Adijat Yamah

HEAD CREDIT ADMINISTRATION, PORTFOLIO MGT & REGULATORY AUTHORITIES.

CREDIT RISK ADMINISTRATION
 Provide feedback to Top Management on required changes to policy.
 Manage risk Asset documentation / collateral support for all risk assets created.
 Manage Disbursement, availment and facility availability/ commitments.
 Supervise periodic reviews of bank’s risk asset portfolio and report on changes in rating, performance, profitability, concentration and distribution.
 Manage CBN/BOI fund disbursement and documentation.
 Currently supervise a team of twelve individuals.

UNDERWRITING AND LOAN APPROVAL PROCESS
 Assess the request compatibility with the bank’s loan policy and strategic plan established for originating, structuring and approval of loan requests.
 Regularly review and establish minimum information requirements for credit analysis in line with regulations and compliance feedback.
 Ensure lending decisions is jeered towards planned strategic objectives and maintains desired levels of risk within the credit portfolio.
 Recommend appropriate structure for credit facilities to mitigate inherent risks.
 Review pre-approval documentation presented to management for sign-offs as a basis for documenting facility commitments.
 Supervision of other credit appraisal and approval process.

CREDIT REVIEW, COMPLIANCE AND MONITORING
 Correctly interpret the bank’s credit policy in the review of credit.
 Review and make appropriate recommendations for update to the bank’s credit policy in line with best practice, Basel and current regulatory requirements.
 Identification of early warning signals and flagging likely problems before they crystallize and recommend remedial/ work out strategies.
 Preparation / coordination of risk assets reports.
 Review of Credit risk on various card products/ services and related financial transactions.
 Supervise all members of the Credit Administration team in achieving team objective.
 Credit risk asset external audit and regulatory checks Liaison Manager.

Head Systems Audit Unit & Regional Auditor Marina Zone
 Successfully set-up and establish the systems audit unit.
 Successful system conversion and upgrade reviews/ implementation.
 Drafted KYC and money laundry policies and procedures adopted by management.
 Income and expenses assurance to avert income leakages and budget overrun while ascertaining completeness, validity and accuracy in system and human general processing controls on the FINACLE software (banking) application.
 Manage Continuous review of system security adequacy to assure confidentiality, availability and integrity of Information Systems resources.
 Manage continuous review of products, services, new business strategies, processes and procedures for risks and improvement to enhance service delivery.
 Money Laundry Compliance, monitoring and reporting officer.
 Marina Regional Controller. Supervising resident branch auditors in the marina zone and departments - working independently and as a part of teams to carry out financial audit, risk asset audit, special audit. Audit assignments carried out to assure management of the adequacy of policies, procedures and processes put in place to safeguard assets and compliance. I also wrote & report findings and suggested improvement where necessary.
 I also acted as liaison to the bank’s external auditors, Central Bank examiners, Nigerian Deposit Insurance Corporation (NDIC) examiners, consultants and other regulatory bodies.

Setting-Up the Credit Risk Management Process
Ascertain record of all risk assets taken over and the suitability and status of supporting securities.
Established uniform credit presentation format.
Established credit appraisal procedures.
Established credit report modules/profile on the bank information system in line with CBN requirements.
Supervise other Risk Management staff.
Effective backup for the bank Risk Manager.

CREDIT RISK ADMINISTRATION, COMPLIANCE AND MONITORING
 Review, analyze and evaluate all credit risk asset creation request (temporary/ structured) in line with the bank’s credit policy and risk appetite.
 Recommend appropriate risk asset/facility structures.
 Supervise collection of all supporting documentations for the credit facility.
 Review monthly bank’s risk asset portfolio and report on changes in rating, performance, concentration and distribution as alert to management of all observed failure signs and make remedial recommendations.
 I acted as liaison to the bank’s external auditors, Central Bank examiners, Nigerian Deposit Insurance Corporation (NDIC) examiners, consultants and other regulatory bodies.


BRANCH OPERATIONS - ABUJA
i. Funds Transfer/ Treasury Ops.
Clearing Cheques processing; Preparing monthly management accounts, assisting with expense analysis for management control, carrying out schedule of balances reconciliations proof to system General ledger; maintenance of fixed asset register and general ledger and also checking invoices coding, authorization and ensuring accurate processing of invoices. Any other task assigned by my supervisor from time to time.
ii. Customer Services
Attend to customer’s inquiries; relationship manager for walk-in customers; Maintain customer’s confirmation and mandate instructions. Ensure no service failures in the banking hall. Calm and pacify irate customers.

HUMAN RESOURCES (H/O) (DEC.1994- MAY 2000)
i. Salary Administration - Payroll preparation and wage bill monitoring.
ii. Performance evaluation - Review goals and appraisals for promotion, placement and compliance of roles to strategic responsibility.
iii. Training and manpower development mapped towards required skills .
iv. Recruitment and placement