Ezeofor Joy

I worked as an Intern for a year in the University of Nigeria Teaching Hospital where I gained valuable experience in diverse aspects of office administration. During my internship, I handled data collection for onward processing and analysis, entered collected data accurately into Microsoft Office Excel Spreadsheet and ensured backups were efficiently put in place. I also handled all incoming calls and emails, which allowed my boss to focus on more important tasks.

My most recent position was the role of Credit officer at Zenith bank PLC, Nigeria. During my time at this role, I collected data and performed trend and variance analysis to mitigate risk arising from bad debt. I sent out mails to Relationship managers for upward review of interest rate, making sure documents are in place by paying attention to details and reaching out to relationship managers for outstanding documents to ensure good judgments.

Most importantly, I am a result-oriented individual who always look for ways to improve efficiency and productivity.

Credit Control Officer
Zenith Bank Head-office, Lagos(10months)
Used Consumer Loan applications such as Loan IQ, Silverblade and First Central Credit bureau to perform credit appraisals, document verification and loan approvals.
Performing consumer loan spool daily to determine number of outstanding loan requests.
In charge of approving and disapproving Loans under schemes, RRAS (Retail loan disbursement and approval sheet).
Disbursement of loans manually (because of change in tenor, interest and repayment terms) and off system.
Approval and disbursement of cashed back loans Updating and monitoring of interest rate change and ensuring interest rate change are effective as
at when updated.
Sending out mails to Relationship managers for upward review of interest rate.
Making sure documents are in place and reaching out to Relationship managers for outstanding documents.
Kept records of customers' charges and payments. Updated client accounts with new information and verified data for informed credit approvals.
Worked with Relationship managers to define and implement terms for approved credit requests. Ensuring loans that exceed our credit limits will have General managing director and two executive

directors' signature.
Recommended approval or disapproval of personal loan, loans under schemes and asset acquisition. Devised collection recovery strategies to resolve customer issues and delinquent cases.
Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility. Reviewed and verified income, credit reports and employment histories for each borrower.
Organized and finalized loan applications for underwriter review.
Adhered to banking standards and government lending guidelines for loan services.
Obtained and interpreted financial statements to assist in credit limit reviews..
Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
Referred delinquent accounts to collections department or outside resources.
Prepared reports of findings and recommendations. Contacted Relationship managers about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
Attended ongoing professional training to facilitate accurate and productive credit management. Verified application and account details to accurately asses credit and financial risks of potential clients.
Ensuring Lost loans are cleared before credit applicant loan is processed.
Monitored accounts for signs of fraud and non-payment issues.
Managed account data and verified information with clients, past creditors and other involved parties.
Collected data and performed trend and variance analysis to mitigate risk arising from bad debt. 
Investigated and evaluated customers for creditworthiness and potential risk factors. Worked with Relationship managers to define and implement terms for approved credit requests. Managed over 50 customer calls per day.

Second Class upper division in banking and finance from the University of Nigeria Nsukka.