David Ephraim Mathias
Banking
Kano,Kano
Summary
A Certified Management Consultant (CMC) with exceptional skills in Credit Analysis, Trade Business, Business and Commercial Banking, Excellent service delivery and Information Technology. I am Passionate about learning, Africa, writing and speaking. I have stood out in every organization I have worked in by being the best in what I do.
Overview
16
16
years of professional experience
Work History
Team Lead; Business Banking
TAJBank Limited
04.2024 - Current
- Partnership (Mudharabah) Term Deposit
- Non - Interest Bond (Sukuk)
- Agency (Wakalah) Finance
- Zakat & Waqf
- Cost Plus (Murabahah) Working Capital
- Cost Plus (Murabahah) Import Finance
- Construction / Manufacturing (Istisna) Finance
- Bonds & Guarantees (Kafalah)
- Agency (Wakalah) Letter of Credit
- Partnership (Musharakah)
- Lease (Ijara) Finance
- Partnership (Mudarabah) Savings Account
- Current (Qard) Account
- Cost Plus (Murabahah) Auto Finance
- Cost Plus (Murabahah) SME Finance
Relationship Manager; Commercial and Retail Banking
Fidelity Bank Plc
03.2019 - Current
- To acquire, manage and grow additional collections, deposits and fees from commercial customers
- Interviewing, analysing and evaluating potential borrowers with emphasis on risks (business, financial, market, etc.) and particular focus on repayment risk: preparation and completion of credit appraisal form and recommendations to Branch Credit Committee
- Proactive monitoring and maintenance of the relationship especially with borrowers
- To grow additional collections, low cost and fees from credit customers
- Processing of imports (Form Ms), Letters of Credit, Bills for Collection and exports (NXPs)
SME Loan Officer
First City Monument Bank (FCMB)
09.2015 - 03.2019
- To grow additional collections, low cost and fees from credit customers
- Interviewing, analysing and evaluating potential borrowers with emphasis on risks (business, financial, market, etc.) and particular focus on repayment risk: preparation and completion of credit appraisal form and recommendations to Branch Credit Committee
- Proactive monitoring and maintenance of the relationship especially with borrowers
- To grow additional collections, low cost and fees from credit customers
- Processing of Form Ms, Letters of Credit, Bills for Collection and NXPs
Relationship Officer, Commercial Banking
First City Monument Bank (FCMB)
05.2014 - 08.2015
- Acquire and effectively manage Business Banking and Commercial accounts
- Preparation of APGS/Guarantee lines for Contractors and site/project inspection
- Corporate marketing and Credit analysis
- Processing of Letters of Credit and Documentary Import Finance Facility
- Processing of FORM M, NXP and writing reports
Sales Executive, e-Channels
Ecobank Nig. Ltd
04.2012 - 05.2014
- Leverage on existing Ecobank customers, branches and agents to market cards and e- banking products
- Leverage on the use of e-banking products to acquire new customers for the bank
- Ensure the cross selling of e-banking products to deepen existing relationship and decongest the banking hall
- Provides lead on key business with value chain potentials for the unit
- Acquire and manage agents to drive mobile money and banking for the bank
- Growing the Customers' base of Ecobank Mobile in 5 branches of Kano State, 2 branches in Nasarawa State and the 4 branches of Jos, Plateau State
- Training staffs and Agents on Ecobank Mobile, Cashless Policy and Agency banking
- Provide support in the evaluation and execution of key projects (MDGs, YCAD, GEMS, etc.)
- Coordinating MDGs-CCCT disbursements in Plateau, Bauchi and Adamawa states
Administrative Officer
Niger State Ministry of Sports
01.2010 - 12.2010
- Filing, minute of files, dispatching of files and assisted in conducting promotion exercise
Administrative Officer
Moham Ventures Nig. Ltd
01.2009 - 12.2009
- Supervision of workers at building site, writing and dispatching letters to tenants, filing and interface with the Ministry of Education
Education
Professional Certificate in Islamic Banking and Finance (PCIBF) - undefined
International Institute of Islamic Banking and Finance
Doctorate in Management Studies - undefined
Indian Institute of Business Management & Studies
IndiaOTHM Level 7 Diploma in Project Management - undefined
Pristine School of Management
Doctorate in Public Administration - undefined
London Bridge Business School (LBBS)
Export Management Programme - EMP - undefined
Lagos Business School
Certificate in Trade Finance - undefined
ACCPA Certification
Masters in International Studies and Diplomacy - undefined
Bayero University Kano
KanoMasters in Public Policy and Administration - MPPA - undefined
Bayero University Kano
KanoExecutive Masters in Business Administration - MBA - undefined
Metropolitan School of Business and Management
LondonPost Graduate Diploma in Public Policy and Administration - undefined
Bayero University Kano
KanoCertificate in Optimising Relationships with Small Business Clients - undefined
Moody's Analytics
Skills
Resource Allocation
Production monitoring
Employee Evaluation
Key performance indicators
Performance improvement
Quality control
Account management
Sales expertise
Client Service
Daily workflow improvement
Problem-Solving
Excellent Communication
Teamwork and Collaboration
Planning and Coordination
Organization and Time Management
Self-Motivated
Multitasking Abilities
Analytical and Critical Thinking
Training and Development
Local Government
Lere
Personal Information
- Place of Birth: Kaduna
- Date of Birth: 03/22/87
- Nationality: Nigerian
- Marital Status: Single
Timeline
Team Lead; Business Banking
TAJBank Limited
04.2024 - Current
Relationship Manager; Commercial and Retail Banking
Fidelity Bank Plc
03.2019 - Current
SME Loan Officer
First City Monument Bank (FCMB)
09.2015 - 03.2019
Relationship Officer, Commercial Banking
First City Monument Bank (FCMB)
05.2014 - 08.2015
Sales Executive, e-Channels
Ecobank Nig. Ltd
04.2012 - 05.2014
Administrative Officer
Niger State Ministry of Sports
01.2010 - 12.2010
Administrative Officer
Moham Ventures Nig. Ltd
01.2009 - 12.2009
Professional Certificate in Islamic Banking and Finance (PCIBF) - undefined
International Institute of Islamic Banking and Finance
Doctorate in Management Studies - undefined
Indian Institute of Business Management & Studies
OTHM Level 7 Diploma in Project Management - undefined
Pristine School of Management
Doctorate in Public Administration - undefined
London Bridge Business School (LBBS)
Export Management Programme - EMP - undefined
Lagos Business School
Certificate in Trade Finance - undefined
ACCPA Certification
Masters in International Studies and Diplomacy - undefined
Bayero University Kano
Masters in Public Policy and Administration - MPPA - undefined
Bayero University Kano
Executive Masters in Business Administration - MBA - undefined
Metropolitan School of Business and Management
Post Graduate Diploma in Public Policy and Administration - undefined
Bayero University Kano
Certificate in Optimising Relationships with Small Business Clients - undefined
Moody's Analytics