UMEH EMEKA CHARLES
Awka,Nigeria
Summary
Dynamic professional with extensive expertise in consumer and organisational behaviours, market development strategies, and product design. Demonstrates exceptional leadership and communication skills, effectively managing teams to achieve targets. Strong analytical abilities and resilience ensure success under pressure. Committed to driving organisational growth through strategic initiatives and innovative solutions. A Committed manager with exceptional leadership, organisational skills and communication abilities. Leads high-performing cross-functional teams. Leads projects, company operations and business growth.
Overview
18
18
years of professional experience
15
15
years of post-secondary education
Work history
Head Internal Audit and Compliance
The Millennium Microfinance Bank Ltd.
Awka
09.2023 - 01.2026
- Ensuring that the operations of the bank conform to the laid down policies
- Reporting on every fraud, forgery or attempted fraud to the Director, OFISD
- Ensuring proper and adequate record keeping
- Ensuring compliance with the requirements of regulatory authorities
- Advising management on the best compliance measures
- Identification of weaknesses in the internal control system
- Ensuring optimal utilization of the bank’s assets
- Ensuring the promotion of efficiency, effectiveness and economy in the running of the business of the bank
- Ensuring compliance with all guidelines, stipulations, pronouncements and regulations of the regulatory bodies
- Rendering compliance reports to regulatory agencies
- Work to ensure the completeness and accuracy of all functional unit transactional records
- Ensure the maintenance of up-to-date cash tellers’ proof and vault registers
- Objectively assess the company’s IT and/or business processes
- Assess the company’s risk and efficacy of its risk management efforts
- Perform evaluation of the economy and operational efficiency
- Send periodic reports to CBN, NDIC, and other supervisory agencies
- Monitor and ensure accurate balancing of vault cash and GL
- Ensure the company is complying with relevant laws and statutes
Business Development Manager
The Millennium Microfinance Bank Ltd.
Awka
09.2023 - 01.2026
- Development of new businesses
- Business negotiations
- Consummation of big ticket transactions
- Balance sheet management
- Facility management
- Business training
Profit Centre Manager – Retail and Commercial Banking Group
UBA Plc
Agulu
01.2017 - 08.2020
- Branch Manager Relief
- Development of business plan for the office, with supervision and close monitoring of set strategies to ensure proper execution and result achievement
- Develop strategies for both short term and long term profitability of the business office
- Oversees the roles of the Relationship managers and vendor managed sales staff of the business office
- Acquisition and Management of Branch Deposit and Risk Asset portfolio
- Head of Sales/Marketing/Liability generation Department
- Management of Branch Key Accounts
- Business Development
- Relationship Management
- Customer service
- Marketing of bank products and services/Deposit mobilisation
- Credit Analysis and Processing
- Account opening/Reactivation
- Customer enrollment/migration to e-channels
Relationship Manager - Retail Banking Group, Institutions Unit
UBA Plc
Awka
04.2013 - 12.2016
- Acquisition and Management of Institutional Accounts
- Management of Branch Key Accounts
- Business Development
- Relationship Management
- Customer service
- Marketing of bank products and services/Deposit mobilisation
- Credit Analysis and Processing
- Account opening/Reactivation
- Customer enrollment/migration to e-channels
Issue Resolutions officer, Issue Resolutions Unit
Access Bank Plc
Benin
01.2013 - 03.2013
- Customer Service
- Customer issues resolution
- Relationship management
- Customer Engagement and on-boarding
- Marketing of bank products and services/Deposit mobilisation
Relationship Officer, Value Chain Management - Commercial Banking Group
Access Bank Plc
PortHarcourt
09.2012 - 12.2012
- Value Chain Management
- Salary Mandate acquisition
- Relationship management
- Customer service
- Marketing of bank products and services/Deposit mobilisation
Relationship officer, Financial Institutions Development Unit - Commercial Banking Group
Access Bank Plc
Opebi, Lagos
05.2012 - 08.2012
- Business Development
- Product Paper design for Financial institutions
- Relationship management
- Customer service
- Marketing of bank products and services/Deposit mobilisation
Relationship officer, Credit / Marketing – Commercial Banking Unit
Access Bank Plc
Awka
02.2012 - 04.2012
- Marketing of bank products and services/Deposit mobilization
- Relationship Management
- Customer service
- Credit analysis and processing
