Inalegwu Uloko
Saskatoon,Canada
Summary
A high performing Financial Service Professional with over 15years international banking experience cutting across Credit Analytics, Business Development, Portfolio Management, Risk Management, Underwriting, Relationship Management, Customer Service Management. Highly proficient in Business Solutions and Loan restructuring, Client Relationship Management, Credit Risk Analysis and Risk Assessment with ability to work in a fast-paced environment, deep sense of urgency and commitment to meeting goals both for self and for client. I possess BSC in Accounting, MBA (master’s in business administration). Goal-oriented professional successfully assists companies by developing and implementing updates to operational standards, team organization and employee engagement strategies. Proactive and personable leader with top-notch skills in streamlining information, prioritizing tasks and approaching issues with analytical mindset. Bringing years of experience and demonstrated track record of success.
Overview
18
18
years of professional experience
Work History
Senior Small Business Advisor (SSBA)
Scotiabank
Saskatoon, Canada
12.2023 - Current
- Actively engage in Business Development, Portfolio Management and providing borrowing solutions to small business and SME
- Obtain and compile all the required supporting documents for new loan applications, Credit restructuring and credit review
- Participate in the assessment of potential new loan applications in compliance with BNS’s policies, practices and quality standards
- Actively participate in the portfolio administration process (e.g., annual review, risk assessment, action plans) in accordance with BNS credit risk management policies and procedures
- Provide excellent customer service to clients, including internal and external stakeholders utilizing outside resources in the resolution of basic customer issues
- Develop and maintain a good network with Business Centre personnel, colleagues and internal partners to stay current with internal practices, ensure the consistent application of policies/procedures and the pursuit of common objectives in terms of credit, loans, etc
Credit Risk Analyst/ Underwriter – BMO Diversified Mid-Market
BMO
Saskatoon, Canada
03.2023 - 12.2023
- Perform detailed Credit Analysis, cash flow analysis and responsible for credit underwriting of credit applications from $1.5Million to $15Million in BMO mid market diversified industries
- Completion of Comprehensive Risk Assessment, Risk Mitigation and Analysis of all loan and projects
- Performs due diligence on files with advise and recommendation based on risk assessment and analysis
- Participate in the evaluation of clients’ long-term viability, business strategy and business restructuring strategy
- Ensuring the timely analysis, structuring, and presentation of credit proposals
- Providing prompt and sound recommendations in the analysis and presentation of credit proposals
- Ensuring effective communication with the SCRM to clearly convey the rationale for decisions, so that they may respond effectively to clients
- Recommending pricing for loans and credit-related fees yielding a return commensurate with risk and due regard to profit, administration, and competitive considerations
Senior Relationship Manager (SRM)
BMO
Saskatoon, Canada
01.2022 - 03.2023
- Promotes the business development and profitable growth of the commercial banking portfolio in an assigned market area
- Continuous engagement with local business community by networking within various associations and chambers of commerce in order to develop business relationships and obtain references that will facilitate new client acquisition
- Managed and professionally nurtured a high-value portfolio
- Manages an assigned credit portfolio for authorizations up to Fifteen Million Dollars ($15MM) at an acceptable level of risk
- Collaborate with cross- functional teams, including Wealth Management, Private Banking and Investment Advisors to deliver tailor-made and comprehensive banking solutions to clients
- Strategic Networking with entrepreneurs, clients and prospects, and discuss the specifics of their business in order to identify the issues, provide them with advice and identify, if applicable, a BMO service offering appropriate to their needs
Commercial Relationship Manager (CRM)
Scotia bank
Saskatoon, Canada
08.2019 - 01.2022
- Proactively identify new business opportunity through prospecting and develop tailored financial strategies based on client’s unique goals, risk tolerance and financial circumstances
- Identifying prospects/referrals from other internal/external COIs
- Develop and implement a marketing strategy to maximize business development opportunities for sustainable growth;
- Analyzing prospect lists and prioritizing business development opportunities based on market data and customer analytics;
