Hi, I’m
OMELE MUSA UYOLA
Credit Operation & Compliance
Lagos,Lagos
Summary
Administrative Assistant: Organized and efficient Administrative Assistant with 6 years of experience providing top-tier administrative support. Skilled in managing schedules, handling correspondence, documentations, filing, archive and ensuring smooth day-to-day office operations.
Credit Operations Analyst: Analytical and detail-driven Credit Operations Analyst with 4 years of experience in credit analysis and evaluation, Credit disbursement, review and documentation, risk analysis, and financial reporting. Adept at streamlining processes to improve accuracy in credit operations and ensure regulatory compliance.
Health Care Assistant: Compassionate and dedicated Health Care Assistant with two years of experience providing high-quality personal care and support to patients in healthcare settings. Skilled in assisting with daily living activities, monitoring vital signs, and maintaining patient dignity and comfort. Adept at working collaboratively with healthcare teams, ensuring the well-being and safety of patients through effective communication, attention to detail, and adherence to care plans with a commitment to delivering empathetic, patient-centered care in fast-paced environments.
Overview
14
years of professional experience
8
years of post-secondary education
10
Certifications
Work History
Sterling Bank Nigeria Limited
Credit Risk Operation
10.2021 - 01.2025
Job overview
- Manage credit risk operations, ensuring that all lending activities comply with internal policies and external regulations
- Documentation review and disbursement
- Collaborate with various departments to ensure sound risk management practices and adherence to financial controls
- Develop and maintain risk reporting tools to support enterprise risk management processes
- Documentation, E-filling and control
- Led compliance efforts within the credit risk department, ensuring conformity with regulatory requirements
- Collation, process and reporting departmental monthly work done report
- Managed risk reviews, ensuring that all credit documentation was complete and compliant with bank and regulatory standards
- Worked closely with teams to streamline credit processing and enhance efficiency
- Monitoring of credit limits and exposures
- Alert superiors of debtors unwilling or unable to pay when necessary
- Tracking borrowing accounts to ensure that facilities run in line with approved limits, pricing, turnover covenant, clean-up cycle, expiration etc
- Enhanced portfolio performance with diligent monitoring and proactive risk mitigation measures.
- Collaborated with cross-functional teams to ensure alignment of risk management policies and procedures.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Negotiated with delinquent borrowers to reach mutually beneficial repayment arrangements, minimizing losses and maintaining positive customer relationships.
- Optimized credit approval and collection processes, improving operational efficiencies.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Influenced changes in lending practices by staying abreast of regulatory requirements and best practices within the industry.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Adhered to banking standards and government lending guidelines for loan services.
- Recommended approval or disapproval of commercial, health, education, consumer or credit loans.
- Conducted in-depth financial analysis to evaluate corporate and individual borrowers'' creditworthiness.
- Used IMAL, T24, Seabass, Katle lending, Flexcube, RCP and SharePoint software to perform credit review, e-filling, loan monitoring and disbursement.
- Championed a culture of risk awareness within the organization by sharing insights and fostering open communication between departments.
- Managed relationships with external partners such as CBN consumer bank protection team, CBN auditors, ensuring transparent communication regarding credit disbursement and compliance levels.
- Led training sessions for junior analysts to enhance their understanding of credit risk principles and analytical techniques.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Maintained compliance with applicable regulations and laws governing consumer credit.
Ecobank Nigeria Limited
Credit Risk & Compliance Officer
01.2017 - 01.2021
Job overview
- Evaluating clients' credit data and financial statements in order to determine the degree of risk involved in lending money to them
- Alert superiors of debtors unwilling or unable to pay when necessary
- Tracking borrowing accounts to ensure that facilities run in line with approved limits, pricing, turnover covenant, clean-up cycle, expiration etc
- Investigate and resolve discrepancies of rate, tenure, appraisal fee, and booking error
- E-filling & archiving
- Control the numbering, sorting, filing, storing and retrieval of both electronic and hard copy documents produced by technical teams, auditor, CBN team or investigative departments
- Evaluated and monitored credit disbursement and partner relationships manager and retails analyst to support compliance.
- Assisted with internal and external audits to confirm compliance with applicable policies and regulations.
- Assessed approval conditions related to the disburse facility charges, fees, and amount approved
- Collected detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
- Took notes on field examinations and specific case details, updated databases and produced reports outlining results of investigations.
- Kept informed regarding pending industry changes, trends or best practices.
- Conducted periodic compliance audits and reviews to identify areas of improvement.
