Abigail Uduje

• Perform first level review and evaluation on all loan request, to ensure all recommendations are made in line with the bank’s risk acceptance.
• Analyzed financial statements for accurate assessment of customer creditworthiness, mitigating risk exposure.
• Implemented robust monitoring systems to proactively identify high-risk accounts, enabling targeted collection efforts.
• Ensure Single Obligor limit regulatory compliance.
• Confirms that all retail credit request presented by the business offices have all required data completed and supporting documents are attached for scrutiny and informed lending decision.
• Conducting detailed collateral analysis, paying due attention to collateral acceptability, legality of the collateral documents, collateral coverage and ease of realization in the event of default.
• Approving and rejecting loans based on available data.
• Timely response on enquiries and mails to ensure all requests are handled within the approved turnaround time.
• Maintaining records of company’s loans
• Monitoring loan repayments and bad debts.
• . Create and complete a Credit Appraisal Memorandum (CAM) with little to no error.

• Evaluate credit and investment risks of loans, guarantees and investment activities.
• Identify, measure, and mitigate the risk of new transactions and make recommendations
• Recommend loan amount based on customer DTI.
• Create investment and transaction mandate for collections.
• Monitor and follow up repayment due on daily and weekly basis.
• Advice the Management of the appropriate loan amount based on financial analysis done .
• Perform credit check on potential customer to ascertain applicant credibility and character

Analyzed customer risk and monthly bank statement.

Authorization of loan approval or decline.

Calculate repayment, duration and amount for customers.

Reviews customer’s credit history to ascertain a clean credit history and other financial obligations.

Calculate customers DTI – debt to income ratios using income statements. Look for ways to improve internal process to meet the need of customer.