Andrew Adjarhore

Calgary AB T*M *Z* 403-***-**** ad3j36@r.postjobfree.com

PERSONAL SUMMARY

Dynamic and accomplished professional, a self-starter who is result-oriented, highly motivated, possessing excellent communication, attention to detail, presentation and negotiation skills

14 years of diverse experience in retail and commercial banking

Throughout my career, I have honed the skills necessary to make effective and reliable business decisions. My expertise lies in navigating the intricacies of financial landscapes and fostering innovation within collaborative team environments

Forward-thinking team player with an unwavering commitment to integrity, thriving in dynamic settings where creativity and collaboration are valued

Deep understanding of the banking industry and ability to approach challenges with innovative solutions

Commitment to maintaining the highest ethical standards underscores my dedication to fostering trust within the teams I work with and among the clientele I serve

CORE COMPETENCIES

Relationship and portfolio management marketing and sales risk management

Credit origination, structuring, analysis & documentation, and execution financial analysis

Proficiency in Microsoft Office (Word, PowerPoint, and Excel programs)

Excellent interpersonal & team bonding skills negotiation, sales, presentation & pitching

Customer service management stakeholder management effective and timely reporting

KEY ACHIEVEMENTS

Cumulatively negotiated recovery of over 3 Million Dollars in Naira, completed and final settlements, and restructured several bank credit facilities for various customers

Consistently met and exceeded customer acquisition and retention targets in a robustly competitive but declining market by 120 percent

Initiated innovative financial product marketing services to increase the bank’s competitiveness in the marketplace, which advanced deposit mobilization, growing my deposits from N2.1 billion to 4.5 billion in 12 months

Created healthy risk assets via product paper and bespoke

Active pioneer team member who made the highest income bank-wide in the second quarter of 2021

Extensively supported a wide range of business sales teams (retail team) through value chain management while creating productive, warm, and cordially responsive relationships with internal customers (staff members in risk, operations, treasury, legal, compliance, executive management, etc.), clients, and other stakeholders.

Maintained a balance sheet size of 6 billion Naira ($ 7 million)

CAREER HISTORY

JJ Owen Ltd 2021 – Dec 2023

Business Development Manager

Manager of an In-house team responsible for developing web and mobile applications for clients.

KEY ACHIEVEMENTS:

Created a visible presence through various face-to-face and online presentations to various stakeholders

Developed and maintained a strong brand presence through effective marketing and promotional activities

Conducted comprehensive market research to identify trends, competitor activities and potential business

Procurement and vendor management for various marketing campaigns and activities

Collaborated with the in-house development team to create compelling and customized proposals in response to clients' requirements

Set and achieved over 90% of our revenue target through successful client acquisition, upselling, and fostering long-term client relationships

Zenith Bank Plc 2012 - 2021

Relationship Manager – Retail / Commercial Banking

Relationship Management covering the Oil and Gas sector, Construction Sector, and Trade, with a portfolio of over 6 billion Naira ($7 million) liabilities (LCY and FCY), and Risk asset portfolio covering the following areas:

Working Capital and Bridge Financing

Trade and Commodity Finance

Project Financing Short & Medium-Term Loans

Letters of Credit

Structured Finance

Advance payment Guarantee/ Bond Guarantees. Receivables Purchasing and Discounting Facilities

KEY ACHIEVEMENTS:

Consistently met and exceeded customer acquisition and retention targets in a robustly competitive but declining market by 120 percent and increased the branch’s collection portfolio by over 65 percent

Initiated and converted 45% of the team’s new prospects

Migrated over 70% of the customers in my portfolio into the bank’s digital/online platform

Cumulatively negotiated recovery of the equivalent of over $5 Million in Naira, full and final settlements, and restructured several bank credit facilities for various customers

RESPONSIBILITIES:

Excellent customer relationship management via regular portfolio reviews and equity research recommendations to maximize the portfolio being managed.

Deposit mobilization through cross-selling and Value chain management of the bank’s products.

Initiate quality risk asset, transactions monitoring, and implementation of facility and compliance terms and conditions.

Recovery Management: Developing and implementing a recovery strategy. Effective allocation of accounts for debt collection, reviewing debt collection performance both internal and external, and making necessary recommendations. Report rendition, clearly indicating performance and delinquency levels. Working with other players in the market with a view to enforcing recoveries from customers with default.

Analyzed and Managed Risk Assets to maximize profit and identification of red flags.

Utilized varied account management models (Credit Risk Management, Moody Rating Model (Internal software) in assessing Credit requests

Producing high-quality presentations and reports to support the Department’s strategy

Zenith Bank Plc 2008 - 2012

Business Development Officer - Personal Banking /SME Banking

KEY ACHIEVEMENTS:

Grew my balance sheet size from Zero to N400 Million within 6 months

Awarded Top Branch member after only 6 months of employment

Successfully won and managed the Naval Base account, including the individual accounts of Senior Naval staff

CANADIAN EQUIVALENCY EDUCATION AND CERTIFICATION

Masters Degree Industrial & Labour Relations - Delta State University 2016

Bachelor of Law (Honours), University of Benin 2007

Post Graduate Diploma, Call to the Bar, Council of Legal Education 2007

INTERNAL COURSES/PROFESSIONAL DEVELOPMENT

Credit documentation Relationship Management Negotiation skills and strategic training programs

Retail and commercial banking programs Financial Banking lending fundamentals programs

Detecting and Reporting Money Laundering Money Laundering & Terrorist Financing Red flags

Banking ethics Conduct risk Professional conduct and ethics Brand Portfolio Management

Excellent Customer Service delivery Relationship Management and account monitoring intervention

Best selling and CRM Basic Accounting and Financial Analysis

INTERESTS

Swimming Movie Watching Animations Listening to Music Technology Innovation News Meeting People

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