Yakaa Isaac Terzulum

YAKAA ISAAC TERZULUM Address : Martins bus stop ,begger Lagos State. Mobile :-. Email:- linkedin.com/in/yakaa-isaac-bsc-niminv-mcilrm-midr-9a- OBJECTIVE I am an enthusiastic graduate of Sociology from the prestigious Benue State University, Makurdi, with proven organizational skills and leadership ability. An organized, focused, self-motivated, innovative and creative individual, who is open to learning and has good communication, interpersonal and public relation skills, coupled with the exceptional ability to work under little or no super vision and is result oriented. I seek a level entry job in a well-structured and goal-driven organization like yours, where I can apply my exceptional skills, as well as the knowledge acquired through my Bachelor’s Degree in Sociology, so as to impact on the vision and corporate objectives of your organization and thereby establish a career for myself. PERSONALDATA Nationality : Nigerian State of Origin : Benue Sex : Male Marital Status : Married Religion: Christianity EDUCATION Benue State University. - ❖ B.Sc. Sociology Government Secondary School, Uke Nassarawa State. - ❖ Senior School Certificate Exam(SSCE) Islamic Nursery and Primary School Gboko Benue State- ❖ Primary school leaving certificate CORE STRENGTHS ❖ Ability to work individually and as an effective member of a team to set and meet the target of the company. ❖ Versatile in any area of my field of knowledge. ❖ Dynamic and solution driven. ❖ Computer Literate PROFESSIONAL COURSE AND CERTIFICATION ❖ ❖ ❖ ❖ National youth service corps (NYSC) Nigerian Institute of Management (NIM) in view. Chartered Institute Of Loan and Risk Management (CILRM) International Certified Risk Management Professionals, United Kingdom ❖ ❖ ❖ ❖ Institute Of Debt Recovery Practitioners Of Nigeria (IDRPN) Business Leadership Skills Development, (Learn Africa). Glaze Credit Limited Most Friendly Staff 2022 Glaze Credit Limited Most Compliant Staff 2023 WORK EXPERIENCE Glaze Credit Limited Ikeja Lagos November 2023 till date Position: Chief Operating Officer(COO) Responsibilities: ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ Develop business development plan Strategy formulation & Financial planning in conjunction with the MD. Develop Products required to increase market share and retain existing market position. Implementation of the institution's short-, medium-, and long-term goals and objectives. Coordination of business development activities to achieve organizational goals including deposit, mobilization, growth of quality risk assets and income generation. Goals setting and development of appropriate performance benchmark/appraisals for all categories of staff. Continuous review of institution's operations and information technology strategy for efficiency and effectiveness. Provision of timely, useful and accurate information to the Managing Director. Monitor and ensure compliance with all statutory regulations and guidelines. Monitor the company's tax fillings to avert exposure to risk of fines and penalties. Monitor and ensure compliance with company's financial and credit policies, standards, rules, & regulations. Assets and liability management. Stakeholders’ engagement. Build a solid human resources base and institute appropriate mentoring programs/succession plans in the organization. General supervision of marketing staff. Training and staff development. Carry out monitoring and general administration. Leadership and team management. Ensure clients management relationship. Review the collection strategy and ensure delinquency rates are within target. Oversee support units across the branches to ensure the organization has all required resources. Ensure capital is deployed profitably and prudently within established limits and defined policies. GLAZE CREDIT LIMITED IKEJA LAGOS 2020-November 2023 Position 2 : Head, Enterprise Risk Analysis/Recovery Responsibilities: ❖ Manages all company’s debt portfolio ❖ Risk Identification ❖ Risk Appetite and Tolerance, helps the organization define how much risk it is willing to take in pursuit of its objectives. ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ Keep track record of customers debts outstanding Risk Governance and Compliance, to ensures that organization adheres to relevant regulations and industry standards to avoid legal penalties or operational disruptions. Put in measures on ground to reduce high risk. Crisis Management and Business Continuity Contact guarantors and intimate on obligation Update account status and data base regularly Comply with requirements when legal action is unavoidable Handle customers' questions or complaints Negotiate payoff deadlines and payment plans Build trust with debtors Identify gaps in the system and recommend solutions Negotiate and reschedule customers outstanding for ease of payment Formulate plan of detail actions of written off loans from previous and current years Coordinate with loan officers and identify default customers Set out recovery plan with loan Officers to visit default customers Work closely with the COO and loan officers to execute recovery techniques and strategies Work closely with the COO and the Credit unit to improve quality loan portfolio Monitor loan portfolio to avoid deficiency Coordinate recovery operation as planed Position1: Head of sales. 2019 to 2020 Responsibilities: ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ Meet with loan applications to identify their needs and collect information for loan applications. Analyze active loan files on and regularized basis and recommend solutions to speed up the loan process Complete loan contract and teach clients on policies and regulations Interview applicant to define financial eligibility and establish debt payment plans. Monitor and update account records. Submit loan application in timely manner. Prepare detail loan proposal Reject loan applications and explain deficiencies to application. Respond to applicants’ questions and resolve any loan-related issues Operate incompliance with company’s policies. SUISSE CREDIT AND INVESTMENT LIMITED V.I, LAGOS 2018 Position: Direct Sales Executive Responsibilities: ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ Meet with loan applicants to identify their needs and collect information for loan applications. Compile applicant request form for processing Analyze active loan files on a regular basis and recommend solutions to speed up the loan process. Complete loan contracts and teach clients on policies and regulations. Interviewapplicantstodefinefinancialeligibilityandestablishdebtpaymentplans. Monitor and update account records. Submit loan applications in a timely manner. Prepare detailed loan proposals. Reject loan applications and explain deficiencies to applicants. Respond to applicants' questions and resolve any loan-related issues. Operate in compliance with company’s’ policies APEL CAPITAL AND TRUST LIMITED. 2018 Position 2 : Consumer Loan Responsibilities: ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖ Meet with loan applicants to identify their needs and collect information for loan applications. Analyzeactiveloanfilesonaregularbasisandrecommendsolutionstospeeduptheloanprocess. Complete loan contracts and teach clients on policies and regulations. Interviewapplicantstodefinefinancialeligibilityandestablishdebtpaymentplans. Monitor and update account records. Submit loan applications in a timely manner. Prepare detailed loan proposals. Reject loan applications and explain deficiencies to applicants. Respond to applicants' questions and resolve any loan-related issues. Operate in compliance with company’s ‘policies Position1: Investment Officer Responsibilities: ❖ Introduce and converse customer to savings ❖ ❖ ❖ Open savings account for customer Explain benefit plan to customer Process customers benefit on maturity Ministry of Education Alausa, Lagos (NYSC) 2016 Position : Consultant Service Delivery Unit Responsibilities: ❖ Greetings and directing visitors, answering phone calls inquiries and handling complaints ❖ Ensure supplies of office equipment’s ❖ Delivers report and files to departments and office tables ❖ Ensure the confidentiality and security of files and filing systems ❖ Operate copy equipment and other equipment INTEREST Reading, Researching and Football. REFEREES Available on request.