Phillips Ilesanmi OWOEYE
CHELMSFORD,ESSEX
Summary
Phillips Owoeye is a seasoned Credit Analyst, financial and business strategist with decades experience in structuring and managing complex credit facilities; risk management, financial advisory, and managing key customer relationship.
He's led high-impact initiatives that drove corporate growth, increased process efficiency, and enhanced customer experience within and outside the financial
He was at various times Team Lead, Specialised Lending; Retail and Consumer Credit; Corporate Bank; all with responsibilities for effective analysis, structuring, and management of various credit facilities.
Often referred to as Mr Customer first, Phillips is also well known for his passion for effective Customer relationship Management and is an acclaimed leader in effective conflict resolution.
A distinguished academic achiever, Owoeye graduated with First-Class Honorsin Banking and Finance from the University of Lagos, where he also earned his MBA. He is a Fellow of the Chartered Institute of Marketing of Nigeria, Chartered Institute of Bankers of Nigeria (HCIB), and International Institute of Management Consultants. He has undergone executive training at Lagos Business School and internationally, including Citibank Global Corporate Bank Training & Development (New York)..
Overview
35
35
years of professional experience
7
7
years of post-secondary education
Work history
Manager, Credit Risk Management Advisory
Philcrest Investments and Consulting Limited
CHELMSFORD, Essex
2023.01 - Current
- Provided Credit advisory to Small and Medium Scale Enterprises for loans ranging from GBP 20.000 to GBP250000
- Raised over $4MM as Financial Intermediator for International Businesess seeking Funding in the UK
- Provided risk based feasibility studies to over 10 new / intending businesses in five years
- Provided Business Process improvements consulting to 2 struggling Micro Finance businesses .
Senior credit analyst
United Bank for Africa (UBA) PLC
Lagos, Lagos
2017.03 - 2022.12
- Approving authority for assessed loans from 62 Bank branches within range of GBP50,000-GBP200,000 equivalence
- Participated in financial advisory for over 200 Micro Finance Banks and SMEs as a BDSP of Bank of Industry.
- Developed new collateral-free short term facility driven by Technology.
- Worked as Bank of Industry (BOI-BDSP) to analyse and accelerate funding of about 80 SMEs with over GBP1MM
- Led training of SMEs clusters over 36 months on risk mitigation.
- Streamlined workflow processes and mproved efficiency in operations of the "No WAHALA LOAN"
Regional credit and Business Development Manager
United Bank for Africa PLC
lagos, Lagos
2006.06 - 2017.02
- Developed comprehensive business plans, that secured sustainable growth in Bank's South West Region.
- Developed and managed Monthly Profitability criteria to achieve bank's profitability goals.
- Implemented marketing initiatives for greater brand visibility. and Identified market trends, that resulted in enhanced product offerings.
- Delivered on a consistenr basis, excellent customer service by addressing queries promptly and effectively through dedicated branch 2-man team
- Managed key accounts, ensuring high levels of customer satisfaction.
Key Accounts and Customer Relationship Manager
Nigerian American Merchant Bank
Lagos, Lagos
1990.01 - 2005.12
- Managed complex client portfolios to maintain profitable relations.
- Regularly organised team meetings, facilitated effective communication among members.
- Established strong client relationships by providing exceptional customer service.
- Implemented innovative ideas for keeping valued customers includding consistent engagements on current trends.
- Achieved high customer satisfaction with regular follow-ups and updates.
- Developed new business opportunities for enhanced revenue generation.
- Assisted in the development of marketing strategies for brand growth..
- Increased client retention, fostered trust and loyalty by resolving complaints efficiently.
- Analysed customer feedback, made necessary improvements in service delivery.
Education
Fellow - Management Consulting
Int'l Institute of Mgt Consultant
Lagos 2018.01 - 2018.03
Prince 2 - Project Management
UNIVERSITY OF WESTMINSTER
Westminster/United Kingdom 2017.02 - 2017.03
HCIB - Banking and Finance
CHARTERED INSTITUTE OF BANKERS OF NIGERIA
Lagos/NIGERIA 2005.06 - 2005.12
Chartered Marketer - Strategic Marketing
National Institute of Marketing of Nigeria
Lagos/NIGERIA 2005.01 - 2005.03
CHARTERED MANAGER - Business Management
Nigerian Institute of Management
Lagos/NIGERIA 2004.01 - 2004.03
CHARTERED LESSOR - EQUIPMENT LEASING
Equipment Leasing Association
Lagos 2000.01 - 2002.06
ADVANCE MANAGEMENT PROGRAMME - Strategic Management
LAGOS BUSINESS SCHOOL, PAN AFRICAN UNIVERSITY
Lagos 2002.01 - 2002.06
MBA - GENERAL MANAGEMENT
UNIVERSITY OF LAGOS
LAGOS, NIGERIA 1992.09 - 1995.06
BSC FINANCE AND BANKING - FINANCE AND BANKING
UNIVERSITY OF LAGOS
LAGOS / NIGERIASkills
- Strategic business planning and execution
Corporate and investment banking expertise
Financial advisory and structured lending
Risk management and compliance
Business process re-engineering
Organizational change management
- Leasing
Balanced Scorecard-Based Performance Management
Project management and consulting
Leadership and talent development
Languages
English
Fluent
Accomplishments
Best overall graduate in the Faculty of Business Administration University of Lagos 1988
Timeline
Manager, Credit Risk Management Advisory
Philcrest Investments and Consulting Limited
2023.01 - Current
Fellow - Management Consulting
Int'l Institute of Mgt Consultant
2018.01 - 2018.03
Senior credit analyst
United Bank for Africa (UBA) PLC
2017.03 - 2022.12
Prince 2 - Project Management
UNIVERSITY OF WESTMINSTER
2017.02 - 2017.03
Regional credit and Business Development Manager
United Bank for Africa PLC
2006.06 - 2017.02
HCIB - Banking and Finance
CHARTERED INSTITUTE OF BANKERS OF NIGERIA
2005.06 - 2005.12
Chartered Marketer - Strategic Marketing
National Institute of Marketing of Nigeria
2005.01 - 2005.03
CHARTERED MANAGER - Business Management
Nigerian Institute of Management
2004.01 - 2004.03
ADVANCE MANAGEMENT PROGRAMME - Strategic Management
LAGOS BUSINESS SCHOOL, PAN AFRICAN UNIVERSITY
2002.01 - 2002.06
CHARTERED LESSOR - EQUIPMENT LEASING
Equipment Leasing Association
2000.01 - 2002.06
MBA - GENERAL MANAGEMENT
UNIVERSITY OF LAGOS
1992.09 - 1995.06
Key Accounts and Customer Relationship Manager
Nigerian American Merchant Bank
1990.01 - 2005.12
BSC FINANCE AND BANKING - FINANCE AND BANKING
UNIVERSITY OF LAGOS