Oluwatobi Martins

• Conduct credit origination of facilities based on the application for facilities, financial information, and market information and in line with the credit policy and procedures.
• Recommend approval of facilities to the appropriate delegated authority.
• Recommend decline of non-viable deals to the Head of CIB Credit after consultation with the Relationship Manager.
• Present and defend own judgments on credit application to the Head of CIB Credit.
• Organize, attend and facilitate Credit Committee Meeting for approval of credit application as appropriate.
• Proactively drive review process of existing facilities, ensure a consistent, thorough and timely evaluation of all existing facilities.
• Review relevant exception and ensure that exposures in excess of credit facilities for CIB names are reported and approval sought.
• Evaluate the excess request in relation to business risk parameters.
• Review relevant audit reports on the loading of counterparty (CIB) information (i.e. review dates, new risk grades, interest rate etc) and limits relating to the approved AFF.
• Detect and evaluate shift or change in key risk parameter in a business relationship or industry and evaluate the implication of such change on continued business dealings.
• Recommend placing of accounts on the watch list and close monitoring forum where necessary, and the need for provisions.
• Ensure that global Credit Standards, credit procedures manual, Local Credit Policy and Risk Acceptance Criteria are adhered to at all times.

• Completed spreads of financial statements for use by credit and relationship managers.
• Conducted accurate tracking of pre-agreed financial and information covenants.
• Scheduled weekly CORF meetings highlighting the key to-dos and ensured these were accurately filed either physically or electronically for audit purposes.
• Loan Booking and limit marking.
• On a weekly basis, prepared default reports of overdue balances owed by counterparties and circulated to the relationship and credit managers for follow up.
• Conducted various credit checks as required by regulation.

• Generated Liabilities for the bank.
• Booked profitable assets.
• On-boarded salary accounts.
• Prepared monthly and quarterly reports sales report.

CIB Credit

• Conducted annual credit review of a client and worked on various aspects such as financial analysis, industry and economic reports of some others.
• Attended and took minutes of several credit committee meetings and strategy sessions highlighting the key to-dos.
• Worked closely with credit managers in conducting the review of their portfolios.
• Liaised with relationship managers for relevant information to ensure that credit papers contained up to date information.
• Sought best possible means to retrieve non-performing loans.
• Collated monthly Watch-list and NPL regional reports.

Finance Department: Reporting and Account Payable

• Collated monthly cost reports for Group Enabling Functions units.
• Accurately conducted call over of daily transactions.
• Processed Head office payments.
• Processed payment of Staff cash advance requests.
• Processed staff reimbursement requests.
• Processed branch vendor requests.