Internal Control/Credit Supervisor
Initiative for Rural Entrepreneurship Against Pove
2020 - Present
Delta
Carrying out daily/effective check/call over of cash transactions for DSA, cashier, cash count and vault check
carrying out effective follow up to ensure all internal audit exceptions are resolved and implementation of audit recommendations
Working with accounts department on reconciliation of payables and receivables, staff payment and payroll.
Reconciliation of pass book, collection sheet and statement in the system to ensure correctness
Spot check (filing system, cash count and customers) and security sweep
Carry out fraud investigation, when discrepancy, cash suppression or fraud is noticed and report findings to management as well as put measures in place to avoid such reoccurrence.
Review of expense GL, loan gl, daily cash book and cash advance as well as IOU to staff/vendors
Identify risk and put plans/strategy in place to mitigate them
Ensuring strict adherence to internal credit policy.
Ensuring proper/complete customer documentation, filing and KYC is carried out on all customers as well as new staff.
Evaluation, review and implementation of internal control system
Recovery and daily follow up on customers with overdue loan repayment.
Organise and coordinate weekly credit meetings as well as prepare monthly MPR report.
Carrying out Daily and monthly rendition of performance report on PAR and NPL ratio to management
Rendition of Daily and monthly report of loan officer PAR/NPL ratio and performance
Evaluation/review of credit applications- analyzing data from financial statement, credit reference agency, application form, risk assessment, calculate ratios (debt to income ratio and interest) and other sources to arrive at a fast and appropriate credit decision.
Reporting, management and monitoring of credit performance (customer repayments) and portfolio
Resolution of loan processing and repayment issues as well as analysing customer loans and accounts in compliance to regulatory standard
Review of bank charges in line with the CBN guide and prevention of income leakage
Checking of loan forms and files for completion and in line with the regulatory guide
Credit Supervisor
Pecantrust Microfinance Bank
2019 - 2020
Lagos
Reporting, management and monitoring of credit performance (customer repayments) and portfolio
Ensuring staff meet with their monthly target as well as complying with company standards and regulatory bodies
Supervising and coordination of loan processing and loan officers
Review delinquent accounts to determine which customers must be contacted for collection of overdue payment.
Resolution of loan processing and repayment issues as well as analysing customer loans and accounts in compliance to regulatory standard.
Resolution of customer complaints and making recommendation to management on refunds/recoup
Daily review of overdue position, loans and credit files
Recovery and daily follow up of customers with overdue loan repayment.
Organising and coordinating weekly credit meetings as well as prepare monthly MPR report.
Daily and monthly rendition of performance report on PAR and NPL ratio to management
Daily and monthly report of loan officer PAR ratio and performance
Ensuring strict adherence to internal credit policy.
Ensuring proper/complete customer documentation, filing and KYC is carried out on all customers
Evaluation/review of credit applications- analyzing data from financial statement, credit reference agency, application form and other sources to arrive at a fast and appropriate credit decision.
Team Member, Claims Unit(Data Analyst)-Revenue ass
Union Bank of Nigeria
2017 - 2019
Lagos, Nigeria
Review/Investigation of customers complaints/claims and making appropriate recommendations for refund/recoup of excess/undercharges.
Attending reconciliation meetings with customers at CIBN/CBN.
Reporting, data analysis, income leakage management and prevention as well as mitigation of losses
Daily follow up on loan factory on loans/OD booked as well as amendment done on loan/od accounts in the system to ensure compliance to banks policy and regulatory guidelines.
Reviewing/investigation of loans, overdraft (OD), POS transactions and credit interest as well as Effective, efficient management and resolution of disputed transactions and timely resolution of issues raised.
Reviewing and reconciliation of bank charges such as form M, PAAR and LC transactions
Developing and mapping out new risk management strategies to ensure accuracy of fees charged to mitigate losses and reduce customer complaints.
Working with IT/core banking and application developers team on resolution of system glitch observed in the system during reconciliation of accounts thereby reducing customers complaints and improving the banks products
Review of offer letters in line with the CBN guide to avoid income leakage and penalty from regulatory bodies
.
Ensure timely resolution of customers complaints and interact with customer for their continued relationship/business with the bank
Product development and analysing product performance as well as issues that may arise in line with the CBN guide.
Internal control and audit functions (confirmation of figures in line with income reversal policy as well as recoup from customer, reporting exceptions observed during audit).
Performing account, payables and receivables reconciliations, analysis, investigation and resolution of variances observed.
Achievements:
Successful review of customer complaint thereby saving the bank huge pay-out to customer as excess charge claims.
Review of POS transactions to avoid income leakage thereby saving the bank loss of funds
Successful follow up with loan booking team to ensure loans are not booked with error that may lead to customer claiming excess charges
Team Member, GL Integrity (Data Analysis/MIS)-Fina
Union Bank of Nigeria
2015 - 2017
Lagos, Nigeria
Reconciliation of GL and customers accounts (interest receivable and payables GL)
Reporting of daily and monthly financial position (deposit, Overdraft and loans)
Ensure proper monitoring of Branch GL account/position.
GL Creation, maintenance and raising entries to correct errors in GL accounts
Performing account, payables and receivables reconciliations, analyse, investigate and resolve variances.
Fraud and Internal Control functions such as use of consistency checkers (SQL) to check for transactions not in line with the banks policy or against regulatory policies as well as spot check.
