Utibe Ekpat
Uyo
Summary
Dynamic banking professional with over 22 years of expertise in business development and marketing, driving organizational success through strategic relationship-building at all levels. A proactive approach has resulted in the acquisition of numerous accounts and significant client base expansion, demonstrating a strong ability to thrive in competitive environments. Exceptional interpersonal, analytical, and organizational skills complement effective leadership capabilities, empowering teams to achieve their full potential. Proficient in essential ICT skills, ensuring adaptability and relevance in an ever-evolving technological landscape.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Head, Credit & Marketing
Uniuyo Microfinance Bank
06.2012 - Current
- High-profile management position accountable for soliciting business accounts and developing strategic alliances with clientele.
- Strategically pilot the overall running of the business group to achieve set goals in terms of profitability.
- Develop strategies to increase assets and profitability within a territory consisting of so many banking franchises in Uyo, the Akwa Ibom state capital.
- Devise and implement innovative marketing principles and promotional sales events for commercial projects to further support financial growth.
- Counsel high net-worth individuals and corporate clients with regard to investment opportunities, risk analysis, and monetary returns.
- Participate in community events to position the bank as a prime player within the University Community
- Highlights:
- Achieve quantum growth in the banking business that result in high volume deposit base and quality risk asset profile.
- Achieve very low bad loan port folio through quality credit administration
- Contribute immensely to creating a good brand for the bank through consistent innovative rebranding to suit and attract the banking public
Branch Manager, Ikom
Ecobank Nigeria Plc
12.2009 - 10.2010
- Strategically piloted the overall running of the branch to achieved set goals both in terms of profitability and adherence to laid down policies.
- Developed tactics to increase assets and profitability within a territory consisting of eleven franchises throughout Ikom, Cross River State.
- Devised and implement innovative marketing principles and promotional sales events for commercial projects to further support financial growth.
- Restructured bad loans for effective repayment and also engaged in aggressive loan recovery
- Counseled high net-worth individuals and corporate clients with regard to investment opportunities, risk analysis, and monetary returns.
- Cross-sold banking services and products to clientele.
- Participated in community events to position the bank as a leader within the territory.
- Highlights:
- Generated more than N50 Million in revenue and fee income within a 3-month period.
- Achieved very high audit and compliance rating with near-zero exception
- Achieved very low bad loan port folio through aggressive loan recovery
- Developed a strategic marketing campaign targeting un-banked potentials consisting of largely cocoa farmers which has generated substantial referrals.
Head of Marketing
Ecobank Nigeria Plc
12.2007 - 11.2009
- Management position accountable for soliciting business accounts and developing strategic alliances with clientele.
- Developed tactics to increase assets and profitability within a territory consisting of thirty two franchises throughout Uyo, Akwa Ibom State.
- Devised and implement innovative marketing principles and promotional sales events for commercial projects to further support financial growth.
- Counseled high net-worth individuals and corporate clients with regard to investment opportunities, risk analysis, and monetary returns.
- Cross-sold banking services and products to clientele.
- Participated in community events to position the bank as a leader within the territory.
- Highlights:
- Produced highly focused and result oriented marketing team that saw to the increased businesses in terms of numbers and volumes
- Strategized marketing campaign targeting at Public Sector deliverables which generated substantial business sign on for the branch
Head of Cash Centre
Ecobank Nigeria Plc
07.2007 - 07.2008
- Management position accountable for the overall running of the cash centre in terms of human management as well as soliciting for business accounts and developing strategic alliances with clientele.
- Developed tactics to increase assets and profitability within a territory consisting of nine franchises throughout Eket, Akwa Ibom State.
- Counseled high net-worth individuals and corporate clients with regard to investment opportunities, risk analysis, and monetary returns.
- Cross-sold banking services and products to clientele.
- Participated in community events to position the bank as a leader within the territory.
- Highlights:
- Discovered business potentials of the market resulting to the recommendation for management approval to start running as a full branch. This was as a result of increased revenues from the business office
Relationship Officer
First City Monument Bank Plc
12.2005 - 12.2006
- Responsible for “maintenance calls” on existing customers and follow-up on inquiries and problems to retain customers, and to develop new loan and deposit opportunities with “prospects”.
- Assisted Branch team in meeting and even exceeding all assigned goals and objectives
- Managed loan and related depository relationships as assigned
- Interface with customers to determine needs and managing the Bank’s delivery of service and products to meet those needs
- Maintained comprehensive database information on existing relationships/prospects
- Analyzed financial statements and pertinent information to determine creditworthiness of prospective customers.
- Counseled corporate clients and high net-worth individuals with regard to their borrowing needs.
Relationship Officer
Co-operative Development Bank Plc
01.2002 - 11.2005
- Responsible for “maintenance calls” on existing customers and follow-up on inquiries and problems to retain customers, and to develop new loan and deposit opportunities with “prospects”.
- Assisted Branch team in meeting and even exceeding all assigned goals and objectives
- Managed loan and related depository relationships as assigned
- Interface with customers to determine needs and managing the Bank’s delivery of service and products to meet those needs
- Maintained comprehensive database information on existing relationships/prospects
- Analyzed financial statements and pertinent information to determine creditworthiness of prospective customers.
- Counseled corporate clients and high net-worth individuals with regard to their borrowing needs.
Education
Master of Business Management -
National Institute of Business Management
IndiaBachelor of Science - Physics
University of Uyo
NigeriaSkills
- Approachable demeanor
- Collaborative teamwork
- Service excellence
- Strategic issue analysis
- Effective time management
- Reliable and accountable
- Detail-oriented analysis
- Proficient in managing multiple tasks
- Analytical reasoning
- Composed in high-stress situations
- Strong organizational abilities
Certification
- Essentials of Management and Strategic Planning.
University of California, Irvine.
- Fundamentals of Finance
University of California, Irvine.
- Introduction to Digital Marketing.
University of California, Irvine.
- Microfinance Certified Practitioner (MCP).
Chartered Institute of Bankers of Nigeria
Timeline
Head, Credit & Marketing
Uniuyo Microfinance Bank
06.2012 - Current
Branch Manager, Ikom
Ecobank Nigeria Plc
12.2009 - 10.2010
Head of Marketing
Ecobank Nigeria Plc
12.2007 - 11.2009
Head of Cash Centre
Ecobank Nigeria Plc
07.2007 - 07.2008
Relationship Officer
First City Monument Bank Plc
12.2005 - 12.2006
Relationship Officer
Co-operative Development Bank Plc
01.2002 - 11.2005
Master of Business Management -
National Institute of Business Management
Bachelor of Science - Physics
University of Uyo