OLALEKAN YUSUF

• Carried out day-to-day duties accurately and efficiently.
• Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
• Successfully delivered on tasks within tight deadlines.
• Demonstrated respect, friendliness and willingness to help wherever needed.
• Facilitated customer requests to enhance satisfaction levels.
• Maintained high security standards to prevent fraudulent activities.
• Assisted in the training of new staff members for higher performance levels.
• Liaised with banking partners to streamline international transfers.
• Mitigated risk by closely monitoring suspicious activities.
• Ensured accuracy with diligent review of all transactions.
• Managed confidential information securely, safeguarding customer interests.
• Improved processing time by implementing new funds transfer procedures.
• Coordinated with internal teams for seamless fund transfers.
• Developed effective strategies to mitigate operational risks.
• Resolved rejects through excellent supplier relations, quickly balancing accounts.
• Processed cheques and remittance advice to maintain daily disbursements.
• Performed bank transfer and disbursement requests within agreed deadlines to meet agency needs.
• Assessed daily cash flow against agreed tolerance levels to limit risk.
• Maintained comprehensive knowledge of regulatory and legal issues to comply with financial industry guidelines.
• Translated financial jargon for complete client understanding.

CREDIT DUTIES

Loan Origination & Appraisal: Interview customers, collect documents, assess borrower character, capacity, capital, collateral, conditions - 5Cs of credit

Credit Analysis: Analyze financial statements, bank statements, BVN/NIBSS data. Calculate DTI ratio, cash flow, and repayment capacity

Documentation: Prepare credit memos, offer letters, loan agreements, collateral documentation. Ensure 100% complete files before disbursement

Disbursement & Monitoring: Process approved loans on Bank-one, Monitor loan performance, track delinquency, follow up on overdue accounts

RISK MANAGEMENT DUTIES

Credit Risk Assessment: Identify, measure, and mitigate credit risk before loan approval. Recommend declines for high-risk applications

KYC/AML Compliance: Perform enhanced due diligence on PEPs/high-risk customers. Ensure compliance with CBN AML/CFT regulations

Fraud Risk Control: Verify documents, signatures, collateral. Flag suspicious transactions and report to compliance/risk unit

Policy Adherence: Enforce bank credit policy, lending limits, and approval authority matrix. No exceptions without approval

Reporting: Prepare weekly/monthly credit risk reports: portfolio quality, sector exposure, delinquency trends for management

Recovery: Initiate recovery actions on delinquent loans: calls, letters, visits. Liaise with legal on NPL accounts

RELATIONSHIP MANAGER

1. Client Portfolio Management Manage portfolio of 150+ high net-worth/retail/SME clients with total deposit base

2.Conduct periodic account reviews and financial needs analysis for each client

3. Maintain 95%+ client retention rate through proactive service and relationship building2. Sales & Business Development
4. Drive deposit mobilization: Achieved 120% of annual deposit target for 4 consecutive years
5. Cross-sell bank products: loans, cards, USSD, internet banking, investment products
6. Generate fee income yearly through product adoption and transaction volume3. Credit & Risk Support
7. Originate and package loan applications for RM clients. Liaise with credit team for fast approval
8. Monitor client loan accounts to ensure repayment and keep PAR
9. Conduct KYC/CDD updates and ensure 100% compliance with CBN/AML regulations4. Customer Service & Retention
10. Resolve client complaints/escalations within SLA. Maintain customer satisfaction score 4.5/5
11. Act as single point of contact for all banking needs - account issues, transactions, advisory
12. Organize client engagement events: seminars, appreciation events, business clinics5. Reporting & Compliance
13. Prepare monthly RM reports: portfolio performance, new acquisitions, at-risk accounts
14. Ensure all client documentation is complete, accurate, and audit-ready
15. Adhere to bank policies on ethics, confidentiality, and risk management

Cash Control: Managed ATM cash loading, balancing & reconciliation for 2-4 branch ATMs with ₦80M-₦150M monthly throughput. Maintained zero cash variance for 36+ months via strict dual-control procedures.

