Research and development
Osita Iheanacho
Banking and Financial Expert
Headington,Oxford
Summary
I am a motivated financial expert with excellent business acumen and 15 years of experience spanning Retail Banking, Commercial and Business Banking, Investment Banking, Wealth Management and Private Banking, Corporate Banking, Retail and Corporate Payments, Fintech and Digital Banking, Specialist Lending, International Banking, and retail operations.
I have extensive expertise in managing high-volume, high-value client caseloads and excel in developing investment strategies and analyses to maximize profit potential. I am skilled at building trusted client relationships through exceptional communication, fostering loyalty, and driving repeat business.
With a proven track record of driving business growth and profitability, I possess a deep understanding of banking operations, wealth management, fund advisory and management, customer service, and sales strategies. These capabilities enable me to oversee branch operations effectively, surpass performance goals, and maintain a strong focus on customer satisfaction.
Known for cultivating and sustaining long-lasting relationships with clients and stakeholders, I am highly adaptable and possess exceptional problem-solving skills. These qualities allow me to navigate complex challenges and deliver innovative solutions, consistently prioritizing profitability and sustainable growth
Overview
17
17
years of professional experience
20
20
years of post-secondary education
6
6
Certificates
1
1
Language
Work History
Banking Relationship Manager
Access Bank Plc ( Parent Bank of Access Bank UK)
Lagos, Nigeria
01.2021 - Current
- Customer Relationship Management: I thrive on establishing long-term relationships with individual clients, ensuring their needs are met with tailored financial solutions, enhancing satisfaction, and driving loyalty.
- Product Promotion and Cross-Selling: My expertise in promoting products like savings accounts and loans has consistently helped me exceed sales targets while ensuring clients benefit from the right offerings.
- Customer Support: I pride myself on providing seamless support, assisting clients with transactions, and empowering them through digital banking tools.
- Client Portfolio Management: I effectively manage SME relationships, offering bespoke solutions, including credit lines and treasury services, to support business growth.
- Risk Assessment: My analytical skills enable me to assess financial health and recommend appropriate credit facilities, ensuring both client success and risk mitigation.
- Strategic Advice: I provide actionable insights to businesses, helping optimize cash flow and capitalize on growth opportunities.
Investment Banking - Advisory Services: I have experience guiding clients through complex processes such as mergers and acquisitions, ensuring their strategic objectives are achieved.
- Capital Raising: I excel in fostering relationships that lead to successful investment opportunities, driving both client success and organizational growth.
- Market Intelligence: My ability to leverage market data allows me to deliver informed, client-specific financial advice.
- Personalized Investment Solutions: I am adept at tailoring investment portfolios to meet the unique goals of high-net-worth clients.
- Asset Allocation: My strategic advice on asset diversification and risk management has consistently maximized client returns.
- Trust and Estate Planning: I assist clients in planning for long-term wealth preservation and generational wealth transfer, ensuring their financial legacies.
- Strategic Partnerships: I specialize in managing relationships with large corporations, offering solutions like loan syndication and corporate accounts.
- Credit Facility Management: I have a strong track record in structuring and managing credit solutions that align with client needs and risk profiles.
- Risk Mitigation: My expertise in financial markets allows me to advise clients on effective hedging and currency risk management strategies
- Client Engagement: I work closely with businesses to implement payment solutions that align with their operational needs.
- Product Consultation: My ability to recommend and deploy tailored digital and POS systems has improved client efficiencies.
- Process Optimization: I have a track record of streamlining payment workflows, boosting both client satisfaction and operational productivity.
- Customer Onboarding: I ensure seamless onboarding experiences, helping clients transition to fintech platforms with ease.
- Tailored Loan Structuring: I excel in designing customized lending solutions, such as asset finance and real estate loans, to meet unique client needs.
- Client Risk Profiling: I conduct thorough risk assessments to recommend optimal lending terms and ensure financial stability.
- Loan Portfolio Management: I have successfully managed loan portfolios, maintaining high performance and compliance standards.
- Trade Finance Solutions: I guide clients through trade finance processes, including letters of credit and export financing, to support global operations.
- Global Account Management: My ability to navigate cross-border services has ensured smooth financial operations for multinational clients.
- Risk Advisory: I provide comprehensive advice on managing geopolitical and currency risks, enabling clients to operate confidently in international markets.
- Implemented effective sales strategies that aligned with organizational goals while also catering to individual client preferences and requirements.
- Developed a deep understanding of industry trends to remain competitive in the market and provide valuable insights to clients.