- Maintained up-to-date knowledge of applicable laws and regulations.
- Leveraged technology solutions such as Kastle lending and fexcube for efficient tracking, monitoring and reporting of compliance-related activities
- Reduced legal risks, conducting callower, regular compliance audits and ensuring all policies, laws and regulations.
Ecobank Nigeria Limited
Administrative Assistant & Documentation Officer
08.2015 - 01.2017
Job overview
- Organize a filing system for important and confidential company documents
- Managing office supplies stock and placing orders
- Update and maintain office policies and database
- Distribute and store correspondence (e.g
- Managed phone and email correspondence and handled incoming and outgoing mail and faxes.
- Maintaining general office files, including job files, vendor files, and other files related to the company's operations
- Confirmation and verification of seconded staff school certificate from various institutions
- Data entry, Drafting and editing memo
- Improved document organization with thorough file maintenance, archiving outdated records as necessary for efficient retrieval when needed.
- Maintained confidentiality of sensitive information by adhering to strict privacy policies and implementing secure filing systems.
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Delivered excellent customer service through prompt responses to branches inquiries, addressing concerns effectively, and building strong relationships.
- Ensured accurate record-keeping with diligent data entry and database management for vital company information.
- Supported executive staff through scheduling meetings, coordinating travel arrangements, and preparing crucial documents.
- Developed filing system for historical documents, preserving important company records and improving access to information.
- Assisted coworkers and staff members with special tasks on daily basis.
- Managed paper and electronic filing systems by routing various documents and managing incoming and outgoing mail.
Oceanic Security Int'l
Store & Admin Officer
01.2011 - 01.2013
Job overview
- Tracking of vehicle delivering items to branches bank wide
- Oversee the daily operations of the store, ensuring efficient stock management
- Maintain accurate inventory records and update stock levels accordingly
- Conduct regular stock audits and reconcile discrepancies
- Coordinate with procurement to ensure timely restocking of supplies
- Ensure proper storage and handling of store items to prevent damage or loss
- Manage office supplies and coordinate procurement processes
- Maintain organized records of store transactions and administrative activities
- Assist in preparing reports on stock movements, usage, and purchases
- Handle documentation, filing, and data entry tasks
- Ensure proper safety measures and cleanliness of the store premise
Education
University of EscaeBenin, Republic
Bachelor of Science from Business Administration And Management
04.2021 - 12.2021
Lagos State PolytechnicLagos
Higher National Diploma from Business Administration and Management
04.2015 - 12.2018
Lagos State Polytechnic
National Diploma
01.2009 - 12.2012
Skills
Collateral risk
Loan recommendations
Financial statement review
Delinquency monitoring
Credit reporting
Loan documentation
Microsoft Excel proficiency
Cash flow analysis
Credit analysis
High risk account reviews
Credit monitoring and reporting
Loan documentation and policies
Time management
Decision-making
Microsoft Office Suite
Certification
Florintech Computer Institute, Data Processing, Lagos, 01/2007
Professional Summary
Organized and efficient Administrative Assistant with 6 years of experience providing top-tier administrative support. Skilled in managing schedules, handling correspondence, documentations, filing, archive and ensuring smooth day-to-day office operations., Analytical and detail-driven Credit Operations Analyst with 4 years of experience in credit analysis and evaluation, Credit disbursement, review and documentation, risk analysis, and financial reporting. Adept at streamlining processes to improve accuracy in credit operations and ensure regulatory compliance., Compassionate and dedicated Health Care Assistant with two years of experience providing high-quality personal care and support to patients in healthcare settings. Skilled in assisting with daily living activities, monitoring vital signs, and maintaining patient dignity and comfort. Adept at working collaboratively with healthcare teams, ensuring the well-being and safety of patients through effective communication, attention to detail, and adherence to care plans with a commitment to delivering empathetic, patient-centered care in fast-paced environments.
Timeline
Credit Risk Operation
Sterling Bank Nigeria Limited
10.2021 - 01.2025
University of Escae
Bachelor of Science from Business Administration And Management
04.2021 - 12.2021
Credit Risk & Compliance Officer
Ecobank Nigeria Limited
01.2017 - 01.2021
Administrative Assistant & Documentation Officer
Ecobank Nigeria Limited
08.2015 - 01.2017
Lagos State Polytechnic
Higher National Diploma from Business Administration and Management
04.2015 - 12.2018
Store & Admin Officer
Oceanic Security Int'l
01.2011 - 01.2013
Lagos State Polytechnic
National Diploma
01.2009 - 12.2012