Adebunmi Akanji
Lewisville,Texas
Summary
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Knowledgeable financial professional experienced in assessing credit viability for personal and business borrowers. Good organizational and critical thinking skills. Offering 8 years of related experience. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
8
8
years of professional experience
Work History
Relationship Manager/Credit Officer
First Bank Of Nigeria
Ibadan , Oyo
09.2008 - 10.2014
- OlRecommended approval or disapproval of commercial, real estate or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Used and Software to perform credit appraisals, document verification and loan approvals.
- Used Finacle and finnone to perform credit appraisals, document verification and loan approvals.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Adhered to banking standards and government lending guidelines for loan services.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Checked appraisals, title information and insurance documents for each property.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Monitored accounts for signs of fraud and non-payment issues.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Worked with clients to define and implement terms for approved credit requests.
- Kept records of customers' charges and payments.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Referred delinquent accounts to collections department or outside resources.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
Customer Service Specialist
First Bank Of Nigeria
Ibadan , Oyo
01.2007 - 09.2009
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.
- Provided primary customer support to internal and external customers.
- Resolved concerns with products or services to help with retention and drive sales.
- Achieved high satisfaction rating through proactive one-call resolutions of customer issues.
- Complied with company policies and procedures by encouraging positive and effective work environment among employees.
- Maintained and managed customer files and databases.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Responded to customer requests for products, services, and company information.
- Updated account information to maintain customer records.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Handled customer inquiries and suggestions courteously and professionally.
Teller
First Bank Of Nigeria
Ibadan , Oyo
08.2006 - 01.2007
- Educated customers on use of banking website and mobile apps.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Followed up on customer complaints and provided solutions to enhance customer satisfaction.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Handled various accounting transactions.
Education
Master Of Business Administration - Business Administration
Ladoke Akintola University
Nigeria06.2013
B.Tech - Animal Production And Health
Ladoke Akintola University
Nigeria 08.2004
Skills
- Customer Relationship Management
- Customer Transactions
- Document Evaluation
- Property Evaluation
- Banking Standards
- Quality Control
- Loan Recommendations
- Customer Acquisition
- Delinquency Monitoring
- Financial Data Analyzation
- Credit Assessments
- Credit Validations
- Critical Thinking
- Creditworthiness Determination
- Loan Request Evaluation
- Authorizations Knowledge
- Request Approval
- Collateral Risk Management
- Money Handling
- Background Investigations
- Account Assessment
- Credit Application Processing
- Fraud Knowledge
Timeline
Relationship Manager/Credit Officer
First Bank Of Nigeria
09.2008 - 10.2014
Customer Service Specialist
First Bank Of Nigeria
01.2007 - 09.2009
Teller
First Bank Of Nigeria
08.2006 - 01.2007
Master Of Business Administration - Business Administration
Ladoke Akintola University
B.Tech - Animal Production And Health
Ladoke Akintola University
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