CHRISTIANA OSARUMESE CLEMENT

Loan Officer| Credit Analyst| Portfolio Manager

I am a dedicated and result oriented Credit professional with four years of experience in microfinance banking, specialise in loan assessment, portfolio management, client evaluation, client retention, and loan recovery. Gained valuable experience in managing a ₦123 million loan portfolio, maintaining a 90% collection rate while consistently met monthly loan disbursement targets and recovery. Recognized for strong customer relationship management, sound credit judgement, effective recovery strategies and the ability to identify repayment risks at an early stage and also seeking to apply my skills in loan and risk assessment, recovery, and portfolio management to support the organisation’s lending and profitability objectives.

Nigeria
0+
Years experience
0
Languages
0
Skills
Work Experience
LOAN OFFICER
AB MICROFINANCE BANKLagos, Nigeria
Dec 2022 — Jan 2026
  • Assess prospective borrowers to determine their eligibility and suitability for housing and micro-loan facilities.
  • Analyze clients' financial circumstances and repayment capacity before recommending loans.
  • Identify early indicators of potential default and exercise sound judgment when a customer's repayment capacity does not support the requested facility.
  • Conduct client assessments and verification as part of the credit appraisal process.
  • Review relevant customer information and documentation to support informed lending decisions.
  • Ensure loan recommendations are consistent with lending policies and risk considerations.
  • Manage and monitor a loan portfolio valued at over ₦123 million while maintaining a 90% collection rate through consistent portfolio monitoring and customer engagement.
  • Follow up on outstanding obligations and employ appropriate recovery approaches to improve repayment.
  • Monitor client repayment behaviour and take proactive action on overdue accounts.
  • Support the bank's portfolio quality and recovery objectives.
  • Attend to prospective clients and guide them through suitable loan opportunities.
  • Build and maintain professional relationships with clients throughout the loan cycle.
  • Explain loan requirements, repayment expectations, and relevant processes clearly to customers.
  • Consistently disburse approximately 20 new loans each month while maintaining attention to credit quality.
FIELD AGENT
DIAMOND YELLO AGENCYLagos, Nigeria
Mar 2019 — Feb 2020
  • Educated prospective customers on the benefits and usefulness of the Diamond Yello Account.
  • Sourced and approached potential customers through field activities.
  • Built relationships with prospective clients and supported customer acquisition.
  • Communicated product information clearly to customers from different backgrounds.
  • Supported customer acquisition objectives through proactive field engagement.
Skills
CREDIT ANALYSISCREDIT RISK IDENTIFICATION AND MANAGEMENTLOAN PORTFOLIO MANAGEMENTANALYTICAL AND PROBLEM SOLVINGCUSTOMER RELATIONSHIP MANAGEMENTMICROSOFT WORD AND GOOGLE SPACE TOOLSTEAM COLLABORATION
Education
Bsc, MATHEMATICS AND ECONOMICS
UNIVERSITY OF BENIN
2012 — 20163.8 / 4.0
SSCE
REMADE HIGH SCHOOL
2006 — 2012
Certifications
INTRODUCTION TO RISK MANAGEMENT
ACCESS HOLDINGS
2023-11
RECOVERING OVERDUE LOANS
ACCESS HOLDINGS
2022-06
THE THREE LINE MODEL: A MICRO LEARNING EXPLAINER
ACCESS HOLDINGS
2025-01
Languages
ENGLISH
Fluent
YORUBA
Fluent
References available upon request.
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