Victor Moses Olufemi

Phone: 090********, 070********

Location: Ikorodu, Lagos

Email: adq096@r.postjobfree.com

OBJECTIVE:

To remain an asset in any area of my endeavor and using the wealth of my knowledge, experience, skill and personal attributes for the growth and development of any organization that requires my services. WORK

EXPERIENCE:

Credit analysts/Relationship Officer, Addosser MFB 04/2021 – till date

Responsibilities:

• Gathering information about clients

• Assessing, analysing and interpreting complicated financial information

• Undertaking risk analysis by developing statistical models

• Keeping company/Individual credit exposures within set risk bearing limits

• Completing loan application forms and submitting to loan committees for approval

• Keeping knowledge of key issues up-to-date (for example legal, market risk and compliance issues)

• Making recommendations about procedural/policy changes

• Meet with applicants to obtain information for loan applications and to answer questions about the process.

• Interviewing applicants to determine financial eligibility and feasibility of granting loans

• Evaluating credit worthiness by processing loan applications and documentation within specified limits

• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

• Review loan agreements to ensure that they are complete and accurate according to policy.

• Review and update credit and loan files.

Supervisor Credit Officer, Rehoboth MFB

01/2021 – 04/2021

Responsibilities:

• Market bank products to individuals and firms, promoting bank services that may meet customers' needs.

• Evaluating credit worthiness by processing loan applications and documentation within specified limits

• Interviewing applicants to determine financial eligibility and feasibility of granting loans

• Complete loan contracts and counsel clients on policies and restrictions.

• Submit applications to credit analysts for verification and recommendation.

• Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

• Meet with applicants to obtain information for loan applications and to answer questions about the process.

• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

Sale Affiliate, Credpal

09/2020 – 01/2021

Responsibilities:

• Meet with applicants to obtain information for loan applications and to answer questions about the process.

• Perform new customer acquisition through research, referrals, networking, cold calling, data feeds and emails.

• Build and maintain customer relationships in order to understand their needs and business priorities.

• Handle business deal tracking, monitoring, closing, and other related activities as needed.

• Provide excellent customer service to maintain existing affiliates and acquire new affiliates.

• Implement affiliate marketing activity including email campaigns, newsletters, blog, etc to increase revenue targets.

• Communicate with new and existing affiliates regarding upcoming promotions and optimization opportunities.

Relationship Manager, Jehosheba Dev-Isory Services Ltd 08/2020- 09/2020

Responsibilities:

• Evaluating credit worthiness by processing loan applications and documentation within specified limits

• Interviewing applicants to determine financial eligibility and feasibility of granting loans

• Complete loan contracts and counsel clients on policies and restrictions.

• Submit applications to credit analysts for verification and recommendation.

• Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

• Meet with applicants to obtain information for loan applications and to answer questions about the process.

• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

Retain Banking Operations, FirstBank Nigeria

06/2014 - 08/2020

Responsibilities:

• Encoding of FBN cheques

• Encoding/personalizing of MFB cheques

• Quality control

• Stitching of FBN and MFN cheques

• Dispatching of FBN and MFB cheques to the requester

• Monitoring of cheque inventory allocation for proper accuracy

• And any other work assigns to me by my supervisor Stakeholder Manager/Brand Manager, FirstBank Nigeria. 10/2013 - 06/2014

Responsibilities:

• Handling of the bank's complimentary cards vetting, production and delivery to the respective requester.

• Handling of the bank's customized tellers and co-branded cheque books designs and FA Assist in the development execution of marketing and communication plans.

• Assist in the monitoring the implementation of tactical communication plans.

• Assist in the development of excellent internal communication materials while ensuring adherence to internal brand guidelines.

• Ensure every brief received has all required information / document to enable prompt execution of the task.

• Ensure every brief coming to the department is duly assigned to the responsible unit / officer while also ensuring they are delivery / resolved within agree timeline.

• Ensure proper documentation of unit's briefs / Projects.

• Ensure proper filling and archiving of the unit's documents

• Assist in other assigned duties geared towards achieving overall goals of the units.

Loan Officer/ Recovery Officer, Mar – Bonch MFB

07/2011-10/2013

Responsibilities:

• Analyze potential loan markets and develop referral networks in order to locate prospects for loans.

• Market bank products to individuals and firms, promoting bank services that may meet customers' needs.

• Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

• Meet with applicants to obtain information for loan applications and to answer questions about the process.

• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

• Review loan agreements to ensure that they are complete and accurate according to policy.

• Review and update credit and loan files.

• Submit applications to credit analysts for verification and recommendation.

• Review and update credit and loan files.

• Follow up on major debtors accounts assigned to ensure recoveries through calls, demand notices or any other appropriate means.

• Undertake regular and frequent calls, site visits, follow-ups to implement remedial strategies and action plans agreed with Team Lead, Challenged Assets & Recovery.

• Obtain background information on all accounts assigned to the Challenged Assets & Recovery Team and especially customer information etc

• Initiate demand and reminding letters to all defaulting customers and review all credit files for proper documentation and monitoring.

• Daily call memo and progress reports on negotiations with debtors in respect of repayment of indebtedness.

• Follow up on sale of securities deposited for collateral alongside the legal department after other remedial strategies have been exhausted. Junior Accountant, Loan Officer/Recovery Officer, Elim Micro MFB 01/2009 – 06/2011

Responsibilities:

• Ensure all suppliers invoices are appropriately authorized for payment, and captured daily.

• Process employees pay in accordance with HR requirements.

• Print employees’ pay slips once payroll has been checked by Management.

• Maintain a subscription to payroll software, and update software when necessary.

• Process and capture month end journals.

• Reconcile all bank accounts on a daily basis.

• Reconcile all loan accounts on a monthly basis.

• Bank accounts reconciled monthly.

• Conduct monthly reconciliations of all accounts to ensure their accuracy.

• Ensure all Statutory returns are accurately submitted on due dates once they have been reconciled.

• Bringing of Loan Customers to the Bank.

• Follow up on loan customers.

• Recovery of loan from debtors

EDUCATION

2015 - 2017

Higher National Diploma in Accounting, Grace Polytechnic, Surulere - Lagos of Nigeria

2009 - 2011

Ordinary Nation Diploma in Accounting, Lagos State Polytechnic, Ikorodu - Lagos of Nigeria

Certificate and Training :

Professional Conduct & Ethics Certification by CIBN 2020 Diploma in Information Technology, by VGC, Computer College 01/2006 - 06/2006

ADDITIONAL SKILLS

• Accounts receivable and payable

• Funds reconciliation

• Invoice and payment processing

• Accounts payable and receivable

• Communications skill

• Funds reconciliation

• General ledger entry

• Marketing of product

• Anticipating Customer Needs

• Quality control

• Confident and Friendly Manner

• Brand Awareness

• Proficient in MS Office

• Proficient in Excel

• Proficient in PowerPoint

• IT Skills

REFERENCES References available on request

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