- Conduct regular annual and quarter reviews, assessing credit worthiness and providing recommendations for credit limit adjustments
- Trainings and mentoring for Small Business Advisor (SBA) to help them successful with their credit submission to ACE
Customer Service Associates
PC Financials
Saskatoon, Canada
04.2018 - 12.2018
- Creation of new accounts and changing service plans handling an average of 40 calls for every 8 hours shift
- Resolving technical and service-related issues by taking ownership of each task
- Constant identification of opportunities to deepen the client’s relationship with PC Financials
Client Relationship Manager- Team Lead
Ecobank Transnational Incorporated
01.2014 - 01.2018
- Company Overview: Ecobank.com
- Best up-selling staff on liability generation for 2013 & 2014
- Strengthened customer relationship management in the branch by providing financial advisory services to customers
- Achieved growth in customer base from zero to over 300 using direct selling techniques via cold and hot calls, out-bound marketing calls
- Branch floor manager for internal product sales and customer service issues resolution
- Strengthened customer relationship management in the branch by providing financial advisory services to customers
- Grew teams’ network of clients, deepened existing relationships, and collaborated with team members to ensure clients are connected to the right people and opportunities
- Ecobank.com
Client Relationship Manager
Ecobank Transnational Incorporated
01.2011 - 01.2014
- Company Overview: Ecobank.com
- Routine coaching and mentoring of customer service officers including performance management and monitoring
- Manages the District customer service portfolio and other activities by overseeing delivery of service, identifying opportunities for improvement, and ensuring alignment with corporate goals, guiding principles, and management commitments
- Obtain and compile all the required supporting documents for new loan applications
- Participate in the assessment of potential new loan applications in compliance with Ecobank policies, practices, and quality standards
- Actively participate in the portfolio administration process (e.g., annual review, risk assessment, action plans) in accordance with BMO credit risk management policies and procedures
- Ecobank.com
Senior Credit Underwriting- Mid- Market and Local Corporate Division
Ecobank Transnational Incorporated
01.2009 - 01.2011
- Company Overview: Ecobank.com
- Reviewing all authorizations to ensure accuracy, completeness, and clarity before submission for adjudication
- Ensuring prompt follow-up for acceptance of the authorization and reacting swiftly to any problems, amendments, extensions, reporting to senior management and SCRM where necessary
- Advised clients quarterly and annually on portfolio performance ensuring clients needs aligned with projected results
- Ecobank.com
Credit Underwriter Trainee
Ecobank Transnational Inc.
01.2007 - 01.2009
- Reviews applications, renewals, and revisions to existing policies for insurance to determine the nature and degree of the risk
- Researches and obtains additional information on risk if required
- Determines if risk is acceptable, is acceptable with restrictions, or should be declined based on analysis and evaluation of all information pertinent to the risk within the authority limit guidelines of this position
- Risks to be declined must be referred to a more senior underwriter
- Determines appropriate rates, applies applicable discounts, and surcharges and calculates premiums
Education
BSC - Accounting
Accounting
MBA - Business Management
Business Management
Skills
- MS Excel
- Outlook
- WORD
- PowerPoint
- Access
- Lending policies
- Canadian financial markets
- Market Trends
- Verbal communication
- Written communication
- Collaboration
- Team skills
- Financial Statements
- Analytical skills
- Problem-solving skills
- Loan documentation
- Credit underwriting
- Commercial banking platforms
- Product offerings
Timeline
Senior Small Business Advisor (SSBA)
Scotiabank
12.2023 - Current
Credit Risk Analyst/ Underwriter – BMO Diversified Mid-Market
BMO
03.2023 - 12.2023
Senior Relationship Manager (SRM)
BMO
01.2022 - 03.2023
Commercial Relationship Manager (CRM)
Scotia bank
08.2019 - 01.2022
Customer Service Associates
PC Financials
04.2018 - 12.2018
Client Relationship Manager- Team Lead
Ecobank Transnational Incorporated
01.2014 - 01.2018
Client Relationship Manager
Ecobank Transnational Incorporated
01.2011 - 01.2014
Senior Credit Underwriting- Mid- Market and Local Corporate Division
Ecobank Transnational Incorporated
01.2009 - 01.2011
Credit Underwriter Trainee
Ecobank Transnational Inc.
01.2007 - 01.2009
BSC - Accounting
Accounting
MBA - Business Management
Business Management
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