Uptime & Service: Monitored ATM health daily, performed first-level troubleshooting on jams/card readers. Achieved 98.5%+ uptime, reducing customer complaints and downtime losses

Risk & Compliance: Enforced CBN cash handling, KYC, and security protocols during all cash movements. Maintained 100% audit trail for keys, codes, waybills — passed all internal + CBN audits with zero infractions.

Fraud Prevention: Inspected ATMs for skimming devices, vandalism, and suspicious activity during each visit. Reported 5+ fraud attempts, protecting bank + customer funds

Reporting: Prepared daily ATM journals, cash position reports, and variance/incident reports for Branch Manager & Operations. Supported month-end reconciliation accurately

Cash Control: Managed ATM cash loading, balancing & reconciliation for 2-4 branch ATMs with ₦80M-₦150M monthly throughput. Maintained zero cash variance for 36+ months via strict dual-control procedures

Uptime & Service: Monitored ATM health daily, performed first-level troubleshooting on jams/card readers. Achieved 98.5%+ uptime, reducing customer complaints and downtime losses

Risk & Compliance: Enforced CBN cash handling, KYC, and security protocols during all cash movements. Maintained 100% audit trail for keys, codes, waybills — passed all internal + CBN audits with zero infractions

Fraud Prevention: Inspected ATMs for skimming devices, vandalism, and suspicious activity during each visit. Reported 5+ fraud attempts, protecting bank + customer funds

Reporting: Prepared daily ATM journals, cash position reports, and variance/incident reports for Branch Manager & Operations. Supported month-end reconciliation accurately

Admin Officer:

1. Branch Operations & Controls

Oversee daily branch operations to ensure smooth customer service + compliance with CBN/bank policiesMonitor cash management, vault operations, and teller balancing to prevent shortages/overagesCoordinate ATM, POS, and alternate channel uptime with ops/IT teamsEnforce dual-control, maker-checker, and other internal controls across all units

2. Admin, HR & Logistics

Manage branch admin supplies: stationery, forms, cheque books, printer consumablesHandle staff attendance, leave records, and shift schedules in line with HR policyCoordinate branch maintenance: power, AC, cleaning, security, generator/fuel logsLiaise with facilities/security on access control, CCTV, and safety drills

3. Documentation, Reporting & Compliance

Maintain branch files, records, and registers per record retention policyPrepare daily/weekly/monthly reports: operations, exceptions, incidents for Regional/Head OfficeEnsure KYC/AML, NDPR, and regulatory compliance — support audits with clean documentationTrack and follow up on audit queries, customer complaints, and policy breaches

4. Customer Service & Risk

Resolve escalated customer issues and complaints professionally Monitor fraud/suspicious transactions and escalate to Risk/Compliance per policyTrain new staff on branch processes, controls, and service standards

• Managed queue effectively during peak hours for seamless checkout process.
• Identified counterfeit notes whilst handling cash, ensuring financial security.
• Trained new cashiers on store policies and procedures to maintain standards.
• Maintained clean and organised workspace to ensure efficient service.
• Balanced till at end of day, maintaining accurate records.
• Collaborated closely with store management for daily operations success.
• Resolved customer complaints professionally leading to higher retention rates.
• Enhanced customer satisfaction by promptly addressing issues and concerns.
• Used Point of Sale system efficiently, speeding up transactions.
• Handled high volumes of transactions during holiday seasons efficiently.
• Demonstrated patience while dealing with difficult customers, maintaining professionalism.
• Communicated product information to customers, driving informed purchases.
• Processed payments swiftly for improved customer experience.
• Handled cash and card payments with precision, maintaining customer confidentiality and discretion throughout.
• Completed opening and closing procedures each day.
• Greeted customers entering bank's and responded promptly to customer needs.
• Checked notes carefully to spot counterfeit currency.
• Reduced customer wait times through optimised checkout processes.
• Answered questions about bank's policies and concerns politely and professionally, supporting positive customer experiences.