Chidi Obiukwu

Experience

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  State Hospital,Ogbomoso,Oyo State,Nigeria.

  Feb 2012 - Feb 2013

  Administrative Assistant(NYSC)

  Assisting the hospital chief accountant in preparing staff salary accounts using MS Excel.Handling staff complaints and requests,and ensuring that they are promptly and effectively responded to.

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  AB Microfinance Bank Nigeria Limited

  Aug 2013 - Jul 2016

  Loan Officer/Credit Analyst

  I am responsible for marketing credit facilities as well as assessing interested businesses financially and analytically,so as to have a clear picture of the present state of such businesses.I identify risks associated with the businesses and provide mitigation to such risks.I also follow up on such clients so as to ensure that they fullfill their obligation to the bank without default.I manage clients account with the bank and ensure that their needs are met and their complaints and request are promptly and effectively handled. Show less

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  Renmoney

  Jul 2016 - Feb 2017

  Senior credit sales executive/analyst

  I sort for new clients interested in accessing loan facilities. This includes both business owners and salary earners.I collect and analyze client's documents to verify authenticity.I calculate client's DTI(Debt To Income Ratio), DSR(Debt Service Ratio), monthly cash flow, and other ratios.I also identify credit risks and provide mitigations.

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  Self-employed

  Mar 2017 - Sept 2020

  Sales Consultant
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  Miniso Nigeria

  Aug 2017 - Jun 2018

  I am responsible for managing inventory, conducting sales analysis, developing sales strategies, floor staff supervision, training and performance evaluation, daily sales and inventory reporting, loss and damage control,e.t.c

  • Shift Manager/Store Supervisor

    Jan 2018 - Jun 2018

  • Sales Consultant

    Aug 2017 - Jan 2018
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  Addosser MFB

  Jul 2018 - Sept 2020

  Senior Credit Relationship Manager/Analyst
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  Letshego

  Sept 2020 - Oct 2021

  Credit Officer/Analyst

  Credit Risk Analysis: I identify risks associated with a loan transaction and recommend adequate mitigation to such risks. I check client's credit history using credit search engines like First Central and CRC. I propose loan approval or rejection based on my findings and analysis. I analyse clients' income and expenditure both for business owners and salary earners in private and public sector. I am also very experienced in analysing bank account statements.Business Analysis: I conduct analysis on clients' businesses, generating the Net profit, Equity, Payment capacity, Debt Service Ratio(D.S.R.), Liquidity ratio, Debt to Equity ratio, and other relevant ratios.Portfolio and Relationship Management: I build and maintain a portfolio of clients, thereby increasing the company's client base and enhancing financial inclusion.Loan Monitoring and Recovery: I monitor clients' businesses to ensure that the investment plan is fulfilled by the clients. I ensure that clients are reminded of their loan repayment before the due date and follow up to ensure up to date repayment. I ensure loan recovery up to legal procedure and confiscation of collateral items.I analyze and manage PAR(Portfolio At Risk) to ensure that it is within the required threshold. Show less

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  Lendigo

  Nov 2021 - Dec 2022

  Business verification/Credit risk and recovery officer

  LENDIGO/SEEDSTARS GROUP FUNCTIONS: Loan Monitoring to reduce risk of default Verify Business ownership and conduct KYC Credit AnalysisRisk assessment Maintain portfolio quality Recommend loan approval or rejection Credit policy formulation and implementation Ensure prompt loan repaymentRecovery of bad loansFinancial statement analysisPrepare credit reports

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  RealtyPro Investment Global Limited

  Jan 2023 - now

  Credit and Properties consultant