Eze Ngozi Emilia

EZE NGOZI EMILIA Anambra, Nigeria-- CAREER OBJECTIVE Credit Officer with 3 years of experience in credit analysis, client relations, and loan processing. Skilled in data management, risk assessment, and resolving credit issues efficiently. Strong communication and problem-solving abilities. EDUCATIONAL BACKGROUND Dec 2014 – December 2018, B.Sc. Education in Business Education/Accounting ● Frequent group projects and presentations enhanced teamwork and communication skills. ● Extensive research through media, Internet & literary sources stimulated creative writing. ● My 8-000-word dissertation developed self-motivation, organization, and time management. RELEVANT EXPERIENCE MONIEPOINT MICRO FINANCE BANK July 2025 – December 2025 Loan Officer     Onboard and manage small-to-medium businesses (SMEs) to access, utilize, and repay credit products. Credit Assessment & Analysis: Evaluating loan requests using the 5Cs of credit—Character, Capacity, Capital, Collateral, and Conditions. Physical Verification: Visiting potential borrowers' business locations and residences to verify books, inventory, turnover, and address accuracy. Decision Recommendations: Formulating recommendations to management on whether to approve or decline loan applications based on data analysis. Grooming People For Better Livelihood September 2022 - September 2024 Credit Officer ● Mobilization and registration of targeted clients. ● I am responsible for the overall activities of 20 groups, where each group consists of 10-30 members, and the total number of members is 200-400. ● Conduct pre-loan training for every client. ● Disbursement of loans to clients and ensure 100% recovery of credit disbursed. ● Ensure timely and accurate record keeping of all financial transactions in the appropriate documents. ● Updating the client's financial history on the company's online database. ● Ensure that all transactions carried out manually are also corroborated by the Branch Process Automation(BPA). Woliwo Primary School, Onitsha, Anambra State, June 2020 – February 2021 Teacher ● Developed and delivered lesson plans, ensuring curriculum standards were met while adapting to student needs in real time. ● Managed classroom activities, troubleshooting student behavioral issues, and adjusting teaching strategies to maintain engagement and discipline. ● Maintained accurate student attendance, grades, and performance records, resolving discrepancies in real-time when necessary. ● Organized and supervised extracurricular activities, responding to last-minute changes and logistical challenges to ensure smooth execution. ● Collaborated with fellow teachers and administrators, troubleshooting scheduling conflicts and contributing to school-wide initiatives. Rex pharmaceutical and provisions store, June- Sale's representative ● Persuasiveness. Good salespeople don't pressure prospects—they persuade them. ... ● Empathy. Walk a mile in each of your buyer's shoes to understand their needs. ... ● Active listening. ... ● Relationship building. ... ● Conflict management. ... ● Social selling. Excess Chuks Enterprise Ltd. August 2018 - May 2019 Secretary ● Managed office communications by answering phone calls, emails, and handling correspondence. ● Organized and maintained company records, documents, and filing systems for easy access. ● Drafted reports, correspondence, and instructional materials for smooth operation and communication. ● Assisted in the coordination of office events, including team meetings, training sessions, and client visits. ● Handled confidential information with discretion and professionalism. ● .Ensured efficient day-to-day office operations, including office supply management and vendor coordination. Foreign languages: fluent in English and Igbo. SKILLS Appointment setting: Scheduling meetings/special tasks and following up on the completion of those tasks daily. Leadership: Trained and supervised 2 new loan officers and an intern in applying due diligence procedures and regulatory mandates, reducing the company's risk exposure by 80% Communication: Addressed over 1.2k clients in local client meetings with my direct superiors to develop a rapport with clients, understand sales and talking points of the network, and comprehend the marketing needs of the agencies. Customer Service (Advanced): Maintained a positive attitude while dealing with angry customers, resolving 96% of their complaints on first contact. Phone Etiquette (Experienced): Responded promptly to phone calls from customers by assisting them in product inquiries and complaints, and resolved 89% of issues on the first call. Teamwork: Collaborated with other credit officers to achieve a 4 out of 5 star rating regarding product knowledge. Collaborated with developers and the product management team to assess project outcomes and prioritize future app features. Reference: Available on request