Ibiyinka Oluwatoyin Okeowo-ojo

IBIYINKA OLUWATOYIN OKEOWOM_o_R, PRINCE 2 No 85, AiNA STREET OJODU BERGER lAGOS STATE--,- OBJECTIVE A certified Risk Specialist with an aim to pursue a highly rewarding career in a challenging but healthy work environment where skills and knowledge are efficiently utilized for organizational and personal growth. EDUCATION Economics, Bachelor of Science June 2000 – August 2004 University of Ado-Ekiti, Ekiti State 2nd Class Honors Studies focused on managerial economics, petroleum economics, agriculture economics, business administration, fundamentals of accounting and Econometrics. Contributed to team projects with project work centered on “Financing Agriculture in a Deregulated Economy: The Nigerian Experience”. EXPERIENCE Manager- Finance & Budgeting: Tbelian Business Solutions: Nov 2016 – Till date Monitored the Financial performance of the Company and how it affects the Credit Risk of the Business Responsible for the preparation of financial statements for all lines of business. Responsible for completion of annual and monthly budgets in a timely and detailed manner. Analyze trends in sales, expenses and capital expenditures for variances and make appropriate adjustments. Manage development of all budgets, forecasting and operational planning tools. Run monthly forecasting models to identify risks and opportunities. Analyze revenue, expense, headcount and planning Credit Review & Monitoring: Commercial Banking Division Access Bank, Head Office, VI, Lagos: December 2014 – October 2016 Monitoring Monitor the performance and Quality of the Division’s Risk Asset Portfolio Monitor compliance with financial and non-financial covenants on facilities Review of the Commercial Banking Division’s Liability position Review of attested call over of generated list of: Approved credit facilities maintained on all previous working day(Daily Deals) Approved requests advertently used to tactically manage expired facilities, unpaid matured obligations etc. Unpaid Obligations (OD no limit status & overline Position) Review/Analysis of Overdraft utilization & efficiency(financial covenant, turnover clause, minimum weekly collection) Snap review of specified facilities Review/Analysis of credit requests using the risk asset rating, Balance sheet, Income statement, call memos and credit checks. Ensure compliance of credits disbursed to terms and conditions contained in the approved Facility Agreement Memo including income tracking. Income tracking shall include cot rates, interest rates, commissions, default rates, fee concessions, waivers and deferrals. Review of Daily Debits: Daily check on accounts going in to debit for the first time. This is escalated and brought to the attention of the relationship managers for regularization. Review of maturing obligations with emphasis on rental obligation and final maturities. Review Recommend credit request for the approval of the Chief Risk Officer, Group Heads and other approving authorities as stipulated by the Bank’s credit policy guide. Amendment and re-alignment of credit requests in line with best-fit purposes. Identification of inherent risks in credit requests in addition to mitigating those risks or creating better alternatives to manage them. Analytical Inference using financial statements to determine their sales & profitability, Asset Management, Liquidity & Leverage as well as their Cash flow projection. Review Business Risk, Cash flow projection analysis, identifying cash drivers and access to liquidity in various credit requests. Team Lead, Credit Documentation& Compliance – Risk Management Group Skye Bank Head office VI, Lagos: December 2013 – November 2014 Ensure credit file documents are up to date and appropriately filed in line with the regulatory requirements. Liaise on behalf of the Bank with Auditors and Regulatory bodies during periodic and routine review of the Banks Risk Asset Portfolio. Conducts spot checks on branches to ensure they comply with the approved credit file management policy of the Bank Ensure proper maintenance of the Bank’s credit files archives Worked hand in hand with the Credit Administration Unit for recent approvals on the Bank’s top 500 customers and ensure their records are up to date. Credit Control and Compliance- Risk Management Group: Jan 2009– November 2014 Skye Bank, Head Office, VI, Lagos. Review & Monitor the bank’s risk assets Portfolio on a daily/weekly/monthly basis to ensure compliance with agreed terms and conditions with a view to preparing exceptions for management e.g. unauthorized transactions, expired facilities, excess above limit etc. Generated reports based on findings/recommendation for Management/Regulatory Authorities (BCC-Board Credit Committee, CBN Quarterly Report etc. Monitors compliance of credits disbursed to terms and conditions of the approval including income tracking. Income tracking shall include cot rates, interest rates, commissions, default rates, fee concessions, waivers and deferrals. Evaluate the quality of individual loans within the Bank’s portfolio to assist in timely identification of early warning signals. Provide well defined solutions or recommendations for noted deficiencies. Confirm credit quality and classification of existing exposures Process release of shipping documents Identify and recommend accounts for Watch listing and Classified Risk Assets Committees. Visit customer’s offices, factories, warehouses and Project sites to compare level of work done/ Vis a Vis the amount availed. Business Development OfficerMarch 2007 – Jan 2009 Skye Bank Plc, Oba Adebimpe Branch ,Ibadan Facilitate different marketing presentations/forums to cross sell the Bank’s Products Handled cash/cheques pick-up transactions for various customers Processed release of shipping documents Reviewed/Analyzed/Packaged customers facility requeste.g. Temporary Overdrafts, Term loans, Advances, Lease finance Facility, Import finance facility. Vault operations. Graduate Assistant (NYSC) Feb 2005 – Feb 2006 Federal Polytechnic Kaura Namoda Zamfara State Served as assistant lecturer in Business Administration for ND 1 & 2 students Assessed the students based on the course outline Prepared the results of the assessment for accreditation SKILLS & STRENGTHS Great Interpersonal Skills Good Team Player Flair for Writing Excellent Communication Skills PROFICIENCY Adobe Reader 9 MS Office Suite Power Point Flexcube 2.0 Banking Application Kastle Universal Lending Suite RECENT CERTIFICATION& AWARDS Moody’s Analytics Credit Risk Training July 2016 M_o_r(Management of Risk)Certification February 2015 Harry Baker Professionals APM Group (Course Developed by the Office of Government Commerce (OGC) United Kingdom) PRINCE 2 Foundation & Practitioner Certification August 2013 HarryBaker Professionals APM Group (Course Developed by the Office of Government Commerce (OGC) United Kingdom) Associate Member, 2011—Till Date RIMAN(Risk Management Association Nigeria) Student Member CIBN(Chattered Institute of Bankers Nigeria)2012 – Till Date 3rdPlace Winner, 2011 Health Week Essay Competition, “Dietary Challenges in the 21st Century” Skye Bank Health Week Essay Competition Credit Risk Management Training – June 2010 (Dun and Bradstreet) Professional Selling and Marketing Financial Services – February 2007 (Dale & Parker Consulting) Referees will be made available on request