Lydia Yobana
Finance Consultant/Customer Success
Abuja,FCT
Summary
PERSONAL STATEMENT To be part of a growing and dynamic institution, where I can contribute my modest skills towards significantly affecting the organization positively, while further sharpening my skills. PROFILE An award winning, highly accomplished and experienced Manager, with consistent track record of performance on exceeding group targets, positively impacting on corporate objective and goals. Combining a string of products to delight customers, sustain loyalty and patronage. Passionate on using systematic plan strategies, towards managing diverse portfolio of products. Exceptional on motivating diverse teams for enhanced productivity and Group/Corporate goals achievement.
Overview
30
30
years of professional experience
10
10
years of post-secondary education
Work History
Director, Strategy/Business Growth
Karosel Nigeria Limited
Abuja
12.2010 - Current
- Oversaw operations and provided corrective feedback to achieve daily and long-term goals.
- Worked closely with organizational leadership and board of directors to guide operational strategy.
- Managed daily operations while overseeing multiple locations to foster increased productivity.
- Monitored office workflow and administrative processes to keep operations running smoothly.
Zonal Head
FIRST CITY MONUMENT BANK PLC
04.2010 - 11.2010
- Managing five (5) Branches in Port Harcourt City for enhanced integration, closer customer engagement and market penetration.
Area Manager
Port
Harcourt
11.2009 - 03.2010
- Supervision of four (4) Branches in Port Harcourt to drive Profitability
Branch Manager
12.2008 - 11.2009
- Maintenance of existing Customer relationships and identification/establishment of new ones
- Driving deposit liability growth in the Branch
- Identification of Customer account needs/buyer values and the proactive provision of product/services to meet them
- Supervision of the appraisal/review of customer facility applications
- Management of credit portfolios of assigned market team(s) and the structuring of credit facilities to address customer’s needs
- Constant review of customer segment marketing strategies/goals to make recommendations to management as appropriate
- Overseeing the maintenance of comprehensive database information on all existing customer relationships
- Monitor and ensure customers' compliance with credit agreements
- Present to and defend proposals before the Credit Committee
- Provision of on-the job training for Profit Centre Managers and Relationship Officers
- Monitor the Branch Performance against monthly/quarterly/annual plans
- Preparation of Monthly Profitability Report (MPR) to the Group
- Appraisal of Direct reports
Branch Manager
INTERCONTINENTAL BANK PLC
Port Harcourt
07.2008 - 12.2008
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Maintained friendly and professional customer interactions.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
Relationship Manager
01.2007 - 07.2008
- Managing key National Corporates with Portfolio volume of over N5Billion
- Managing and financing Distributors of Key Cement and Brewery Companies
- Arranging of Loan syndication for financing of high volume Foreign currency deals
- Managing of two Commercial Banking teams and National Conglomerate comprising of 13 Staff.
Relationship Manager
National Conglomerate
02.2006 - 01.2007
- Started Business Unit from Zero level, making profit from the first month
- Grew start-up balance sheet size to over N2Bilion in six months
- Source for deposits to fund asset portfolio, for cost effectiveness and profitability
- Ensuring to maintain desired loan to deposit ratio of a maximum of 70:30 as per corporate policy in order not to exceed lending limits and maintain necessary liquidity
- Establishing of LC for Import finance transactions, advising customers on regulatory requirement in line with CBN policies
- Arrange foreign currency financing through US Exim Bank/Afriexim for customers as may be desired for their business growth and expansion
- Arranging refinancing of long term Assets to Blue chip companies by way of Commercial paper (CP) for improve liquidity and profitability.
Relationship Manager
Oil Services & Exploration
07.2004 - 02.2006
- Arranged various funding facilities for key customers towards execution of contracts for oil majors
- Arranged Equipment leasing facilities for procurement of rigs, tug boats, house boats for key local players in the Oil and gas sector towards efficient execution of oil contracts and enhancing company growth
- Intermediation in loan syndication arrangements for volume funding of business projects
- Sourcing of volume businesses in local and foreign currency
- Managing of business relationships effectively towards garnering brand loyalty and repeat business
- Alco monitoring and development, Monthly Performance Reporting and appraisals
- Providing financial advisory services to customers, giving them broad spectrum choices in growing business volumes and profitability
- Managing domiciliary accounts, Letters of credit and general import financing services towards relationship management
- Cross-selling on relationships towards providing a one-stop financial delivery basket to customers
- Managed an average of ten (10) employees in a team towards enhanced group performance and achievement.
