Oluwaseyi Adebayo

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.

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.

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.

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.