{
  "$schema": "https://cvjson.com/schema/v1.json",
  "basics": {
    "name": "CHRISTIANA OSARUMESE CLEMENT",
    "label": "Loan Officer| Credit Analyst| Portfolio Manager",
    "summary": "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.\n",
    "location": "Nigeria"
  },
  "work": [
    {
      "company": "AB MICROFINANCE BANK",
      "position": "LOAN OFFICER",
      "location": "Lagos, Nigeria",
      "startDate": "2022-12",
      "endDate": "2026-01",
      "highlights": [
        "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."
      ],
      "url": "https://www.ab-mfbnigeria.com"
    },
    {
      "company": "DIAMOND YELLO AGENCY",
      "position": "FIELD AGENT",
      "location": "Lagos, Nigeria",
      "startDate": "2019-03",
      "endDate": "2020-02",
      "highlights": [
        "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."
      ]
    }
  ],
  "education": [
    {
      "institution": "UNIVERSITY OF BENIN",
      "degree": "Bsc",
      "field": "MATHEMATICS AND ECONOMICS",
      "startDate": "2012",
      "endDate": "2016",
      "score": "3.8"
    },
    {
      "institution": "REMADE HIGH SCHOOL",
      "degree": "SSCE",
      "startDate": "2006",
      "endDate": "2012"
    }
  ],
  "skills": [
    "CREDIT ANALYSIS",
    "CREDIT RISK IDENTIFICATION AND MANAGEMENT",
    "LOAN PORTFOLIO MANAGEMENT",
    "ANALYTICAL AND PROBLEM SOLVING",
    "CUSTOMER RELATIONSHIP MANAGEMENT",
    "MICROSOFT WORD AND GOOGLE SPACE TOOLS",
    "TEAM COLLABORATION"
  ],
  "languages": [
    {
      "language": "ENGLISH",
      "fluency": "Fluent"
    },
    {
      "language": "YORUBA",
      "fluency": "Fluent"
    }
  ],
  "certificates": [
    {
      "name": "INTRODUCTION TO RISK MANAGEMENT",
      "issuer": "ACCESS HOLDINGS",
      "date": "2023-11"
    },
    {
      "name": "RECOVERING OVERDUE LOANS",
      "issuer": "ACCESS HOLDINGS",
      "date": "2022-06"
    },
    {
      "name": "THE THREE LINE MODEL: A MICRO LEARNING EXPLAINER",
      "issuer": "ACCESS HOLDINGS",
      "date": "2025-01"
    }
  ],
  "referencesMode": "on-request",
  "availability": {
    "status": "open"
  },
  "ats": {
    "keywords": [
      "LOAN OFFICER",
      "AB MICROFINANCE BANK",
      "FIELD AGENT",
      "DIAMOND YELLO AGENCY",
      "MATHEMATICS AND ECONOMICS",
      "CREDIT ANALYSIS",
      "CREDIT RISK IDENTIFICATION AND MANAGEMENT",
      "LOAN PORTFOLIO MANAGEMENT",
      "ANALYTICAL AND PROBLEM SOLVING",
      "CUSTOMER RELATIONSHIP MANAGEMENT",
      "MICROSOFT WORD AND GOOGLE SPACE TOOLS",
      "TEAM COLLABORATION",
      "ENGLISH",
      "YORUBA",
      "INTRODUCTION TO RISK MANAGEMENT",
      "RECOVERING OVERDUE LOANS",
      "THE THREE LINE MODEL: A MICRO LEARNING EXPLAINER",
      "Loan Officer| Credit Analyst| Portfolio Manager"
    ],
    "yearsOfExperience": 8,
    "seniority": "senior",
    "highestEducation": "Bachelor's"
  },
  "verification": {
    "email": true,
    "platform": "freecv.org"
  },
  "i18n": {
    "primary": "en"
  },
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    "canonical": "https://livelink.cv/christianaosarumese-clement/cv.json",
    "lastModified": "2026-09-10T05:21:37.401Z",
    "generator": "FreeCV.org"
  }
}