Utibe Ekpat
Uyo,Akwa Ibom State
Summary
Thorough banking professional knowledgeable about bank products, processes and regulations. Confident and organized in helping consumers navigate sometimes-complex systems to achieve financial goals and boost bank profitability.
Seasoned professional with focus on credit risk management and strategic financial analysis. Proven track record of mitigating risk and enhancing portfolio quality through comprehensive risk assessments and innovative problem-solving. Skilled in developing robust risk frameworks and leading high-performing teams to achieve organisational objectives.
Overview
23
23
years of professional experience
13
13
years of post-secondary education
Work history
Head of Credit/Risk
Uniuyo Microfinance Bank
Uyo, Akwa Ibom State
06.2012 - 10.2024
- Developed a robust credit risk framework by driving continuous improvements in risk identification and management.
- Led the creation of innovative credit risk strategies for enhanced business performance.
- Improved company's financial stability with strategic credit risk management.
- Manage over 150 customer calls a day
- Enhanced understanding of regulatory changes for improved compliance within the department.
- Streamlined processes for efficient handling of loan applications, resulting in customer satisfaction.
- Implemented stringent monitoring procedures, reducing instances of late payments or defaults significantly.
- Fostered an environment encouraging open communication with team members to address potential risks proactively.
- Mitigated potential losses by designing and executing effective collection strategies for delinquent accounts.
- Collaborated extensively with sales and finance teams, ensuring alignment on credit policies and practices.
- Prioritised regular training sessions to enhance team's understanding of evolving industry trends and regulations related to credit risk management.
- Generated detailed reports analysing the company's overall exposure to credit risk, providing valuable insights for decision-making processes.
- Championed necessary changes in company-wide lending practices for better protection against potential defaulters.
- Drove process optimisation initiatives across all areas related to credit administration, leading to increased efficiency and effectiveness.
- Produced high-quality credit documentations and reports consistent with brand guidelines.
- Updated credit risk policies and procedures to mitigate against developments in fraud strategies.
- Mentored team of junior credit analysts to achieve KPIs.
Branch Manager
Ecobank Nigeria Plc
Ikom, Cross River State
01.2009 - 10.2010
- Improved branch productivity by implementing efficient work schedules.
- Developed and implemented strategies for increased customer satisfaction.
- Managed daily operations to ensure smooth running of the branch.
- Fostered a positive work environment, improving overall team morale.
- Streamlined business processes to enhance operational efficiency.
- Liaised with clients, resulting in strong relationships and repeat business.
- Led team meetings to foster communication and collaboration.
- Provided excellent customer service, securing client loyalty.
- Resolved customer complaints swiftly, maintaining company's reputation.
- Reviewed and analysed sales data to identify growth opportunities.
- Ensured compliance with company policies, maintaining ethical standards.
- Conducted regular performance reviews for continuous employee development.
- Organised local marketing activities, boosting brand visibility within community.
- Directed day-to-day work of employees and motivated teams to exceed objectives.
- Monitored operations to assess and highlight results.
Head of Marketing
Ecobank Nigeria Plc
Uyo, Akwa Ibom State
12.2007 - 12.2008
- Developed and implemented comprehensive marketing strategies with a focus on brand recognition.
- Led cross-functional teams for successful product launches.
- Streamlined internal processes to improve overall marketing efficiency.
- Fostered strong relationships with key industry influencers, increasing brand visibility.
- Conducted thorough market research with an objective to understand customer behaviours.
- Identified new business opportunities through diligent market analysis.
Head, Cash Centre
Ecobank Nigeria Plc
Eket, Akwa Ibom State
01.2007 - 11.2007
- Carried out day-to-day duties accurately and efficiently.
- Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
- Successfully delivered on tasks within tight deadlines.
- Supported team by demonstrating respect and willingness to help.
- Offered friendly, efficient customer service and handled challenging situations with ease.
Relationship Officer
First City Monument Bank Plc
Eket
12.2005 - 12.2006
- Improved customer relationships by addressing their queries and concerns promptly.
- Organised client meets for fostering stronger business relations.
- Established rapport with clients to facilitate open communication lines.
- Assisted in conflict resolution, leading to improved customer satisfaction.
Relationship Officer
Co-operative Development Bank Plc
Eket
01.2002 - 11.2005
- Improved customer relationships by addressing their queries and concerns promptly.
- Organised client meets for fostering stronger business relations.
- Established rapport with clients to facilitate open communication lines.
- Assisted in conflict resolution, leading to improved customer satisfaction.
- Negotiated deals with customers, resulting in mutual benefits.
- Stayed updated on latest market trends for providing relevant advice to customers,.
Education
Certificate of Higher Education - Introduction to Business
University of California/Coursera
Irvine, California. United States of America 08.2024 - 09.2024
Master of Business Administration (MBA) - Business Administration
National Institute of Business Management, India
India 11.2018 - 11.2019
Bachelor of Science - Physics
University of Uyo
Nigeria 03.1993 - 11.1998
Senior School Certificate -
Community High School
Ekparakwa, Nigeria 09.1986 - 07.1992
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Skills
- Excellent Communication skill
- Leadership skill
- Organizational Know-how
- Collaboration talent
- Time management
- Self motivation
- Team work
- Market trends awareness
- Strong analytical thinking
- Data interpretation
Personal Information
Date of birth: 01/27/74
Timeline
Certificate of Higher Education - Introduction to Business
University of California/Coursera
08.2024 - 09.2024
Master of Business Administration (MBA) - Business Administration
National Institute of Business Management, India
11.2018 - 11.2019
Head of Credit/Risk
Uniuyo Microfinance Bank
06.2012 - 10.2024
Branch Manager
Ecobank Nigeria Plc
01.2009 - 10.2010
Head of Marketing
Ecobank Nigeria Plc
12.2007 - 12.2008
Head, Cash Centre
Ecobank Nigeria Plc
01.2007 - 11.2007
Relationship Officer
First City Monument Bank Plc
12.2005 - 12.2006
Relationship Officer
Co-operative Development Bank Plc
01.2002 - 11.2005
Bachelor of Science - Physics
University of Uyo
03.1993 - 11.1998
Senior School Certificate -
Community High School
09.1986 - 07.1992
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