Creation and maintenance of account Class, transaction codes and products (Treasury, Loans),
Account migration, MIS update and MIS creation
Data analysis and product control
Working with IT care, Core banking and application developers to fix customers complaint as well as issues arising from system glitch
Review/reconciliation of loans, term deposit, money market and overdraft
Ensure proper mapping of account to relationship managers, initiator and introducer for tracking purposes
Achievements:
Successful migration of customers account between account classes
Creation and deployment of Gl and Product to live
Zeroising of consolidated GL thereby leading to data consistency and preventing loss of banks funds
Synchronising interest payable and receivable GL with customer listing thereby saving the bank enormous provision
Reconciliation of upfront payable interest thereby mitigating income leakage and loss.
Head Teller/ATM Custodian
Union Bank of Nigeria
2014 - 2015
Lagos, Nigeria
Loading and maintenance of ATM Machines as well as reconciliation of ATM account(GLs).
Opening of Cash Vault as well as authorization/checking of cash/cheque and transfer instruction
Supervisory/ Managerial role at Ozoro Cash Point
Receiving and issuing of cash to tellers for daily transaction and balancing of cash
Receiving/ Evacuation of cash from/to Cash center and processing same
Initiator/processing of mobile banking and online Banking App to customer
Ensure customers transfer instructions are in line with customer request and final authorization of cash/funds Transfer Transaction.
Ensure customer details are well captured for BVN as well as authorization of customers BVN
Ensuring all cash records are balanced on a daily basis
Processing of utility bills (DSTV,PHCN, TAX, among others)
Daily check of cashiers opening and closing balance as well as Daily call over of tellers(cashiers) postings/transactions and Monitoring cash level to ensure cash(vault) limit is not exceeded.
Funds Transfer Officer (FTO)/ATM Custodian Key Re
Union Bank of Nigeria
2014 - 2014
Delta, Nigeria
Intra and Inter Bank transfer of funds (ensure customer funds transfer request and cheque are processed within TAT)
Processing of remittance transactions (DSTV, PHCN, TAX, among others)
Maintain proper records of funds transfer transactions as well proper review of customer instructions before processing to mitigate fraud incidence
Process customers funds transfer request (RTGS/NEFT, account to Account transfers) as well as managers cheques
Process customers term deposit request, salary payment and cheques (inward and outward clearing cheques), Loading and maintenance of ATM Machines.
Supervisory/Managerial role at Ozoro Cash Point
Commercial Banking Officer (CBO)-Marketing
Union Bank of Nigeria
2013 - 2014
Delta, Nigeria
Marketing, processing and monitoring of loans (credit) and mobilization of deposit (on boarding of new customers)
Retained existing customers as well as Selling and cross selling of the banks products
Promoting and maintaining a positive company image and working to resolve customer complaints quickly and efficiently.
Responsible for managing the Cash Point at Ozoro polytechnic, Delta State (supervision of Bank tellers (3) and general operations)
Follow up and selling of the banks product to both new and existing customers
Loading/offloading of ATM Machine as well as maintenance.
Relief Customer Service Officer (issuing of ATM cards to customers, PIN and treating of ATM dispense Error)
Analyse customers financial requirement and match same with the banks products.
Processing and selling of Pos, internet and mobile banking
Listening to customer complaint/concerns and working to resolve them while ensuring customers satisfaction
Process customers request, filing documents as well as KYC.
Identify areas of improvement as well as business, understand customer needs and plans to address them.
Inventory/Admin Manager
Princevera Computer Service
2013 - 2013
Delta, Nigeria
Organization and planning of the day to day activities of the company (decision making and policy formulation)
Inspect and test goods/Parts supplied by supplier
Recruitment, motivation, placement, training, development, public relations and staff welfare.
Control of Inventory level by conducting physical counts and reconciling same with data on the system
Preparing purchase order, receiving, storing and issuing of goods
Managing, Arranging and monitoring of goods and stock levels as well as supplies
Checking supply invoice with purchase order and inputting data in the system
Confirm periodic stock on regular basis as well as reconciliation of items supplied, issued and what is in the store in relation to system data
Checking/confirmation of goods supplied in line with the companys order.
Reconciliation of inventory with receipt/issuance and store
Monthly inventory report to management
Installation and maintenance of computer systems
Warehouse/Inventory Officer
Fantazia Fast Food
2011 - 2012
Delta, Nigeria
Control of Inventory level by conducting physical counts and reconciling same with data on the system
Preparing purchase order, receiving, storing and issuing of goods to different outlets
Managing, Arranging and monitoring of goods and stock levels as well as supplies (Sorting of goods and storing same in assigned position for proper accountability)
Confirm periodic stock on regular basis as well as reconciliation of items supplied, issued and what is in the store in relation to system data and continuous improvement to the business (Kaizen)
Checking/confirmation of goods supplied in line with the companys order.
Maintaining and keeping of receipts as well as issuing of GON and GIN to both outlets (shops and Audit dept) and suppliers
Creating and maintaining a safe work environment(Anzen) thorough cleaning of cold rooms and warehouses monthly.
Allocation of storage space for food items both in the cold room and main warehouse based on types and expiry date.
Ensuring proper documentation of materials/goods given to operations/outlets
Identify unused stock and report to management as well as taking part in procurement of activities
Checking of cold room temperature to ensure it is working well and powered as well as arrangement of frozen items.
Following up with suppliers for supply of goods to maintain stock level as well as Maintaining bin card for all products (stock)
Ameerah Agoro
Oluwayemisi Oladele 
Daniel Nwogbo
SAMUEL EZEKIEL OKWOCHE
Global Services
Ardova PlC
