Idowu Olarewaju

Block 9 Flat 8, Lagoshoms scheme, Ilupeju, Lagos, Nigeria Phone Contacts- -OLAREWAJU, IDOWU ADEBOLA career Objectives To work in an establishment where my analytical skills, operational know how and professional knowledge will be maximally utilized. This will enable me add values to the Organization as well as facing new challenging career development. Work experience Wema Bank Plc – Corporate and Commercial Banking (Assistant Manager) \ To coordinate and execute marketing strategies of the bank, grow the branch business volume and profitability. RESPONSIBILITIES Manage and responsible for the banking relationship of corporate and commercial clients amongst others. Growing branch business volume with existing relationships, ensuring customer satisfaction, retention and loyalty through leadership, mentoring and coordination of branch staff. Identify, promote and provide financial services needs for account holders and prospects. Executing specific marketing strategies of Wema financial products and services that are result oriented. Evaluate, analyze and recommend the creation of risk assets to ensure appropriate financing requirement of clients and increase branch office profitability. Assist the Regional Manager in credit evaluation of all corporate loan requests, review request for facility renewal/extension amongst others using appropriate methodologies as applicable. Mobilizing collections and cheap deposits for the Bank and monitoring of quality risk assets. Generating periodic market/business reports for management information as need to support decision-making. United Bank for Africa – Profit Center Manager, Local Corporate and Commercial Banking (Senior Banking Officer) To establish and maintain positive customer relationship, execute the marketing strategies and sell new and existing products of the Bank. RESPONSIBILITIES Evaluate, analyze and recommend the creation of risk assets to increase business office profitability. Growing business volume with existing relationships, ensuring customer satisfaction, retention and loyalty through aggressive marketing of UBA Products that are result oriented. Executing specific marketing strategies, marketing the Bank’s products, Signing on new accounts. Facilitating, establishing and maintaining effective relationships with new and existing customers. Mobilizing collections and cheap deposits for the Bank. Generating periodic market/business reports for product review and development. United Bank for Africa – Risk Management Directorate (Credit Analyst) (Banking Officer) To review all credit requests and ensure compliance with standard regulations before disbursement with objective to contain credit risk within acceptable parameters. RESPONSIBILITIES Providing preliminary credit support to the relationship teams/managers; especially in the area of good credit structuring and assisting the relationship teams/manager towards achieving the banks set credit/loan targets. Evaluation, reviewing and ensuring that credit facilities approval process is in compliance with regulatory and internal credit policy requirements. Assist Business office with the utilization of moody’s analysis software to assess the financial strength and to derive risk rating for Credit customer. Identify, understand and evaluate inherent credit, financial and business risk in credit proposals and ensure that adequate and effective Mitigants are proffered. Identifying Gaps in existing credit product programs/papers, and making recommendations to management with a view to harmonize identified gaps in line with current market realities and banks policy. Conducting joint calls with relationship managers to prospective credit customers of the bank to gather relevant information that would ensure proper structuring/packaging of credit that meets the customers’ needs in line with banks policy. Provide on the spot training of relationship officers on credit packaging/structures and issues relating to the credit process in the bank. Ecobank Nigeria Limited – Risk Management Group (Credit Analyst) (Assistant Banking Officer) To process retail loan from origination to disbursement. This is to support and drive the sales and improve customer’s satisfaction/service in order to position the Bank better in the industry. RESPONSIBILITIES Review and approve all Credit Requests. Evaluation and review of Product program performance with core competency in Product program knowledge. Review Credit Procedure and make recommendations for improvement. Ensure that Credit Approval Process complies with the bank’s Credit Policies. Review Obligor Risk Rating and ensure that it is appropriately derived by validating Result using the Moody’s Software. Make joint relationship and site inspection calls with business units. Manages credit process improvements via the use of Kastle software. Liaising with external consultant on Kastle related issue. Training other staff on credit with the use of the Kastle lending software. Ecobank Nigeria Plc – Risk Management Group (Loan Monitoring and Control) To adequately monitor the Bank’s risk assets to ensure performance in line with the Bank and Shareholder’s objectives. RESPONSIBILITIES Ensure prompt monthly review of bank’s risk asset portfolio and performance analysis by branch, retail product and SBU with recommended provision. Responsible for monitoring of new disbursement (Post availment review). Review of drawings without requisite approvals. Monitoring of past due obligations (PDO) accounts and recommendation for sanctioning of erring staff. Follow up with AO/BM to ensure collection of Past due obligation. Attends Doubtful debt recovery committee meeting. (DDRC). Monitoring of stocks under Collateral management. Site visitation in respect of project funded. Collateral verification and Periodic Revaluation – valuation. Compilations of imminent maturity and alerting Relationship managers/Branch managers of expected repayment obligations. Ecobank Nigeria Plc – Domestic Banking Group (SME and Retail Marketing) Worked in a cross-functional team to achieve the One Bank project objective of realizing Ecobank/NURTW Lagos RESPONSIBILITIES Relationship management of Ecobank/NURTW Lagos City Bus Initiative Project (Lagos first BRT initiative). Aggressive marketing of Ecobank Products that are result oriented. Creation of qualitative risk assets for the bank. Preparation of Cable C/A (credit application), via credit structuring/appraisal. Effective Credit administrations so as to ensure that risk assets created are performing Effective relationship management by ensuring that the existing customers are giving the desired attention. This is achieved through regular marketing calls. Liability generation for the bank through aggressive marketing of savings account, demand deposit account and term deposit so as to grow the deposit base of the bank Preparation of call memos, letters and Business proposals to potential customers and preparation of marketing plan. Account management so as to ensure that none of the customer account is overdrawn. ACHIEVEMENTS Team member Ecobank Credit Factory Initiative (To process retail loan from origination to disbursement) Aug 2012. Team member on the establishment of Loan Request Manger (LRM) platform that is dedicated for the uploading of customer’s request for easy access and processing by credit factory (September 2012). Team member Ecobank/NURTW Lagos first BRT initiative (March, 2008). Personal PROFILE Sex: Male Date of Birth: 18th January, 1982 Marital Status: Married Languages: English and Yoruba Nationality: Nigerian State of Origin: Kwara Religion: Christianity Education Dec, 2012 Obafemi Awolowo University, Ile Ife, Osun, Nigeria Master in Business Administration, Accounting and Finance. Dec, 2006 University of Ado-Ekiti, Ado Ekiti, Ekiti, Nigeria B.Sc. (Hons) Economics, Second Class (Upper Division) ADDITIONAL INFORMATION Training Attended: Credit Administration Process Management Course: Lome, Togo How credit report supports strategic debt recovery initiative (The institute of credit administration). Core Credit Risk Management (J. Smith Consult, UK) Ecobank Rules of business ethics and Anti money laundering-(Legal and HR Consult). Quality Customer Service and Selling Skills(Ecobank Nig Plc) Early warning and problem recognition (Vaudrisk, Switzerland). Understanding Banking Business & Products (IBFC Agusto) Basic Credit Analysis (Ecobank Nig Plc) Customer Service (Project UBA Customer) Other Skills: Proficient in the use of all Microsoft Office applications (Excel, Word and Access), Excellent Analytical Skills Sharp And Smart Looking Good Communication Skills Integrity And Transparent Honesty Fast Learning Ability Good Interpersonal Skills Highly Creative REFERENCES Available on Request