Samaila Bulus Ogu
Credit Officer & Financial Risk Management Specialist
Jalingo, NG.About
Highly accomplished Credit Officer with over 5 years of progressive experience in the financial industry, specializing in credit risk management, loan recovery, and regulatory compliance. Proven leader, adept at managing a credit department of 10 employees and expert in structuring complex transactions, underwriting policies, and hedging derivatives. Dedicated to delivering high-quality customer service and fostering clear communication to achieve financial objectives and minimize risk.
Work
Taraba Business Development Center
|Credit Officer
Jalingo, Taraba State, Nigeria
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Summary
Leading credit operations and risk management for a financial institution, overseeing a team of 10 credit analysts to ensure robust lending practices and regulatory adherence.
Highlights
Developed and enforced comprehensive credit standards and lending procedures, ensuring compliance with federal law and guiding a team of 10 credit analysts.
Chaired the Credit Risk Management Committee, providing strategic oversight and expert analysis to mitigate potential financial exposures across the loan portfolio.
Conducted thorough regulatory audits and financial assessments for client loan requests, evaluating creditworthiness and risk to approve or reject applications, thereby safeguarding institutional assets.
Streamlined client data collection processes, enhancing the efficiency and accuracy of financial documentation for loan evaluations.
SuperCash
|Recovery Officer
Nigeria
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Summary
Managed a portfolio of delinquent loans, implementing strategic recovery processes and ensuring compliance with credit policies to minimize financial losses.
Highlights
Managed and engaged with a significant portfolio of delinquent loan accounts, successfully recovering outstanding balances through strategic customer outreach and negotiation.
Developed and continuously refined credit policies and procedures, ensuring 100% compliance with internal guidelines and external regulatory requirements.
Conducted detailed loan aging analysis and scheduled follow-ups, significantly improving the recoverability of outstanding loan balances and reducing potential credit losses.
Collaborated closely with the legal department to uphold effective compliance standards, mitigating risks and ensuring adherence to all regulatory frameworks.
Prepared and presented monthly collection reports, providing critical insights into recovery status and informing strategic decision-making for senior management.
Verifyme Nigeria
|State Lead/Verification Agent
Nigeria
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Summary
Led field verification activities and research, ensuring timely and accurate data collection for applicant validation and risk mitigation.
Highlights
Directed and executed field investigation and verification exercises, consistently achieving timely completion and high accuracy rates for assigned tasks.
Conducted physical site visits to confirm applicant residency, providing critical, accurate verification reports that met strict timeline requirements.
Managed the end-to-end process of verification assignments, from execution to uploading comprehensive reports, ensuring data integrity and operational efficiency.
Contributed to field research and monitoring activities, enhancing the overall quality and reliability of data used for applicant assessment.
Education
Nasarawa State University, Keffi
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Bachelor of Science
Biochemistry
Awards
Taraba State Governor's NYSC State award
Awarded By
Taraba State Government
Recognized for outstanding service during the National Youth Service Corps program in Taraba State.
Jalingo Local Government Chairman's NYSC Honour's Award
Awarded By
Jalingo Local Government Chairman
Honored for exceptional contributions and dedication during the National Youth Service Corps program within Jalingo Local Government.
Languages
English
Certificates
Certificate in Fundamentals of Digital Marketing
Issued By
Not Specified
Secondary Data Review & Data Analysis
Issued By
Not Specified
Executive Certificate in Project and Business Management
Issued By
Not Specified
Skills
Financial Analysis & Management
Credit Risk Management, Loan Underwriting, Hedging Transactions, Derivatives, Commercial Real Estate, Corporate Transactions, Regulatory Audits, Credit Policy Development, Financial Data Analysis, Loan Recovery.
Software & Data
Accounting Software, Microsoft Excel, Microsoft PowerPoint, Data Entry Software, Secondary Data Review, Data Analysis.
Communication & Leadership
Client Communication, Stakeholder Engagement, Team Leadership, Complex Term Simplification, Negotiation, Cross-functional Collaboration, Customer Service.
Project & Operations Management
Time Management, Project Management, Process Optimization, Regulatory Compliance, Field Research, Verification.
Digital Marketing
Digital Marketing Fundamentals.
Interests
Professional Development
Scientific Journals, Biochemistry Research.
Community Engagement
First Aider, Nigeria Red Cross Society, Volunteering.
Recreation
Outdoor Activities, Socializing.