Summary
Overview
Work History
Education
Skills
Affiliations
 Excellent organizational skills and attention to details
reading, networking and travelling
Timeline
Generic
JOSEPH NWAGHODOH

JOSEPH NWAGHODOH

MORTGAGE BANKER
Lagos

Summary

Experienced manager with track record of effective and efficient leadership, proven strategy formulation, execution, and business transformation skills, combined with strong risk management background. Functional managerial experience obtained across core business areas of risk management, credit, planning, marketing, and relationship management. Project management competence obtained on job roles.

Overview

20
20
years of professional experience
8
8
years of post-secondary education
1
1
Language

Work History

Head of Mortgage

Imperial Homes Mortgage Bank Ltd
Lagos, Nigeria
01.2023 - Current
  • Builds market position by locating, developing, defining, negotiating, and closing business relationships
  • Conducted research into references for reliable approval outcomes.
  • Wrote professional correspondence outlining ageing account information.
  • Analysed financial statements to identify client viability and risk.
  • Locates or proposes potential business deals by contacting potential partners, discovering, and exploring opportunities
  • Aggressive marketing of bank's products to increase the bank's deposit liability and enable the team to achieve the bank's target for growth objective
  • Increased revenue by upselling and recommending products.
  • Successfully delivered on tasks within tight deadlines.
  • Delivered high-quality results within budget and timeframe targets.
  • Displayed energy and enthusiasm in fast-paced environment.
  • Issued official approval and rejection notices within allowable limits and in line with institutional risk profiles.
  • Met with applicants to collect information about personal histories, current loans and income.
  • Interviewed customers to assess current and projected financial positions.

Head Credit & Risk Management

Citycode Mortgage Bank Ltd
Lagos, Nigeria
04.2017 - 12.2022
  • Collated data to aid model development and MI production.
  • Conveyed terms and conditions to applicants to inform about loan rates, repayment requirements and potential actions in case of default
  • Translated financial jargon for complete client understanding.
  • Monitor the strict adherence to credit related regulation (single obligor limit aggregate large exposure)
  • Used expert knowledge of investment markets to create profitable financial strategies.
  • Devised risk mitigation strategies to safeguard from operational risk.
  • Contributed to end-to-end analysis of credit risk to determine viability.
  • Assessed client asset portfolios to maximise return on investment.
  • Researched financial products thoroughly to provide thorough, reliable client guidance.
  • Maintained up-to-date knowledge of legislation and policy changes.
  • Updated clients on new financial products for improved investment possibilities.
  • Generated Key Performance Indicator reporting to drive better performance.
  • Served customers to drive sales and deliver top-quality experiences.

Sales & Business development

Mortgages PHB Limited
Lagos, Nigeria
06.2008 - 06.2016
  • Grew network through research and brand promotion at business development and sales events.
  • Provided individual account support with business development managers to develop new sales.
  • Negotiated and approved lucrative prices and contracts, boosting growth.
  • Developed pricing structures based on historical and current trends, competitor activities and supply chain data.
  • Developed marketing plans to support department strategies.
  • Contacted and converted potential customers via telephone, email and in-person enquiries.
  • Customized promotional strategies to meet needs of different clients, products and services.
  • Coordinated participation in industry events to maximise networking opportunities.
  • Influenced key decision-making and established trust with stakeholders.
  • Built customer bases through cold calling and referral conversions.
  • Investigated customer queries to provide timely financial solutions.
  • Advised customers on suitable financial products to meet individualised needs and drive corporate revenue.

Business Development Manager

MIRREX GLOBAL RESOURCE LIMITED, Res Ltd
Lagos, Nigeria
02.2004 - 05.2008
  • Improve organization's market position and achieve financial growth, by driving deposit mobilization and risk asset generation
  • Prepared and delivered winning client proposals, business presentations and sales pitches to C-level executives.
  • Developed pricing structures based on historical and current trends, competitor activities and supply chain data.
  • Managed team of N8B staff, driving performance with motivational strategies to exceed sales targets.
  • Build key customer relationships, identifies business opportunities, negotiates and closes business deals
  • We are partnering with real estate construction companies to market their products, (REALTOR) Escalate customer issues to the appropriate department or manager as needed
  • Collaborate with other departments to resolve customer issues and concerns
  • Always maintain a positive and professional attitude

Education

MBA (Masters in Business Adminstration - Marketing

National Open University
Nigeria
04.2015 - 11.2017

B.Sc. (Hon) - Agric Economics

Delta State University
Nigeria
09.1993 - 10.1998

Skills

Ability to identify profitable business opportunitiesundefined

Affiliations

Member Charted Institute of Loan and Risk Management. (CILRM).

 Excellent organizational skills and attention to details

I am a manager with  Strong analytical and problem-solving skills, supervision, and leadership skills, with the ability to identify profitable business opportunities. I always maintain a positive professional attitude.

 

reading, networking and travelling

Reading for me is a habit and in no small way has widen my sense of reasoning and thinking, I have read so many books to measure a few, like The Path, accelerating your journey to financial freedom by Peter Mallouk and Tony Robbins, Buying a small business by Richards Ruback and Royce Yudkoff, Take tHE risk by Ben Carson, Start with NO by Jim Camp,The Power of Habit by Charles Duhigg, Leading The Unleadable by Alan Willett, Think smart act smart by Jim Nightingale, Goals by Brian Tracy.

I love to network and this has open me up to knowing so many high network individual it has also helped me to drive sales which have resulted and impacted to the growth of the organizations i have worked for.

I have visited so many states and communities within my country, these have exposed me in meeting with people of different backgrounds and diverse culture, this has impacted in my way of thinking and relationship with people i come across with, it is also a learning exercise for me.

Timeline

Head of Mortgage

Imperial Homes Mortgage Bank Ltd
01.2023 - Current

Head Credit & Risk Management

Citycode Mortgage Bank Ltd
04.2017 - 12.2022

MBA (Masters in Business Adminstration - Marketing

National Open University
04.2015 - 11.2017

Sales & Business development

Mortgages PHB Limited
06.2008 - 06.2016

Business Development Manager

MIRREX GLOBAL RESOURCE LIMITED, Res Ltd
02.2004 - 05.2008

B.Sc. (Hon) - Agric Economics

Delta State University
09.1993 - 10.1998
JOSEPH NWAGHODOHMORTGAGE BANKER