Summary
Overview
Work History
Education
Skills
Work Availability
Quote
Timeline
Projects
Training
Computer Knowledge
Mentorship Program
Hobbies and Interests
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OLAYINKA  OLATUNJI

OLAYINKA OLATUNJI

Credit Analyst
Ekiti State

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.

Overview

28
28
years of professional experience

Work History

Managing Director

Tcj Multibiz Concept Ltd.
08.2013 - Current
  • Constructed chairs , tables and other house furniture with iron, metal and aluminium and did many other innovative projects.
  • Built school children lunch bag with the capacity to maintain food and drinks temperature for a reasonable (long) period of time
  • Coordinated the entire workforce and ensured that the various departmental targets were met by Managers.
  • Supervised the departmental heads and ensured that annual performance targets of =N=100 Million sales were achieved.
  • Resolved departmental disputes and ensured that good relationship was maintained for overall efficiency.
  • Developed strategies that led to the achievement of departmental targets.
  • Attended seminars and workshop for personal skill improvement and enhancement of service delivery and effective management.
  • Formulated and executed staff motivational programs and schemes.
  • Arranged and scheduled annual training programs for staff developments.

Managing Director

Tcj Global Ventures
11.2002 - 08.2013
  • Achieved a sales target of 50 trailers load of Dangote Cement per month to company's customers
  • Coordinated the entire workforce and made them achieve their set target.
  • Programmed business and market extension by executing a self-devised strategies with programs that led to the attraction of more customers and helped improve profitability by 9.5%.

Senior Banking Officer

First Interstate Bank Plc
02.2001 - 10.2002
  • Analyzed and assessed customers' Credit Proposals,
  • Presented Credit Analysis Memorandum to the bank Management for approval of appraised and recommended credit proposal,
  • Liaised with the Administrative Department for credit availment and documentation,
  • Ensured that credits are well secured and the legal department determines the adequacy of securities before availment.
  • Maintained the D-base of credit facilities and issued periodic reports to the bank Management,
  • Issued Mandatory periodic reports to the bank's Management on the level of credit facilities and their respective status,
  • Performed other reporting duties assigned by the credit department heads or management.

Banking Officer

United Bank for Africa Plc
09.1997 - 05.2001
  • Appraised Commercial Credit Proposals,
  • Made recommendations for approval of credit facilities to Management - with a Credit Analysis Memorandum.
  • Ensured that credit principles and the laid down rules and regulations of the bank on credit are observed,
  • Attended trainings, seminal and workshops on bank credit analysis.
  • Trained and gave new staff orientations on credit appraisal techniques and the presentation format of writing credit recommendation to management.
  • The Credit Analysis Memorandum, Liaised with the Legal Departments to ensure that availed credit are well documented and the securities taken for the credit are confirmed adequate and legally safe-kept,
  • Generated and transfered to the Credit Administration Department, the loan repayment schedules of all approved availed credits to the Credit
  • Liaised with Loan Recovery Department and to assist in the recovery of bad loans and keep the loan facilities with red signals under watch.

Classroom Teacher

Community Secondary School
11.1995 - 11.1996

Teaching of Principles of Accounts and Mathematics at the Senior Secondary School Levels - i.e. SSS (1) to SSS (3) Classes.

Education

BSc. Accounting - Accounting

Obafemi Awolowo University
Ife, Osun State, Nigeria
12.1992

A Level WASC & GCE - Mathematics, Economics And Geography

Federal School of Arts & Science
Ondo, Ondo State Nigeria
12.1987

"O" Level WASC & GCE - Commercial Studies

Ora Community High School
Odo-Ora Ekiti
12.1985

First School Leaving Certificate - Elementary Studies

Methodist Primary School
Ifaki, Ekiti State, Nigeria
12.1980

Skills

  • Credit Analysis
  • Credit Administration
  • Credit Reporting
  • Employee Relations
  • Cost Reduction
  • Performance Evaluations
  • New business launch
  • Team Leadership
  • Business Planning
  • Business Growth Initiatives
  • Sales Promotion
  • Management Team Building
  • Performance Improvement

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote

Success usually comes to those who are too busy to be looking for it.
Henry David Thoreau

Timeline

Managing Director

Tcj Multibiz Concept Ltd.
08.2013 - Current

Managing Director

Tcj Global Ventures
11.2002 - 08.2013

Senior Banking Officer

First Interstate Bank Plc
02.2001 - 10.2002

Banking Officer

United Bank for Africa Plc
09.1997 - 05.2001

Classroom Teacher

Community Secondary School
11.1995 - 11.1996

BSc. Accounting - Accounting

Obafemi Awolowo University

A Level WASC & GCE - Mathematics, Economics And Geography

Federal School of Arts & Science

"O" Level WASC & GCE - Commercial Studies

Ora Community High School

First School Leaving Certificate - Elementary Studies

Methodist Primary School

Projects

Review of Cotton Loan portfolio granted to the Cotton Belt of the Northern Nigeria

Training

  • Advanced Credit Analysis - H. Pierson Training - Jul/2000
  • Intermediate Credit Analysis - H. Pierson Training - Jun/2000
  • Basic Credit Analysis - Agusto & Co. Ltd - Sep/1998
  • Consumer Lending & Credit Scoring - Agusto & Co. Ltd - Mar/2002
  • Web-Enabled Credit Risk Management - Financial Institution Training Center & Central Bank of Nigerian - May/2002
  • New Trends in Bank lending, Professor Omotola Jelili of University of Lagos
  • Credit Scoring for Consumer Lending - UBA Plc's Consumer Credit Sector
  • Advanced Microsoft Excel - Advance Software System - Aug/2000
  • Windows ’95 & MS-Office ’97 - Advance Software System - Oct/1999
  • Certificate in Application & Packages - Gemini Secretarial & Computer College - May/1997

Computer Knowledge

  • I developed an Automated Appraisal Software for First Interstate Bank Plc. For the appraisal of Consumer Lease Facilities.
  • Highly proficiency in the use of computer application and packages
  • The use of Banking and Finance operations packages in the processing of daily operational and credit transactions (e.g the UBA Plc's application package – brains and the First Interstate Bank Package-Future Bank).
  • Creation of Customer’s Credit Facility Account on the system with documentary back-up used in operations,
  • System-based capturing, checking and authorization of daily banking transactions.
  • System-based opening of account, Extension of Credit Facility Limits and/or Expiry,
  • Reactivation of Dormant Account, Blockage of credit and/or account Utilization, Transfer and/or Total Closure of Account.
  • Use of Microsoft Programs e.g. Ms-Word, Ms-Excel and Ms-Power-Point.
  • Use of Internet & E-mail facilities for prompt data transfer and management.
  • High proficiency in the handling of large volume of data with the use of Ms-Excel package
  • Extreme efficiency and proficiency in the handling of computer Hardware and other related accessories.
  • Ability to quickly learn any new application/Microsoft package(s) out of personal interest.

Mentorship Program

I am one of the highly rated Mentors of 8B Education Investments, a company into the provision of education loan to students needing financial assistance to study overseas especially in the US and Canada.

Hobbies and Interests

  • Handling of difficult tasks to achieve an unexpected and exceedingly marvelous result
  • Exploring computer system capability for efficient usage in the daily business activities.
OLAYINKA OLATUNJI Credit Analyst