Retail, Commercial and Business Banking Officer
Access Bank Plc, (Parent Bank of Access Bank UK)
Lagos, Nigeria
01.2008 - 01.2021
- Marketing of bank products like mortgages, loans, and insurance
- Monitoring and managing high-profile customers of the bank for business retention and growth
- Managing the day-to-day running of the branch
- Setting team targets and working toward achieving them
- Implementing bank policies that build trust between the bank and its customers
- Specialist Lending Officer, saddled with the responsibility of profiling and giving new SME loans to about 50 customers monthly
- Analyze customer profiles to identify appropriate products and provide value-added approaches to client issues
- Identified and capitalized on community business opportunities with effective networking
- Delivered exceptional experience and maintained productive relationships with small businesses in the region
- Generated business and acquired new customers by leveraging the bank's diverse promotional, outreach, and networking strategies
- Structured and finalized secured and unsecured loans
- Provided leadership and direction to grow the team portfolio and increase revenue
- Stayed up-to-date with the latest bank products and services for businesses
- Met with customers to assess needs and propose customized solutions
- Modeled catastrophic market scenarios to aid in business management planning, risk management, and trend monitoring
- Developed and implemented marketing and business plans
- Executed customer transactions, including deposits, withdrawals, money orders, and checks
- Served the needs of more than 2000 SME customers in a busy banking environment
- Exceeded quarterly sales goals by 25%
- Provided a high level of customer service through a friendly approach, strong professionalism, and timely assistance with customer transactions.
- Nurture positive customer relationships to increase satisfaction and loyalty.
- Predicted and interpreted consumer trends to improve product offerings.
- Advised clients on the optimum mix of products and distribution channels for greatest success.
- Kept records of all contacts with clients using the CRM system.
- Educated customers about company products, services, and special offers.
- Reviewed client files to identify opportunities for cross selling.
- Monitored statutory and regulatory changes, implementing them accordingly for compliant operations.
- Led service level agreement reviews to confirm customer satisfaction.
- Communicated client feedback to leadership teams and identified improvement possibilities.
- The interpreted customer needs to provide tailored advice on suitable products and services.
- Delivered team objectives according to business development strategy.
- Communicated regularly with clients to discuss progress toward financial goals.
- Advised clients on relevant insurance for maximized investment security.
- Assessed client asset portfolios to maximise return on investment.
- Built sector expertise to advise team members on best course of action for maximum return on investment.
- Checked investment viability to limit client risk.
Education
SVQ Level 3 - DATA ANALYST
Ihifix Academy
Nigeria 01.2024 -
Professional certificate - International Retail Banker
Lafferty Retail Banking Institute
Ireland 01.2023 - 12.2023
Master of Business Administration - Business Administration and management
National Open University of Nigeria
Nigeria 02.2018 - 02.2022
Professional Diploma in Management (PDGM) - Management
Usmanu Danfodiyo University
Nigeria 01.2015 - 12.2017
B.Eng - Material & Metallurgical Engineering Technology
Federal University of Technology
Owerri, Imo State Nigeria 01.1998 - 05.2004
Skills
Lead and motivate a team towards achieving common goals
Extensive knowledge of sales and Marketing strategies
Credit Risk advanced levelFinancial analysis and planing
Strong communication skillsAbility to make decisions that benefit the organisation
The ability to delegate tasks
Capacity to provide Constructive feedback to team
Manage time effectively, prioritize Tasks, and multitask
Have a customer-centric mindset andBe committed to providing exceptional Service to clients
Excellent problem-solving skillsCredit risk profiling
Financial management
Bank marketing and sales
Financial services market knowledge
Employee motivation
Corporate banking
Customer relations
Deposit tracking and reconciliation
Branch operational processes and policies
People Management
Business administration
Customer Service
Financial statement analysis
Business analysis
Revenue forecasting
Institutional investment
Financial risk mitigation
Wealth management
Complex negotiations
Due diligence processes
Financial data analysis
Certification
Certified Data Analyst
Additional Information
- Supervised team of 55 staff members Successfully create and manage risk assets of over N1.4bn Consistently exceed sales target by 105% yearly Manage a cabal of N4.5b Huge customer base of 10,500 SME customers and 50,000 retail customers Won a prestigious 10 yearlong service award as a banking relationship manager Several commendation letters from HR on performance A appraisal 2022 financial year
Accomplishments
- supervised team of 55 staff members
- Successfully create and manage risk assets worth over $1.4bn
- Consistently exceed sales target by 105% a year.
- Manage a cabal of $4.5b
- Huge customer base of 10,500 SME customers and 100,000 retail customers
- I won a prestigious 10-year service award as a banking relationship manager
- Exceed profitability budget by 25% during 2023 FY
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Interests
Data analysis
Publishing Books on Amazon
Professional Trainings
+ Emerging Leaders
+ Advance credit risk management
+ Emotional Intelligence
+ Cash flow lending
+ Trade Finance
+ Data Protection in Banking
+ Understanding Predictive Models for Business Decision Making
Timeline
SVQ Level 3 - DATA ANALYST
Ihifix Academy
01.2024 -
Professional certificate - International Retail Banker
Lafferty Retail Banking Institute
01.2023 - 12.2023
Banking Relationship Manager
Access Bank Plc ( Parent Bank of Access Bank UK)
01.2021 - Current
Master of Business Administration - Business Administration and management
National Open University of Nigeria
02.2018 - 02.2022
Professional Diploma in Management (PDGM) - Management
Usmanu Danfodiyo University
01.2015 - 12.2017
Retail, Commercial and Business Banking Officer
Access Bank Plc, (Parent Bank of Access Bank UK)
01.2008 - 01.2021
B.Eng - Material & Metallurgical Engineering Technology
Federal University of Technology
01.1998 - 05.2004