UDOSEN EMMANUEL
udosen
Summary
I am a fastidious debt collection professional with over 10 years’ industry experience, versatile at implementing effective collection procedures in accordance with industry best practices and whose exemplary demonstrated ownership of portfolio, and taking responsibility for actions and delivering good result in a demanding environment have been celebrated many times.
Overview
13
13
years of professional experience
6
6
Certifications
Work History
Senior Recovery Manager
AB MICROFINANCE BANK IBADAN
01.2022 - Current
- Key Roles
- Oversee critical arrear portfolio of the branches
- Adviser to branch manager and other credit team on strategic approach in managing delinquent and bad loans
- Train credit and recovery officers on best recovery practices
- Build strategic police relation and mitigate court cases
- Onsite recovery and post disbursement evaluation
- Oversee the sales of bank’s confiscated collaterals.
- Actively listened to customers' requests, confirming full understanding before addressing concerns.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
- Exceeded goals through effective task prioritization and great work ethic.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
Recovery Officer IBADAN
AB MICROFINANCE BANK, AG
01.2016 - 01.2022
- KEY ACHIEVEMENTS
- Broke two years record of zero police and court cases from clients
- Maintained branch portfolio quality below the acceptable threshold of 4 percent
- Minimized bank exposure to confiscation conflicts in Ibadan region below 10 percent
- Co-founded a special control unit in the branch to counter rising staff fraud and misconducts thereby saving banks millions
- Trained and retrained credit and non-credit staff on best recovery strategies
- This has saved bank money from hiring external trainers.
Senior Credit Analyst
AB MICROFINANCE BANK, AG Berlin
LAGOS
01.2012 - 02.2016
- Evaluated credit request, mitigated inherent risk application and prepared credit proposal for informed decision
- Monitored disbursed credit facility and ensured timely repayment and has helped client repay in good time.
- Assured long term relationship through client satisfaction, reaching a high rotation of revolving clients
- Recovered loans in arrears and conducted field survey
- Conducted direct promotion and crossed selling other bank’s products
- Ensured compliance to approved credit policy, portfolio plans and CBN prudential guidelines
- Assessed credit risk and analyzed financial statements.
- Gathered loan documentation for underwriting.
- Contacted customers and requested financial documentation.
- Offered insight to upper management regarding credit decisions.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
Sales Client Adviser
AB MICROFINANCE BANK, holding AG
LAGOS
01.2011 - 01.2012
- Planned and carried out direct marketing activities, research, competition and customer survey
- Assisted client adviser in the disbursement of loans and other functions
- Crossed selling of bank financial products
- Canvassed prospects, client, and staff on raising deposits
- Recommended improvement in banking products, services and procedures
- KEY ACHIEVEMENT
- Secure key deposit accounts to the branch.
Marketing Executives/Customer Service Officer
BETHBIREE ENTERPRISES
LAGOS
01.2010 - 01.2011
- Sourced for prospects and repeat clients
- Delivered finished orders to clients
- Supervised the production process and orders of clients to meet specification
- Planned sales promotion for the company
- Conducted customers’ feedback survey to know their level of satisfaction
- Co-founded a special control unit for the branch to counter rising fraud and misconduct.
Education
Microfinance Certification Programme) -
The Chartered Institute of Bankers of Nigeria, Chartered Institute of Loan and Risk Management of Nigeria
Higher National Diploma - Marketing
FEDERAL POLYTECHNIC ADO EKITI
National Diploma - Business Studies
FEDERAL POLYTECHNIC ADO EKITI
Senior Secondary School Certificate - undefined
BASHORUN OJOO HIGH SCHOOL
Skills
Oral and written communication skillsAbility to work effectively in a teamProficiency in Ms – Office toolsStrong negotiation skillsCreative and innovative approach to work and solving problems
Recovery planning
Effective managerial techniques
Logistics support and recovery
Recovery strategies
Disaster Recovery Methodologies
Patient recovery assessments
Certification
Credit and Collection Laws and Police Relation Management.
Accomplishments
- Resolved many police cases without recourse to bank lawyers
- Achieved smooth monthly target on branch portfolio and written off loans.
- Broke zero court issue arising from recovery action in one years.
- Supported other branches with toughest confiscation activities
- Formulated confiscation protocol which was adopted by the branch as standard guideline for recovery activities.
- Championed many market storming campaigns to support sales of bank's products.
Timeline
Senior Recovery Manager
AB MICROFINANCE BANK IBADAN
01.2022 - Current
Recovery Officer IBADAN
AB MICROFINANCE BANK, AG
01.2016 - 01.2022
Senior Credit Analyst
AB MICROFINANCE BANK, AG Berlin
01.2012 - 02.2016
Sales Client Adviser
AB MICROFINANCE BANK, holding AG
01.2011 - 01.2012
Marketing Executives/Customer Service Officer
BETHBIREE ENTERPRISES
01.2010 - 01.2011
Microfinance Certification Programme) -
The Chartered Institute of Bankers of Nigeria, Chartered Institute of Loan and Risk Management of Nigeria
Higher National Diploma - Marketing
FEDERAL POLYTECHNIC ADO EKITI
National Diploma - Business Studies
FEDERAL POLYTECHNIC ADO EKITI
Senior Secondary School Certificate - undefined
BASHORUN OJOO HIGH SCHOOL