Financial Analyst

To acquire knowledge and skills in financial management and become consultant and financial adviser to high net worth individual, corporate bodies and government.

Diamond Bank Plc; From Oct 2004 till Date (May,2009):
Job Description – (Credit Analyst) July, 2007 till date.
1 Review and appraise credit facility request in line with laid down procedures and make recommendations as appropriate for Management Credit Committee (MCC) consideration.
2 Carry out financial analysis of complex facility request using credit skills; ratio analysis; balance sheet and cash flow analysis and projections
3 Identify, understand and evaluate inherent credit, financial and business risk in credit proposals and ensure that adequate and effective mitigants are proffered
4 Review the strength of collateral offered as security, its adequacy and status as a second way out in default scenario.
5 Review proposals and ensure it is properly packaged and the request is not in contravention with management policy, CBN policy, and any other regulations
6 Ensure that all credit requests approved or recommend satisfy the objectives of profitability and safety.

Operations & Technology Unit: Nov. 2004 - June, 2007

Job Descriptions – (Teller Service Representative, Clearing Representative, Funds Transfer Services Officer & Cash and Teller Services Representative)

1 Carry out account to account transfers, telegraphic transfers and issuance of manager’s cheques.
2 Maintenance of standing instructions, booking of fixed deposits, COT concession rates, valucard load and unload.
3 Conduct weekly sweeps on duty payment account, NITEL and valucard suspense account as well as custom duty receipt account.
4 Preparation and collation of other banks cheques to clearing.
5 Processing and payment of Western Union money Transfers.
6 Processing of Form M, prepaid expenses and expenses tickets.
7 Daily reconciliation of IDS, CASA as well as other general ledger accounts.
8 Processing of salary payments into customer’s accounts.
9 Ensuring daily vault opening on time and ensuring that daily vault cash limit is not exceeded.
10 Managing the cash and teller area.
11 Authorizing transactions posted by cash and teller representatives.
12 Troubleshooting and reconciliation.

University of Ilorin (MBA) 2006
Ahmadu Bello University, Zaria (B.Sc) 1999-2002

Masters in Business Administration (MBA) 2006
Bachelor of Science in Economics (Second class upper division) 2002.