Christopher Mba
Credit Risk Manager
Kubwa-Bwari,FC
Summary
Hardworking professional well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment, good verbal and written communication strengths.
Overview
20
20
years of professional experience
Work History
Credit Risk Analyst and Monitoring Officer
Access Bank Plc
05.2010 - 06.2023
- Analyzed applicants' financial and credit status to determine the feasibility of loan disbursement.
- Monitored disbursed credit facilities at random to promptly identify and resolve issues that could result in default.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service and sales departments.
- Periodically obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for proposed new facilities.
- Ensured that the volume of total non performing loans was always within the acceptable threshold.
Customer Services Manager
Diamond Bank Plc
08.2005 - 04.2010
- Administered all branch operations activities to ensure delivery of quality service at all times.
- Maintained good customer-bank relationship by handling complaints professionally.
- Prepared and balanced monthly reports of specific general ledger (GL) accounts.
- Created and reviewed invoices to confirm accuracy.
- Supervised employees and assessed performances to determine training needs and define accurate plans for decreasing process lags.
- Assumed ownership over team productivity and managed work flow to meet or exceed quality service goals.
- Reviewed repeated issues/processes within operations to provide creative solutions to customers' business problems and improve the organization's overall profitability.
Cash and Teller Services Supervisor
Diamond Bank Plc
01.2007 - 07.2008
- Supervised Teller Service Representatives.
- Authorized all cash, funds transfer and customer service transactions.
- Created employee scheduling to support daily work load.
- Provided coaching and skill development to employees on consistent basis.
- Oversaw daily cash and vault operations by verifying deposits and engaging in the routine opening and closing of branch vault.
Funds Transfer Service Representative
Diamond Bank Plc
10.2006 - 12.2006
- Provided domestic and international funds transfer services.
- Processed all expenses incurred by the branch.
- Processed customers' long term investment requests.
- Effected inter banks transfers and processed other bank's instruments for payment.
- Balanced and reconciled specific General Ledger (GL) accounts, revenue and expenditure accounts, suspense accounts, and inter-branch settlement accounts.
Customer Service Officer
Diamond Bank Plc
02.2006 - 09.2006
- Involved in building and managing customer relationships.
- Assisted in resolving customers' complaints and creating solutions to identified business problems.
- Ensured proper documentation, opening and filing of customers' accounts.
- Prepared and delivered accounts' statements to customers upon request.
- Created awareness on bank's products, online banking and training of customers and staff on product requirements.
- Provided support to sales representatives.
Teller Service Representative
Diamond Bank Plc
02.2005 - 01.2006
- Received cash deposits and made cash payments to customers.
- Handled customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Served as primary point of contact for customers, providing assistance with account maintenance and other transactions.
- Maintained in-depth knowledge of bank products and services to provide appropriate recommendations/guide to customers.
Support Cashier
Sokoto State Ministry of Water Resources
02.2003 - 03.2004
- Assisted the revenue cashier in bills preparation during the NYSC primary assignment.
Education
Bachelor of Technology - Food Science And Technology
Federal University of Technology
Owerri, Nigeria11.2022
West African School Certificate (WAEC) -
Holy Ghost College
Owerri, Nigeria06.1996
First School Leaving Certificate -
University Staff School, Fed. Uni. of Technology
Owerri, Nigeria05.1989
Skills
- Credits Understanding
- Financial Documentation
- Credit Application Review
- Financial Data Analyzation
- Financial Reports Analysis
- Correspondence Writing
- Collateral Risk Management
- Property Evaluation
- Loan Documentation
- Credit Validations
- Loan Recommendations
- Financial Statement Review
- Compliance Assessments
- Delinquency Monitoring
- Serve Customers
- Report Findings
- Customer Evaluation
- Operational Efficiency
Additional Information
- Member, Risk Management Association of Nigeria (RIMAN).
- ICAN in view.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Quote
It is better to fail in originality than to succeed in imitation.
Herman Melville
Timeline
Credit Risk Analyst and Monitoring Officer
Access Bank Plc
05.2010 - 06.2023
Cash and Teller Services Supervisor
Diamond Bank Plc
01.2007 - 07.2008
Funds Transfer Service Representative
Diamond Bank Plc
10.2006 - 12.2006
Customer Service Officer
Diamond Bank Plc
02.2006 - 09.2006
Customer Services Manager
Diamond Bank Plc
08.2005 - 04.2010
Teller Service Representative
Diamond Bank Plc
02.2005 - 01.2006
Support Cashier
Sokoto State Ministry of Water Resources
02.2003 - 03.2004
Bachelor of Technology - Food Science And Technology
Federal University of Technology
West African School Certificate (WAEC) -
Holy Ghost College
First School Leaving Certificate -
University Staff School, Fed. Uni. of Technology
Similar Profiles
Uchenna OparaUchenna Opara
Client Service Manager at Access Bank Plc/Diamond BankClient Service Manager at Access Bank Plc/Diamond Bank
Kelvin AmanorKelvin Amanor
Customer Experience Specialist at Access Bank Plc - GhanaCustomer Experience Specialist at Access Bank Plc - Ghana
Augusta AziegbeAugusta Aziegbe
Executive trainee at Access Bank PlcExecutive trainee at Access Bank Plc