Experience

• 

  Access Bank Plc

  • Nigeria
  • Banking
  • 700 & Above Employee

  • Regional Director-Retail Banking North Central

    • Jan 2023 - Present

    • Responsible for the bank's Retail Banking business growth strategy- including SME banking, Mass market, Mass Affluent, Consumer banking, emerging corporates, and HNIs in North Central Nigeria• Drives deposit liability , Risk Assets, digital channels, payments and collections and overall profitability budget of directorate.• Facilitates commercial transactions and cross-border payments for MSMEs and Emerging Corporates.• Coaches and mentors Retail Banking workforce in the directorate including identifying their development need and supporting their career growth. • Coordinates market development initiates, street mapping, customer segmentation, etc. as the Chief Customer Relationship Developer and Manager of the directorate.• Member Enterprise-wide Risk Management Committee, Group Assets and Liability Committee, Retail Banking Divisional Exco, and other Executive Committees of the bank.• Represent the bank in high-level public and government interactions in the directorate, including MSME development and Financial Inclusion partnership with governmental agencies.

  • Group Head Business Banking

    • Jan 2022 - Dec 2022

    Led the team of Access Bank Business Bankers in Abuja to provide topnotch financial services to Established and Emerging businesses including SMEs and Commercial Corporates, growing their value and supporting them to contribute to national economic growth and stability.Drove and facilitated trade transactions and cross-border payments for small and medium-sized firms, including traders and micro industries.Turned around the Group's performance and achieved profitability of over N280m within 10 months after three years of loss making prior to my taking over as the group head.

• 

  Stanbic IBTC

  • Nigeria
  • Financial Services
  • 700 & Above Employee

  • Head Commercial Banking, North Central 2

    • Aug 2021 - Dec 2021

    • Headed Commercial Banking expansion after Abuja was carved out of North Central Directorate.• Developed and managed important North Central commercial banking customers in petroleum downstream, real estate, construction, agribusiness, and procurement services.• Drove deposit, risk asset, and profitability budgets and achieved same for commercial banking North central zone.• Coaches, mentors, and motivates workers to achieve corporate goals while realizing their personal growth aspirations.• Design the business development and growth plan including risk appetite review for the prominent business segments in the north central zone.

  • Regional Manager

    • Jan 2017 - Jul 2021

    • Supervised 10 branches in Abuja FCT and some parts of Niger State with responsibility for their business growth, profitability, people and material resource optimization.• Drove the achievement of deposit, risk assets and budgets via strategic business divisions with teams in all the branches under my supervision.• Saw to the re-organization of the Region, people coaching and mentoring, ensuring we have motivated workforce which translated into 90% of the branches in the region becoming profitable as against 50% prior to my takeover as Regional Manager.• Conducted market scanning and intelligence; identified opportunities and guided the teams to exploring them for business growth.

• 

  Fidelity Bank PLC

  • Nigeria
  • Financial Services
  • 700 & Above Employee

  • Area Manager

    • Mar 2014 - Dec 2016

    • I was responsible for the general management, coordination, and supervision of 7 branches from where we served all our clients in the Public Sector, Commercial Banking, Retail and Consumer Banking.• Drove profitability of all key business units and branches in the area, including staff development, deposit mobilization, profitability and relationship management.• Presided over the Bank's Regional Risk Assets Review Committee and Regional Assets, Liabilities Committee and Management Profitability Review.• Oversaw the bank's core business transition strategy sessions , including post-TSA public sector reorganization.• Represented my region at the Bank-wide Management Credit Risk and Investment Committee, Budget Approval and Management Profitability Review sessions

  • Branch Manager

    • Jun 2007 - Mar 2014

    • I was responsible for branch deposit, Risk Asset, and profitability budgets, Staff Service quality and client satisfaction.• I was responsible for ensuring compliance with laid down policies, operational manuals, regulatory circulars and internal control policies in the branch.• Conducted regular training for branch staff to ensure they can do their duties within governance confines.• Used consultative sales to set client goals and provide solutions that build customer connections.• Tracked deposits and authorized customer loans using Credit Risk Acceptance Criteria.• Set productivity objectives and encouraged personnel to surpass them

  • Regional Credit Analyst

    • Apr 2007 - May 2007

    • Loan request evaluation and appraisal for Management and Credit Committee approval.•Responsible for the Financial Ratio Analysis, Customer Business Review, Industry Review, Sensitivity Analysis, and Receivable Age Analysis for loan approval.•Monitored the Loan Book and Product Portfolio Performance.•Attended and presented at the Bank-wide Credit Risk Management Committees and Credit Risk Appraisal for Abuja Business Development units.

• 

  Oceanic Int'l Bank Plc now Ecobank Nigeria Plc

  • Abuja

  • Team Lead, Retail & Commercial Banking

    • Apr 2005 - Mar 2007
    • Abuja

    • Managed the Bank's relationship with construction companies and contactors.• Developed and executed a robust customer relationship management strategy to advocate and respond to client demands, enhancing patronage and bank profitability.• Directed team members for optimal outcomes.• Performed Financial Ratio Analysis and Financial Spreadsheet for Credit Risk decision-making.• Encouraged and supervised team members' performance.• Used human and material resources to meet collective goals.

• 

  Guardian Express Bank Plc now Heritage Bank

  • Abuja

  • Head Credit &Marketing

    • Oct 2003 - Feb 2005
    • Abuja

    • Improved loan portfolio quality through loan review audits.• Analysed loan applications' financial viability.• Created and executed marketing plans to boost Bank product sales.• Monitored lender portfolios for hazards.• Enforced credit and lending requirements.• Ensure the Internal credit and loan audits.• Exceeded deposit and loan growth goals with low loan loss rates

• 

  First City Monument Bank Limited

  • Abuja

  • Credit &Marketing Officer

    • Aug 2001 - May 2003
    • Abuja

    • Managed Institutional Banking clients in Abuja, including Construction businesses, Telecom companies, Private/Public businesses, 1st-tier government Contractors, big Schools, etc.• Credit Packaging, Customer Financial Ratio Analysis.• Prepares the Bank Financial Report and Spreadsheet.• Represented the bank during Abuja loan syndication meetings for large construction businesses.• Presenting overdue loans at Bank Loan Reviews and Remedial Committee meetings.• Nominated to the Special Strategic Committee to review the bank's products, policies, procedures, market focus shift and market prospects towards transitioning from Merchant Banking to universal Banking.• Managed the unit’s Deposit and Risk Assets portfolio

• 

  UNITED BANK FOR AFRICA

  • Abuja

  • Clearing Officer

    • Aug 2000 - Jul 2001
    • Abuja

    • Represented the bank at the daily CBN Clearance sessions in Abuja.• Cheque sorting, casting, and preparation for clearing sessions.• Posting of returned cheques from Clearing sessions and collection deposited cheques from Teller for Clearing sessions.