TIERE BENONZAOL DANIEL

Key Role and Responsibilities

• To maintain an overview of the Commercial & SME Banking Department risk assets portfolio
• Assists grow the loan book for Commercial and SME Department in line with the strategy on Risk Assets for the Commercial and SME
• Reduce non-performing loans on the Commercial and SME Banking loan book
• Conduct monitoring of all post disbursement conditions and covenants on risk assets accounts to ensure compliance
• Work as a liaison between Commercial and SME Banking and Commercial Credit Risk when it comes to issues on risk assets in the Commercial and SME Department
• Assist with the identification of skills gaps (Credit related) for Commercial Relationship Managers and Officers and recommend/facilitate relevant mode of engagement for coaching and training
• As a member of the Portfolio Quality Review Committee, participate in the weekly portfolio review sessions
• Managed and archived quality documentation and participated in internal and external quality audits.
• Coordinated and oversaw periodic audits to evaluate product quality and safety and address non-conformances

Key Role and Responsibility

• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
• Responsible for revenue growth (both funded and non-funded income) in the portfolio for Commercial and SME Banking in line with the budget for income for the Branch
• Grow the risk asset book for Commercial and SME portfolio in the branch in line with the Budget for the Branch
• Ensure growth in deposit portfolio for Commercial and SME Banking in the Branch by deepening relationship with the current portfolio of clients whilst adding more clients to the portfolio of the Branch
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
• Increase Commercial and SME Banking active Client portfolio base in the Branch by activating the dormant accounts in the commercial and SME portfolio of the branch
• Provide excellent customer service to all clients in the branch to increase customer retention
• Reduce non-performing loans on the commercial banking book in the Branch as well as reducing unauthorized excesses in the portfolio for Commercial Banking in the Branch
• Monitoring of disbursed commercials loans in the Branch whilst adhering to the Risk and Asset Quality policies for Commercial and SME Banking
• Manage and reduce delinquency on the loan book within the portfolio.
• Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.

• Key Role and Responsibilities
• Evaluate and appraise Credit Applications in line with the Bank's Credit Policy
• Review credit proposals (which will include Business and Financial Statements) and ensure credit is properly structured
• Prepare credit appraisal reports with the necessary credit information to aid management credit committee decision making
• Provide support to Commercial Relationship Managers in Credit portfolio management
• Develop a credit portfolio in line with the institutions overall lending strategy by way of quality management of the portfolio assigned
• Conduct regular monitoring (financial and collateral) of the businesses of clients in accordance with the credit committee decisions.

Key Role and Responsibilities

• Compile and analyze quantitative and qualitative (prospective) client information to prepare credit proposals for decision-making
• Conduct regular monitoring of the business (es) of clients in accordance with credit committee decisions and Institutional policies and processes
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Ensure timely and full settlement of all disbursed credit exposures according to the repayment plans
• Organized and finalized loan applications for underwriter review.
• Comply with all Arrears/Business Committee decisions to improve portfolio quality
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Ensure that all post-disbursement conditions are complied with within the stipulated period
• Ensuring timely preparation and submission of completed monitoring reports according to scheduled timelines as well as portfolio Management Reports
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
• Conducted presentations to upper management and executive teams for loan recommendations.

Key Role and Responsibilities

• Audit and control debtors' book through control of credit to the market
• Provided journal entries and performed accounting on accrual basis.
• Maintained integrity of general ledger and chart of accounts.
• Prompt departmental managers of overdue debtors, thus making sure the credit policy of the company is complied
• Evaluate the sales of the sales officers against the cash paid and the stocks returned on a weekly basis
• Appraise customers who wish to buy products on credit for management approval
• Ensure the debtors book is within budget on a monthly basis
• Maintaining internal control systems of the Company.

Key Role And Responsibilities

• Maintained friendly and professional customer interactions.
• Oversee all aspects of branch management, including sales, expenses, budget, purchases, and policy enforcement
• Boosted branch sales by developing and deepening customer loyalty through incentive programs
• Facilitated smooth running of branch operations by verifying consistent compliance with standard operating procedures
• Prepared financial statements and analysis for branch
• Performed monthly and quarterly employee performance appraisals (Sales officers)
• Maintained detailed records of branch office activities
• Assessed employee performance and developed improvement plans.
• Evaluated local market conditions and sought new opportunities for sales.
• Engaged employees in business processes with positive motivational techniques.
• Met deadlines by proactively managing individual and team tasks and streamlining processes.
• Consulted customers to boost product sales and services.
• Resolved various issues impacting sales management and business operations.
• Generated financial and operational reports to assist management with business strategy.

Key Role and Responsibilities

• Maintain all relevant accounting books which includes sales daybook, cash book, cheques register, supplier's account
• Prepare bank reconciliation accounts monthly
• Manage debtors account to ensure that all customers are within the credit limit
• Alert customers whose debts are overdue and make sure they service their debts as soon as possible
• Maintained accurate and complete documentation to facilitate accounting and filing functions.
• Approve all sales orders from customers and sales representatives before they are processed
• Conduct monthly sales performance for all sales representatives in the department
• Undertake a weekly stock valuation for sales representatives to ascertain the status of each sales representative
• Assisted with monthly and quarterly income statements, balance sheets and cash flow reports to inform decision-makers.

Key Role and Responsibilities

• Sell the financial products of the bank, such as loans and fixed deposits to existing and prospective customers of the bank
• To provide good customer service of the bank to all customers through the account opening process
• To create and manage effective relationship with existing and prospective customers to ensure ultimate customer satisfaction and growth of business
• Ensure accurate processing of all applications and associate forms
• Met customers in homes and businesses to discuss and demonstrate products.
• Put together sales proposals and contracts