Esther Adegbile

Experience

• 

  International School, University of Lagos

  Sept 2009 - Dec 2009

  Accounting Intern

  • Managed key accounts, including cash book and ledger communications.• Maintained accurate records and financial documentation.

• 

  National Youth Service Corps

  May 2015 - Apr 2016

  Financial Analyst

  Analyzed the group’s (Sustainable Development Goals- SDG) financial data, in line with its goals and financial standingAnalyzed actual and budgeted results, identify the gaps, and give a detailed reportSupported the team in budgeting and suggested improvements based on the analytical information.Evaluated the capital and revenue budgets and expenditures and analyzed the cash flow position of the group.

• 

  Financial Derivatives Company Limited (FDC)

  Jan 2018 - now

  • Assess and approve business credit applications within personal delegated credit authority.• Conduct portfolio management, ensuring risk exposure aligns with company standards.• Monitor loan progress, early warning indicators, and regulatory compliance.• Lead credit risk reviews, stress testing, and risk appetite analysis.• Implement credit policies, reducing non-performing loans by 75%.• Maintain strong relationships with regulators, auditors, and senior stakeholders.• Conduct regular customer visits to evaluate financial conditions and risk exposure Show less Manage portfolio of both individual and private clients with credit lines between N1.5M and N2BNPrepare annual and semi-annual reports for management, justifying credit lines exceeding N312MAchieve a 70% client retention through a proper and effective management of customers’ credit linesResponsible for collection of receivables and account reconciliation with active and delinquent customers hence, reduced collection period from minimum of 5 days to minimum of 2 daysReduced clients’ complaints by 50% through quick response to their needs and inquiries Analyze severity of past due accounts and take precautions to prevent future credit lossesMonitor borrowing trends, payments, and credit exposure on a daily and weekly basis Show less

  • Credit/Finance Manager

    Aug 2024 - now

  • Credit/Finance Associate

    Dec 2019 - Jul 2024

  • Senior Credit Analyst

    Jan 2018 - Nov 2019