Relationship Officer
Oil
01.2003 - 06.2004
- Sourcing of Risk Asset businesses for the Sector
- Processing of Credit review summary for facilities, appraising and presentation to Credit committee, disbursement and Management of credits
- Sourcing of new liability businesses from the Oil and gas sector and other ancillary businesses
- Timely report rendition, monitoring of Cabal growth and marketing.
Head
Intercontinental
01.2002 - 01.2003
- Performed store opening, closing, and shift-change actions and kept accurate shift-change logs.
- Assisted customers by answering questions and fulfilling requests.
- Trained, mentored, and developed new cashiers with positive and encouraging techniques to maximize performance and team contributions.
- Worked extra shifts during busy periods and covered for call-in employees to maintain service levels.
SAVANNAH BANK NIGERIA PLC
01.1994 - 01.1999
- Cash operations, Funds transfer, General ledger bookkeeping and balancing, Treasury management, Credit Administration, Auditing and control functions, Personnel Administration functions
Education
Master of Business Administration (MBA) - Business Management
Enugu State University of Technology
Bachelor's of Science (BSC) Hons Degree - Banking and Finance
RSUST
01.1992 - 04.1997
General Certificate of Education (GCE - undefined
West African Schools Certificate (WASC - undefined
Birabi Memorial Grammar School
01.1979 - 04.1983
Diploma - Ministry
DUNAMIS School of Ministry (DUSOM), ABUJA
PROJECTS /WORKS Nigerian Stock - undefined
Senior Management Training Programme, Team Building Africa, Lagos - undefined
Retail Lending Fundamentals Course, Omega Performance, London - undefined
International Trade Finance Course - undefined
Moody's Risk Analysis Software Training - undefined
Advance Credit Appraisal Course - undefined
Treasury Management for Relationship Management Training Programme - undefined
Relationship Management & Marketing Strategies-Creating and nurturing Relationships - undefined
Skills
AREAS OF EXPERTISE/SKILLSundefined
Additional Information
- AWARDS: , Star prize winner of Group Chief Executive (Intercontinental Bank Plc)
- Award for Deposit Mobilization, February, 2007 Exceptional Performance Award, (Intercontinental Bank) - 2003
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Director, Strategy/Business Growth
Karosel Nigeria Limited
12.2010 - Current
Zonal Head
FIRST CITY MONUMENT BANK PLC
04.2010 - 11.2010
Area Manager
Port
11.2009 - 03.2010
Branch Manager
12.2008 - 11.2009
Branch Manager
INTERCONTINENTAL BANK PLC
07.2008 - 12.2008
Relationship Manager
01.2007 - 07.2008
Relationship Manager
National Conglomerate
02.2006 - 01.2007
Relationship Manager
Oil Services & Exploration
07.2004 - 02.2006
Relationship Officer
Oil
01.2003 - 06.2004
Head
Intercontinental
01.2002 - 01.2003
SAVANNAH BANK NIGERIA PLC
01.1994 - 01.1999
Bachelor's of Science (BSC) Hons Degree - Banking and Finance
RSUST
01.1992 - 04.1997
West African Schools Certificate (WASC - undefined
Birabi Memorial Grammar School
01.1979 - 04.1983
Master of Business Administration (MBA) - Business Management
Enugu State University of Technology
General Certificate of Education (GCE - undefined
Diploma - Ministry
DUNAMIS School of Ministry (DUSOM), ABUJA
PROJECTS /WORKS Nigerian Stock - undefined
Senior Management Training Programme, Team Building Africa, Lagos - undefined
Retail Lending Fundamentals Course, Omega Performance, London - undefined
International Trade Finance Course - undefined
Moody's Risk Analysis Software Training - undefined
Advance Credit Appraisal Course - undefined
Treasury Management for Relationship Management Training Programme - undefined
Relationship Management & Marketing Strategies-Creating and nurturing Relationships - undefined
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