O L U T O B A J A M E S

404-***-****

ad2krb@r.postjobfree.com

**** ******* *** *** ***,

Lewisville,

Lewisville, TX 75077 United States

PROFESSIONAL SUMMARY

Hardworking and focused on completing work quickly to consistently exceed targets. Reliable team member accustomed to taking on challenging tasks. Dedicated to business success.

Organized and bringing strengths in handling work independently and solving routine problems without oversight.

Detail-oriented, analytical professional determines risk posed by applicants seeking new loans and credit lines. Thoroughly reviews financial statements and credit histories to make most accurate decisions. History of protecting institution with sound judgment and solid data. SKILLS

Underwriting support Document analysis Regulatory compliance Loan application management

Loan product promotion Analyze financial

histories

Manage complaints Serve customer needs

Verify agreements Loan portfolio growth Organization Problem-solving Calculate payments Relationship building Credit Report analysis Understand DTI & Qualifying income

Understanding Red-flag Full Knowledge of Fannie Mae & Freddie Marc Loan Eligibility Programmes.

EXPERIENCE

KYC Analyst, First Bank Of Nigeria, Apr 2015 - Mar 2017 Liaised with branch managers to receive feedback on customer satisfaction and provide guidance on achieving KYC objectives.

Researched and validated contract performance data and basic client prole information to achieve total database content accuracy.

Kept comprehensive logs tracking compliance documents and tasks to contribute to achieve conformity with company policies and client expectations. Monitored media reports to evaluate company publicity quality, report on media presence to managers and executives and recommend approaches to improving public image. Implemented database and document processing compliance with applicable regulations and company policies targeted towards prevention of money laundering and unethical practices. Assessed customer credit les regularly to review receivables. Presented key information to upper management and the executive team for loan OJ OJ

recommendations.

Monitored and maintained compliance with internal controls and government regulations. Requested nancial documents from customers.

Collaborated with credit association and business representatives to exchange valid credit information.

A ended company meetings with executives, shareholders and managers to provide input on prospective clients and suppliers, advising on contract compatibility with company objectives. Assessed the records of each customer and recommended the appropriate payment plans based on their earnings, payment histories and purchase activities. Exchanged applicant credit information by conferring with their other financial institutions and the applicable credit associations.

Generated financial ratios with [Software] to evaluate the financial status of each customer. Consulted with customers to resolve complaints and verify financial and credit transactions. Reported the degree of risk involved in approving loans and credit applications to individual customers.

Conferred with credit association and other business representatives to exchange credit information.

Reviewed individual or commercial customer files to identify and select delinquent accounts for collection.

Identified delinquent accounts and initiated collection processes to obtain their overdue funds.

Evaluated financial information for the loan products to evaluate their growth potential and market share and determine their expected profitability. Resolved customer complaints and collected missing information by consulting with customers.

Completed loan applications with the full credit analyses and summaries of loan requests and submitted to loan review committees for approval.

Prepared reports including degree of risk involved in extending credit or lending money. Followed established guidelines and procedures.

Kept work area organized and clutter-free.

Managed daily tasks consistently and sought out opportunities to go beyond requirements and support business targets.

Loan Processor, First Bank Of Nigeria, Aug 2013 - Mar 2015 Lagos Secured monthly approvals from management for problematic small business and commercial loans.

Discussed loan needs and nancial histories with clients and conveyed information regarding application processes.

Obtained repeat business by building strong customer relations and delivering world-class customer service.

Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.

Reviewed and veried borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting. Checked approvals against established bank and government lending standards. Maintained complete condentiality of all submi ed information according to release guidelines. Followed up with appropriate stakeholders for guaranty approval, charge off and maturity extension.

Filed completed packages quickly and efficiently.

Created and completed loan submission packages.

Evaluated nancial statements and contacted institutions and customers to clarify details. Helped clients identify their financial goals and identify strategies for achieving each target. Compiled the complete credit and financial statements for each applicant as part of the application processes.

Stayed current on the loan market, available products and strategies for bringing in new customers.

Carefully reviewed account and credit records to determine the risk level associated with each applicant.

Complied with company quality standards and applicable regulations governing financing. Resolved customer complaints through research and investigation. Counseled prospects on available finance options matching current needs. Gained knowledge of products and programs offered to educate clients about various product solutions.

Assisted clients through loan application process cycle through closing. Met with clients to complete application documentation, answer their questions and resolve any concerns or complaints.

Calculated the customer's initial payment plans and repayment schedules for delinquent customers to bring loans current.

Determined approval status of loan applications based on applicants' qualifications. Worked within approval limits to move loans forward and conferred with managers to handle the larger and more complex applications.

Took applications and collected income and asset documentation to enable underwriting and prompt loan decisions.

Monitored pipeline by communicating with underwriters and processors. Data Analyst, Lagos, First Bank Of Nigeria, Jun 2011 - Jul 2013 Improved reliability of supply chain software, systems, database and order processing. Developed, updated and optimized business intelligence resources. Formulated, dened and documented system specications. Reviewed and updated account information in company computer system. Analyzed and tracked data to prepare forecasts and identify trends. Organized subsystems to execute proper collection of data Made actionable recommendations based on data trends.

May 2009 - Mar 2014

Assessed data and issues and directed concerns to business unit leadership when appropriate.

Directed eld studies and data collection to support sophisticated analysis. Identied new products and sources based upon consumer behavior and marketing results. Dened naming standards for data warehouse to maintain consistent operations. Gathered and organized data to analyze current industry trends. Maintained security and data integrity of databases. EDUCATION

MBA, Public Administration

Ladoke Akintola University Of Technology - OYO, Nigeria Associate of Arts, Public Relations

Nigeran Institute of Public Relations - Lagos, Nigeria Bachelor of Arts, Masscommunication

Moshood Abiola Polytechnic - Ogun, Nigeria

Mortgage Loan Underwriter Jan. 2021(in progress), Mortgage Loan National Association Of Mortgage Uderwriters - Hollywood, Florida

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