Oluwaseyi Adebayo
Financial Professional | Credit Risk & Portfolio Management Specialist
Kuje, NG.About
Highly analytical and detail-oriented financial professional with 5 years of progressive experience in banking and microfinance, specializing in credit risk assessment, consumer lending, and portfolio management. Proven expertise in leveraging data analysis and reporting to evaluate loan applications, ensure regulatory compliance, and consistently maintain low delinquency rates. Adept at driving sound financial decisions and implementing risk mitigation strategies to optimize portfolio health and support business growth.
Work
Mutual Trust Microfinance Bank
|Consumer Banking Officer
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Summary
Leads first-level risk assessments and strategic initiatives to drive quality asset growth and mitigate delinquency for a microfinance institution.
Highlights
Conducted first-level risk assessments on all loan applications, ensuring strict compliance with internal credit policies and minimizing risk exposure.
Analyzed complex financial statements and creditworthiness, providing data-driven insights to support robust lending decisions and portfolio integrity.
Identified and penetrated new market segments for SME and Payroll lending, significantly contributing to quality risk asset creation.
Monitored loan repayment performance proactively, implementing strategies that mitigated delinquency risks and maintained portfolio health.
Performed thorough stock and business valuations, alongside collateral evaluation and verification, to inform secure lending practices.
G And M Microfinance Bank
|Branch Operational Manager
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Summary
Managed comprehensive branch operations, including financial inclusion initiatives, loan portfolio management, and performance reporting, to drive efficiency and growth.
Highlights
Pioneered the establishment and successful launch of 2 new branch locations, expanding market reach and operational footprint.
Maintained a consistently low Portfolio at Risk (PAR) below 2%, demonstrating effective risk management and robust portfolio health.
Supervised and appraised performance for a team of subordinates, optimizing work schedules and processes to enhance productivity and service delivery.
Managed diverse product portfolios, including Basic Saving Deposit, Small Business Loan, and Resource Loan, optimizing branch loan portfolio and deposit tracking via INSTAFIN.
Prepared weekly MIS reports, providing critical feedback to top management on business operations, sales, and deposit performance to inform strategic decisions.
G And M Microfinance Bank
|Credit Officer
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Summary
Executed first-level customer and risk analysis, managed Joint Liability Group (JLG) accounts, and drove collection efforts to achieve sales targets and maintain customer relationships.
Highlights
Conducted comprehensive first-level customer and risk analysis for numerous accounts, informing sound lending decisions and mitigating potential losses.
Managed the end-to-end lifecycle of Joint Liability Group (JLG) accounts, from sourcing and disbursement to collection, ensuring portfolio growth and stability.
Achieved monthly targets consistently and maintained a balanced and clean account portfolio, contributing to overall branch performance and financial integrity.
Managed weekly and monthly installment collections, achieving high repayment rates and optimizing cash flow for the branch.
Trained and mentored customers on business development and financial management, fostering long-term relationships and promoting financial literacy.
S A Adewole Communication
|Customer Relation Officer
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Summary
Managed customer complaints and inquiries, providing timely and effective solutions to enhance satisfaction and maintain positive interactions.
Highlights
Resolved customer complaints efficiently, providing appropriate solutions and alternatives within established time limits to enhance customer satisfaction.
Maintained meticulous records of all customer interactions, contributing to a comprehensive database for continuous service improvement and trend analysis.
Education
Osun State University
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BSc
Economics
Grade: Second Class Upper
Community Secondary School, Oke-Olola
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SSCE
Secondary Education
Languages
English
Certificates
AICB (Chartered Institute of Bankers of Nigeria)
Issued By
Chartered Institute of Bankers of Nigeria
Google Data Analytics Course
Issued By
Bachelor of Copywriting (BOC)
Issued By
Unknown
Skills
Financial Analysis & Management
Credit Risk Assessment, Loan Evaluation, Financial Analysis, Portfolio Management, Financial Inclusion Initiatives, KPI Tracking, MIS Reporting, Business Valuation, Collateral Evaluation.
Operations & Compliance
Branch Operations Management, Regulatory Compliance, Internal Credit Policies, Process Optimization, Risk Mitigation, AP Process Monitoring.
Data & Reporting
Data Analysis, Data Reporting, Interactive Dashboard Design, Advanced Data Calculation.
Sales & Customer Relations
Sales, Customer Service, Customer Relationship Management, Market Identification, Business Development, Client Support, Customer Training.
Leadership & Teamwork
Team Building, Supervision, Performance Appraisal, Cross-functional Collaboration, Strategic Planning.
Core Banking Products
Basic Saving Deposit, Small Business Loan (SBL), Resource Loan (RL), JLG Accounts, INSTAFIN.