Joy Ezeofor

• Used Consumer Loan applications such as Loan IQ, Silverblade and First Central Credit bureau to perform credit appraisals, document verification and loan approvals.
• Performing consumer loan spool daily to determine the number of outstanding loan requests.
• In charge of approving and disapproving Loans under schemes, RRAS (Retail loan disbursement and approval sheet).
• Disbursement of loans manually (because of change in tenor, interest and repayment terms) and off system.
• Approval and disbursement of cashed back loans
• Updating and monitoring of interest rate change and ensuring interest rate change are effective as at when updated.
• Sending out mails to Relationship managers for upward review of interest rate.
• Making sure documents are in place and reaching out to Relationship managers for outstanding documents.
• Kept records of customers' charges and payments.
• Updated client accounts with new information and verified data for informed credit approvals.
• Worked with Relationship managers to define and implement terms for approved credit requests.
• Ensuring loans that exceed our credit limits will have the General managing director and two executive directors' signature.
• Recommended approval or disapproval of personal loan, loans under schemes and asset acquisition.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Reviewed and verified income, credit reports and employment histories for each borrower.
• Organized and finalized loan applications for underwriter review.
• Adhered to banking standards and government lending guidelines for loan services.
• Obtained and interpreted financial statements to assist in credit limit reviews..
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
• Referred delinquent accounts to collections department or outside resources.
• Prepared reports of findings and recommendations.
• Contacted Relationship managers about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
• Attended ongoing professional training to facilitate accurate and productive credit management.
• Verified application and account details to accurately asses credit and financial risks of potential clients.
• Ensuring Lost loans are cleared before a credit applicant loan is processed.
• Monitored accounts for signs of fraud and non-payment issues.
• Managed account data and verified information with clients, past creditors and other involved parties.
• Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Worked with Relationship managers to define and implement terms for approved credit requests.

• Handled Data collection for onward processing and analysis

• Entered Collected data accurately into Microsoft Office Excel Spreadsheet

• Ensured entered Data were accurate and backups were efficiently put in place.

•Worked as a student Volunteer with Confidence Consult, University of Nigeria, Nsukka

•Learnt how to keep financial record.

•Acquired Knowledge of financial consultancy

• Acquired knowledge on how to disburse funds to authorized signatories upon request for finance.

• Trained on record keeping to be succinct and up to standard with 100% Transparency and Accountability.