Ameen Ajibola
Cybersecurity, Financial Services
Philadelphia,PA
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
12
12
years of professional experience
Work History
TEAM LEAD-BUSINESS BANKING
PRIMERA MICROFINANCE BANK
05.2022 - Current
- Credit Risk assessment and analysis, as well as Credit Underwriting for over 55 SME Clients Monthly.
- Increased Loan Portfolio Size to 6 Billion Naira in few months.
- Researched, identified and covert 500 target business banking relationships in three months.
- Directed and supervised team of 10 Relationship Manager, engaged in 5 Loan Disbursement each monthly. Portfolio at Risk is usually less than 2% monthly.
- Communicated KPIs outlined in annual plan to inform employees of expectations and deliverables.
MEDIUM ENTERPRISE OFFICER
ADDOSSER FINANCE LIMITED
05.2021 - 04.2022
- Loan analysis and presentation for over 50 Clients weekly.
- Risk evaluation of over 50 transactions weekly.
- Loan Portfolio Management of over 500 Million Naira in size.
- Loan Disbursement; LPO financing, SME Lending, Corporate and Commercial Lease, Financial Advisory, Asset Financing and Invoice discounting for over 10 Clients Monthly.
- Used critical thinking to break down problems, evaluate solutions and make informed decisions.
CREDIT RISK ANALYST/ SME PORTFOLIO MANAGER
AB MICROFINANCE BANK
01.2020 - 05.2021
- Screened over 100 prospective SME applications weekly.
- Prepared over 10 Business Risk analysis and loan proposals for approval weekly
- Collateral evaluation of over 10 Business Clients.
- Effective Loan repayment follow-up and recovery for about 100 Business Loan Clients.
- Complied with bank’s credit policy, procedure and regulation for over 100 Clients.
- Maintained good relationship with over 100 clients and ensured high rate of client retention.
- Optimized credit approval and collection processes, improving operational efficiencies by over 95%
CREDIT RISK ANALYST/ HOUSING (MORTGAGE)
AB MICROFINANCE BANK
01.2018 - 12.2019
- Screened prospective Housing (Mortgage) applications, Business Risk analysis and loan proposals for approval, Collateral evaluation, effective Loan Repayment follow-up and recovery for over 200 Clients.
- Analyzed over 300 applicants' financial status and credit and property evaluations to determine loan feasibility in one month.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements for over 300 applicants and to establish credit limits for new accounts
- Reviewed and verified income, credit reports and employment histories for over 300 borrowers.
- Used Excel Loan Analysis to perform credit appraisals, document verification and loan approvals
CREDIT RISK ANALYST/ MICRO PORTFOLIO MANAGER
AB MICROFINANCE BANK
07.2014 - 12.2017
- Screening of prospective Micro applications, business risk analysis and loan proposals for approval, Collateral evaluation, effective Loan repayment follow-up and recovery etc.
- Optimized credit approval and collection processes, improving operational efficiencies by over 95%.
OPTICAL SALES EXECUTIVE
METRO EYES NIGERIA LIMITED
03.2013 - 06.2014
- Tendered to over 100 walk-in Patients daily.
- Sales and marketing of Company’s products and services.
- Managed time efficiently in order to complete all tasks within deadlines
- Identified issues, analyzed information and provided solutions to problems
Production Assistant
DAAR Communications Limited
02.2012 - 02.2013
- Assisted with over 20 programs aired daily.
- Deliberated and Choose suitable topics for each episode too.
- Prepared end-credit and helped monitored entire Production Crew.
- Collaborated with production team to facilitate smooth operations, avoiding disruptions and delays
- Supported production needs by performing routine tasks using standard procedures and equipment
- Stayed alert, active, and ready to respond to any request at any time using variety of available resources
- Supported current production needs by moving items between equipment, conveyors, and staging areas
- Delivered newsworthy stories on air using perfect pronunciation and inflection.
Education
Online - Sales Management-Business Ethics And Sales Revised
Alison
Galway, Ireland01.2023
Online - Fundamentals of Credit Management
Alison
Galway, Ireland01.2023
Online - CoronaVirus Covid-19
Access Holdings Microfinance AG
Berlin, Germany08.2020
Online - Anti-Money Laundering
Access Holding Microfinance AG
Berlin, Germany08.2020
Online - Information Security; Passwords, Phishing Etc
Access Holding Microfinance AG
Berlin, Germany02.2020
Online - Environmental And Social Management Fundamentals
Access Holdings Microfinance AG
Berlin, Germany03.2019
Online - Information Security Nigeria
Access Holdings Microfinance AG
Berlin, Germany05.2018
Bachelor of Science - Cooperative and Business Management
Olabisi Onabanjo University
Ogun, Nigeria04.2009
WASSCE -
Anwar-ul Islam Girls’ High School
Lagos, Nigeria08.2001
Skills
- AREAS OF EXPERTISE AND COMPETENCIES
- Risk Evaluation
- Risk Management
- Analytical Skills
- Credit Analysis
- Credit Approval
- Credit Underwriting
- Microsoft Skills
- Loan Monitoring
- Risk Reporting
- Communication Skills
- Portfolio Management
- Product Development
- Training and Development
- Relationship Management
- Ghost Writing
Affiliations
I have a proven ability to identify and analyse financial risks, while also proposing realistic solutions that will minimize them. I can make real-time decisions in high-pressure environments and resolve issues in a way that propels innovation and growth.
Timeline
TEAM LEAD-BUSINESS BANKING
PRIMERA MICROFINANCE BANK
05.2022 - Current
MEDIUM ENTERPRISE OFFICER
ADDOSSER FINANCE LIMITED
05.2021 - 04.2022
CREDIT RISK ANALYST/ SME PORTFOLIO MANAGER
AB MICROFINANCE BANK
01.2020 - 05.2021
CREDIT RISK ANALYST/ HOUSING (MORTGAGE)
AB MICROFINANCE BANK
01.2018 - 12.2019
CREDIT RISK ANALYST/ MICRO PORTFOLIO MANAGER
AB MICROFINANCE BANK
07.2014 - 12.2017
OPTICAL SALES EXECUTIVE
METRO EYES NIGERIA LIMITED
03.2013 - 06.2014
Production Assistant
DAAR Communications Limited
02.2012 - 02.2013
Online - Sales Management-Business Ethics And Sales Revised
Alison
Online - Fundamentals of Credit Management
Alison
Online - CoronaVirus Covid-19
Access Holdings Microfinance AG
Online - Anti-Money Laundering
Access Holding Microfinance AG
Online - Information Security; Passwords, Phishing Etc
Access Holding Microfinance AG
Online - Environmental And Social Management Fundamentals
Access Holdings Microfinance AG
Online - Information Security Nigeria
Access Holdings Microfinance AG
Bachelor of Science - Cooperative and Business Management
Olabisi Onabanjo University
WASSCE -
Anwar-ul Islam Girls’ High School
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