- MPR preparation/presentation
Relationship Officer, Credit / Marketing – Commercial/Public Sector Unit
Intercontinental Bank Plc
Awka
01.2009 - 01.2012
- Acquisition of Government accounts
- Contract financing
- Marketing of bank products and services/Deposit mobilization
- Relationship management
- Customer service
- Credit analysis and processing
- Balance sheet analysis/management
Relationship Officer, Credit / Marketing – Retail Sales Unit
Intercontinental Bank Plc UNIZIK
Awka
08.2008 - 12.2008
- Marketing of bank products and services
- Relationship management
- Customer service
- UNIZIK Portal Administration (Administrator)
Marketing Executive
Industrial and General Insurance Plc
Onitsha
09.2007 - 06.2008
- Marketing of life and non-life insurance policies
- Relationship management with policy holders to ensure payment of premiums when due
Education
Bachelors Degree - Applied Biochemistry
Nnamdi Azikiwe University
Awka, Nigeria 01.2001 - 01.2005
WASSC -
Iheme Memorial Secondary School
Arondizuogu, Nigeria 01.1994 - 01.2000
FSLC -
Command Children’s School
Abakaliki, Nigeria 01.1989 - 01.1994
Skills
- Knowledge and understanding of consumer and organizational behaviours
- Experienced in market development strategies
- Sound knowledge of product development and design
- Experienced in managing people to achieve set targets
- Good communicator (verbal and written) with good interpersonal skills and the ability to relate well at all levels of management
- High organizational and administrative skills
- A team player able to provide effective leadership when required
- Computer literate with experience in using Microsoft word, Excel, Power Point, Office Overview, Outlook, Flex-Cube, Finacle and BankOne banking application softwares
- Strong ability to work under pressure without supervision
- Strong analytical skill
- Resilience and a strong drive to succeed
- Problem-solving
- Leadership
- Public Relations
References
Available upon request
Hobbies and Interests
Football, Reading, traveling to new places, chess game, meeting people, playing Table Tennis
Professional qualification/Training
- June 2008: Effective customer relationship management
- June 2008: Basic Credit analysis course
- July 2008: Graduate Management Trainee Program
- July 2008: Basic banking operations
- July 2008: Customer Service and Care Training
- August 2008: Workshop on creativity, innovation and team building
- October 2012: Effective sales and marketing training
- October 2012: Business etiquette and personal grooming training
- November 2012: Performance management skills training
- November 2012: Personal effectiveness and accountability program (PEAP)
- June 2013: Basic Credit course
- August 2014: Business Development/Project Management Training
- August 2015: SPANCO Training/Performance Management
- August 2016: Emotional Intelligence Training
- September 2017: Effective Leadership/Business Management training
- February 2018: Effective Sales/Emotional Intelligence/Basic credit/Leadership Training
- June 2018: Leadership and Skills Training
- October 2018: Managerial course
- May 2019: Personal Effectiveness and Performance Management
- Sept 2019: Stimulating profitability
Personal details
- Date of birth: 19/01/1983
- Sex: Male
- Marital status: Married
- Nationality: Nigerian
- State of origin: Imo State
- L.G.A: Okigwe
- Home Town: Arondizuogu
Work availability
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Sunday
morning
afternoon
evening
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Timeline
Head Internal Audit and Compliance
The Millennium Microfinance Bank Ltd.
09.2023 - 01.2026
Business Development Manager
The Millennium Microfinance Bank Ltd.
09.2023 - 01.2026
Profit Centre Manager – Retail and Commercial Banking Group
UBA Plc
01.2017 - 08.2020
Relationship Manager - Retail Banking Group, Institutions Unit
UBA Plc
04.2013 - 12.2016
Issue Resolutions officer, Issue Resolutions Unit
Access Bank Plc
01.2013 - 03.2013
Relationship Officer, Value Chain Management - Commercial Banking Group
Access Bank Plc
09.2012 - 12.2012
Relationship officer, Financial Institutions Development Unit - Commercial Banking Group
Access Bank Plc
05.2012 - 08.2012
Relationship officer, Credit / Marketing – Commercial Banking Unit
Access Bank Plc
02.2012 - 04.2012
Relationship Officer, Credit / Marketing – Commercial/Public Sector Unit
Intercontinental Bank Plc
01.2009 - 01.2012
Relationship Officer, Credit / Marketing – Retail Sales Unit
Intercontinental Bank Plc UNIZIK
08.2008 - 12.2008
Marketing Executive
Industrial and General Insurance Plc
09.2007 - 06.2008
Bachelors Degree - Applied Biochemistry
Nnamdi Azikiwe University
01.2001 - 01.2005
WASSC -
Iheme Memorial Secondary School
01.1994 - 01.2000
FSLC -
Command Children’s School
01.1989 - 01.1994