KINGSLEY NNABUIHE
Summary
A competent, energetic, and result-oriented banking professional with over 15 years of progressive experience in Loan origination & management, budgeting, internal audit & compliance, financial accounting transactions, customer service, and client relationship management in both multilateral development and commercial banking sectors. Proven expertise in managing administrative expenses, financial accounting, budget execution, credit risk assessment and portfolio management.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Account Assistant
African Development Bank (AFDB)
2016.01 - Current
- Prepare the division’s annual budget draft on SRAS in line with the work program of the division for the Manager’s review and approval
- Carry out position mappings on SRAS for staff, STS and consultants in the division for each budget year
- Coordinate with the head of sections in the division, team members and the manager on the planning and budgeting of special initiatives projects in the administrative budget line
- Provide administrative support to all the section heads in the division to determine the financial resources required and prepare the annual budget draft based on an agreed annual work program
- Regular and timely budget discussions with the manager to ensure the optimization of the allocated budget to the division following the Bank’s rules and procedures
- Plan with the manager the yearly budget draft of the division and agree on the budget priority rating before final submission on SRAS and provide justifications to facilitate budget arbitration at the complex
- Generate monthly & quarterly budget utilization, commitment items and execution report, including annual budget activity, and monitory reports on key performance indicators (KPI) to show the progress of the work program
- Compare the current budget baseline with the previous year's allocation and highlight any differences for the manager
- Liaise with the Budget departments to resolve budget technical issues encountered on SAP when processing payments.
Relationship Officer
Access Bank Plc, Nigeria
2007.01 - 2013.01
- Developing, negotiating, and closing loans contract with micro-finance banks, small and medium-scale enterprises (SMEs) and private individuals
- Including receiving loan requests, evaluating clients’ financial data and documentation, assessing risk ratios, and presenting loan advice
- Analyze and interpret clients’ financial information to forecast business viability
- Managing public sector staff salary accounts, and providing credit facilities and salary advances to staff (local government accounts)
- Preparation and rendition of team budgets and monthly profitability reports to the manager for presentation at the monthly MPR
- Marketed and sold deposit products, risk assets, credit finance and developing business plans to enhance deposit mobilization and retention
- Handled account openings, issued bank products, and resolved customer issues and reviewed credit requests, designed customer-centric products, and managed loan portfolios
- Monitored compliance with existing credit limits, KPIs, and thresholds within the Southeast Region of Nigeria
- Measured and forecasted trends with respect to portfolio concentration and portfolio credit risk, proposing management initiatives to mitigate risks
- Monitored and regularly updated the watchlist portfolio and monitored existing loans to ensure timely repayments
- Assisted in identifying transactions for Balance Sheet Optimization initiatives
- Participated in the development of strategic risk metrics and promoted a risk culture within the organization
- Trained staff on credit risk assessment methodologies and tools
- Engaged with clients to gather necessary financial information and documentation for credit risk assessment
- Reviewed and recommended approval of loan applications and manage the loan collateral documentation
- Ensured compliance with internal policies and regulatory requirements and work with both the internal & external auditor in reviewing the risk assets files and documentation
- Conducted quantitative modelling to assess the balance sheet impact of transactions
- Conducted market analysis to evaluate the impact on the loan portfolio
- Prepared detailed monthly & quarterly reports on credit risk exposure and loan performance for senior management
- Conducted in-depth assessment of credit risk for the entire loan portfolio within my region
- Conducted a thorough analysis of the portfolio’s performance over the quarter.
Audit Assistant/Compliance Officer
United Bank For Africa (UBA)
2004.01 - 2007.01
- Plan and execute audit assignments and present audit reports to management and the Audit Committee & ensure that audits are completed on time and within budget and interact with management to ensure that corrective actions are implemented
- Review branch transactions and report on them and carry out further investigation when necessary
- Assessing the effectiveness of loan origination processes to ensure compliance with policies and procedures
- Monitoring the performance of the loan portfolio and identifying potential risks
- Evaluating Collateral Valuation: Assessing the adequacy and accuracy of collateral valuations
- Assessing Compliance with Regulations: Reviewing bank operations to ensure compliance with relevant banking regulations and internal policies
- Evaluating Risk Management Framework: Assessing the effectiveness of the bank's risk management framework and identifying areas for improvement
- Evaluating the adequacy of provisions for loan losses
- Concentration Management: Identifying and assessing concentrations of credit risk within the portfolio
- Evaluating Credit Risk Models: Assessing the effectiveness and accuracy of credit risk models used to assess borrowers' creditworthiness
- Portfolio Stress Testing: Conducting stress tests to assess the resilience of the loan portfolio under various economic scenarios.
Education
Master of Business Administration (MBA) -
University of South Wales
01.2020
BSc Accountancy - undefined
Imo State University Owerri
01.2007
Skills
- · Credit Risk Assessment
- · Project Finance & Corporate Lending
- · Risk Mitigation Strategies
- · Good written & oral communication
- · Compliance & Audit
- · Report Presentation
- · Training & Development
- · Interpersonal skills
- · Quantitative & Qualitative Analysis
- · Analytical & sound decision making
- · Financial Analysis & Reporting
- · Working with minimal supervision
- · Budgeting & Finance
- · Accounting & Auditing skills
- · Data Simulation & Forecasting Performance
- · Time management & Multitasking
- · Resource Management
Certification
- Business Analysis Foundation
- Bank’s Risk Asset Products
- Credit Risk Management & Control
- Risk & Portfolio Management
- Budget SRAS Training for Focal Persons
- Negotiation Foundation
- Credit writing & Portfolio management.
- Advanced Microsoft Word & Excel
- Excel PivotTables
- PowerPoint Essential
- Understanding & Interpreting Financial Statements
- Excel Creating a Basic Dashboard
- Problem Solving Techniques
Accomplishments
- Reducing Credit Losses: through early identification of potential credit risks, recommending corrective actions, and monitoring the effectiveness of implemented controls.
- Improving Credit Risk Management Processes: recommending changes to policies and procedures, developing new risk assessment tools, or implementing stronger internal controls.
- Creation of quality risk assets through strict adherence & compliance to the policy & procedures: no history of any bad loan.
Valueskillsproposition
- Credit Risk Assessment
- Project Finance & Corporate Lending
- Risk Mitigation Strategies
- Good written & oral communication
- Compliance & Audit
- Report Presentation
- Training & Development
- Interpersonal skills
- Quantitative & Qualitative Analysis
- Analytical & sound decision making
- Financial Analysis & Reporting
- Working with a minimal supervision
- Budgeting & Finance
- Accounting & Auditing skills
- Data Simulation & Forecasting Performance
- Time management & Multitasking
- Resource Management
References
To be submitted on request.
Timeline
Account Assistant
African Development Bank (AFDB)
2016.01 - Current
Relationship Officer
Access Bank Plc, Nigeria
2007.01 - 2013.01
Audit Assistant/Compliance Officer
United Bank For Africa (UBA)
2004.01 - 2007.01
Master of Business Administration (MBA) -
University of South Wales
BSc Accountancy - undefined
Imo State University Owerri
- Business Analysis Foundation
- Bank’s Risk Asset Products
- Credit Risk Management & Control
- Risk & Portfolio Management
- Budget SRAS Training for Focal Persons
- Negotiation Foundation
- Credit writing & Portfolio management.
- Advanced Microsoft Word & Excel
- Excel PivotTables
- PowerPoint Essential
- Understanding & Interpreting Financial Statements
- Excel Creating a Basic Dashboard
- Problem Solving Techniques
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