Princess Akujobi
Credit Risk Analyst
Lagos
Summary
Dedicated and knowledgeable in business development strategies. Experienced in developing customized solutions to meet wide-ranging customer needs, a strong collaborator and an active listener with excellent verbal and written communication skills. Highly Skilled in credit policies and corporate regulations. Desiring a Risk management position and prepared to bring years of progressive experience and take on a challenging position with an opportunity to make lasting impact on company and customer success.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Business Development Manager
CRC credit bureau limited
12.2022 - Current
- Established relationships with key decision-makers within financial institutions to promote growth and retention.
- Negotiated and closed long-term membership agreements with new clients in assigned territory.
- Conducted online and on site trainings to Risk management teams in commercial ,MFBs & MFIs on company's credit products & services such as; Credit information report, credit Score, Risk calculator, Portfolio Monitoring Report.
- Reviewed customer concerns and new opportunities to drive business strategy at weekly planning sessions.
- Developed pricing strategies while balancing firm objectives with customer satisfaction maximization.
- Monitored market trends and competitor performance and analyzed gaps to update promotional strategies and maximize sales.
- Produced monthly reports using advanced Excel spreadsheet functions.
- Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues
Profit Center Manager(Consumer Loan)
UBA GROUP
Lagos
01.2021 - Current
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Drive sales of consumer loan products to ensure achievement of Business Office's sales and volume budgets
- Examined customer loan applications for loan approvals and denials.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Submitted loan applications to underwriter for verification and recommendations.
- Make decisions about customer credit applications using range of criteria including purpose of application, credit viability, customer payment history and customer credit-worthiness.
- Developed prospects for new loans by conducting 100 cold calls weekly.
- Obtained credit checks of customers to determine their credit worthiness.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assessed credit risk and analyzed financial statements
- Used Credit Software application such as ICE {Integrated Credit Express} to perform credit appraisals, document verification and loan approvals
Relationship Manager,Retail Banking
UBA GROUP
11.2018 - 12.2020
- Worked with team particularly in account acquisitions, deposit mobilization and client relationship management
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Assisted customers with opening accounts and signing up for new services.
- Promote high-quality sales, planned and executed cross-sell campaigns to generate additional revenue.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Planned and executed cross-sell campaigns to generate additional revenue.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
Teacher,Office Practice and Business Admin
Christ Girls schools
06.2017 - 07.2018
- Graded and evaluated student assignments, papers and course work.
- Impacting knowledge to students on introduction to office practice
- Improve the overall achievement of students in internal and external examinations
- Assigned reasonable assignments and homework to students as per university rules
- Evaluated students' performances in an objective, fair and timely manner
- Completed daily reports on attendance and disciplinary performance.
- Planned and implemented integrated lessons to meet national standards.
- Evaluated and revised lesson plans and course content to achieve student-centered learning
- Incorporated exciting and engaging activities to achieve student participation and hands-on learning
Brand Ambassador
EKULO GROUP OF COMPANIES
03.2014 - 04.2014
- Engaged, educated and befriended customers to deliver amazing shopping experience.
- Increased brand awareness through event marketing, demonstrations, sales and brand promotion.
- Designed, filled and arranged eye-catching product floor sets to increase sales.
- Contributed to social media content documenting brand's impact in on market.
- Collaborate with both sales manager and team regarding new and innovative ways to market organizations brand
- Submit detailed reports for inventory, payroll hours, and material used
- Executed brand activations to standards and with professionalism.
Education
Bachelor of Science - Insurance And Risk Management
Enugu State University of Science And Technology
Enugu,Nigeria12-2016
Skills
- Relationship building and management
- Risk management skills
- Financial Advising
- Data Analytics and visualization skills
- Credit Analysis
- Financial and operational reporting
- Microsoft Excel and Spreadsheet
- Loan recommendation and Applications
- Communication skills
- Decision-Making
- Usage of Microsoft-office tools
Certification
- Risk management-IBMI{International Business management institute}
- Enterprise Risk Management -Alison Certification
- Project Management - Google Certification
- Customer Service Skill- Alison Certification
- Business Administration- Alison Diploma
- Financial Modelling and Valuation Analysis-ALX/CFI
- Basic Banking Operations-FITC
Hobbies
- Volunteering and community involvement
- Listening to music
- Exercising
- Reading
Timeline
Business Development Manager
CRC credit bureau limited
12.2022 - Current
Profit Center Manager(Consumer Loan)
UBA GROUP
01.2021 - Current
Relationship Manager,Retail Banking
UBA GROUP
11.2018 - 12.2020
Teacher,Office Practice and Business Admin
Christ Girls schools
06.2017 - 07.2018
Brand Ambassador
EKULO GROUP OF COMPANIES
03.2014 - 04.2014
Bachelor of Science - Insurance And Risk Management
Enugu State University of Science And Technology
- Risk management-IBMI{International Business management institute}
- Enterprise Risk Management -Alison Certification
- Project Management - Google Certification
- Customer Service Skill- Alison Certification
- Business Administration- Alison Diploma
- Financial Modelling and Valuation Analysis-ALX/CFI
- Basic Banking Operations-FITC
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