escalated all retail loan transactions with unique attributes to CRO for exceptional consideration and approval.

Stayed informed about new and upcoming laws and regulations impacting credit practices.

PERSONNEL/ADMINISTRATIVE DUTIES

Developed manpower and resource requirement plans for the unit and provide input into career development of direct subordinates.

Recruitment and interviewing of outsourced staff into the unit and ensuring proper onboarding of both FTEs’ and outsourced staffs into the system.

Organized weekly training for staff on updates and changes in the products or system.

Continually seek avenues for process automation and increased efficiency of loan Processes.

Continuously seeking avenues to increase mental and physical wellness in team members.

Maintain cordial working relationship with all counterparties in the loan booking service chain, Product owners, relationship managers and Branches on matters relating to providing support for Loan transactions.

Mentor and provide guidance to all underwriters and approvers on all updated information about retail loan product papers.

Mentored interns and analyst interns, guiding their professional development.

Created new staff data on various applications of the bank based on approval and Logging of complaints that could affect staff productivity on Manage Engine for corrections.

Performed other duties both supervisory and Administrative as assigned by Chief Credit Officer and Credit Risk Officer.

People and Culture Supervisor August 2014 – June 2017

Assisted departmental leaders develop cultural inclusive competency and strategies to improve performance and decision making among team members.

Created an inclusive initiative that all employees have a sense of belonging without bias and have equal opportunities for advancement.

Fostered an inclusive mindset in departmental heads to help develop and improved their team by analyzing the department work force diversity, encouraging cultural awareness and intercultural competency and removing any form of ethnocentric behaviors within each unit.

Worked with other units- HRBPs, change management, internal control and compliance in data collection and analysis to identify area of concerns to base inclusive objectives on,

Being an advocate in removing conscious and unconscious bias from decision making process of team leadership during recruitment and onboarding and helping new staffs have a sense of acceptance and identity as member of the organization and also eliminating proximity biases on hybrid and remote workforce and ensured all bonus associated to their productivities were paid,

Helped leaders through the stages of inclusion to identify what stages they are on the inclusion continuum from unaware, aware, active and advocate stages.

Helped in Amplification by recognizing individuals’ strengths and contribution and giving recognition where necessary.

Organized training in conjunction with L&D unit for team lead and departmental heads on emotional intelligence, cultural intelligence and cultural awareness and competency.

Helped in conflict resolution by identifying, addressing and settling disagreements in a fair, efficient and peaceful manner.

PMS Officer (Project Management) May 2013 – August 2014

Spooled, sorted, and identified customers with multiple account numbers also conducted e-referencing of inward and outward accounts and Captured e-signatures of staff and customers.

Verified customers' signatures and information for proper identification.

Responsible for data management, which includes administration, processing, maintenance, testing and auditing to ensure data integrity of system designs.

Liaised with branches to resolve discrepancies in customers' accounts numbers and IDs.

Collaborated with Human Resources, IT department to extract, transform and load data, customer service unit, and Project management Head on project update and progress.

Customer Service Officer January 2010 – May 2013

Opened and maintained customers' accounts.

Managed marketing data on existing and prospective customers.

Identified customer needs and matched them with appropriate bank products and services.

Ensured timely processing of TD bookings, liquidations, NEFT transfers, UIP, and salary uploads.

Authorized fund transfer functions accurately and within prescribed timelines.

Reported valuable opportunities to the Head of Relationships.

JMG Ltd

Production Duty Data Analyst January 2009 – January 2010

Maintained inventory accounts and compared them with production reports.

Extracted, loaded, and validated production report with client data to ensure no errors in payment.

Manipulated, cleansed, and processed account payable data using MS Excel to provide team members with unreconciled data.

Supervised processes, procedures, and performance output in the production department.

Prepared daily consumption reports and audit and provided recommendation on how to solve issues.

Managed and maintained distribution of materials to production units based on requisitions.

Strategically planned and coordinated inventory and Logistic activities.

In conjunction with Quality assurance manager Ensured adherence to manufacturing order sequences and quality standards in accordance with Standard operating procedures SOP.

MaryGeorge Ventures

HR Generalist November 2006 – January 2009

Conducted staff recruitment and guided employees on organizational projects and plans.

Sourced CVs maintained recruitment database, and managed record-keeping.

Issued offer letters to successful candidates and facilitated their onboarding.

Communicated company policies to staff and maintained accurate employee records.

Provided administrative support for HR activities, payroll administration, and training.

Collaborated with department heads on staff performance appraisals.

Collaborated with HR Business Partners to offer coaching, counseling, and career development support to supervisors and managers.

Formulated strategic partnerships across HR functions to deliver efficient services for management and employees.

Assisted associates with HR inquiries, coordinating with Talent Acquisition, Benefits, Compensation, Payroll, Learning and Development, and HR Admin teams for comprehensive solutions.

Suggested and implemented new approaches, policies, and procedures to enhance department efficiency.

Contributed to various HR projects as needed, displaying flexibility and adaptability.

Education

Bachelor of Science in Business Administration University of Ado-Ekiti, Ekiti State.

Master of Business Administration in Operations Management University of Lagos, Lagos State.

Master of Science in Finance University of Lagos, Lagos State.

Certification

Certificate in Diversity & Inclusion (culture, engagement & leadership) – HRCI

Senior professional in Human Resources (SPHRi) - Human Resources Certificate Institute (HRCI)

Associate (chartered institute of personnel management) - Chartered Inst. of Personnel Mgt Nigeria. (CIPMN)

Professional Diploma in Human Resources- Chartered Institute of Personnel Management (CIPMN)



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