JESUBIYI JOHN SETH

Spearheaded ISO 9001 and ISO 27001 internal audits across diverse group entities, ensuring 100% compliance with international standards and successfully preparing for external certifications.

Streamlined organizational activities and processes through rigorous review, achieving full alignment with ISO quality and information security management standards.

Executed comprehensive operational audits to evaluate and enhance efficiency, effectiveness, and adherence to company policies, leading to improved operational integrity.

Authored and presented detailed monthly operational audit reports to senior management, providing actionable findings and strategic recommendations that informed decision-making.

Conducted proactive risk assessments to identify potential vulnerabilities and developed robust mitigation strategies, safeguarding organizational assets and reducing exposure.

Performed bi-annual financial audits, delivering detailed recommendations and meticulously monitoring the implementation of corrective actions to strengthen financial controls.

Proactively monitored existing loan portfolios and credit accounts, identifying early indicators of deteriorating credit quality and implementing timely interventions to mitigate risk.

Drove continuous improvement initiatives for internal controls and audit processes, significantly enhancing efficiency and reliability across the organization.

Analyzed extensive client credit data, financial statements, and credit history to accurately assess creditworthiness and quantify lending risk levels, supporting sound credit decisions.

Evaluated complex financial ratios, cash flow statements, and collateral to facilitate informed credit decisions, contributing to a reduction in potential losses.

Developed comprehensive risk assessment reports for management, clearly articulating the degree of risk in extending credit to clients and informing strategic lending policies.

Leveraged client payment records and historical data to recommend optimized payment plans and credit limits, improving overall portfolio health and recovery rates.

Created and presented monthly portfolio performance reports to management, providing critical insights into portfolio status, risk exposure, and emerging trends.

Proactively monitored key portfolio quality indicators, identifying and flagging accounts with deteriorating credit performance for timely intervention and risk mitigation.

Collaborated effectively with relationship managers to structure balanced loan products, optimizing risk-reward profiles and maximizing profitability while ensuring client satisfaction.

Processed high volumes of cash, credit, and check transactions with 100% accuracy, maintaining excellent customer service standards and minimizing discrepancies.

Enhanced customer satisfaction by consistently delivering fair, friendly, and courteous service, fostering positive client relationships and improving retention.

Authored daily operational reports for the Operations Manager, providing critical insights into transaction volumes, identified issues, and key performance metrics for informed decision-making.

Managed and monitored vault cash levels, optimizing liquidity and preventing shortages or excesses, which ensured uninterrupted service delivery.

Reviewed and approved all account opening documentation, ensuring strict compliance with Know Your Customer (KYC) regulations and internal policies, mitigating fraud risks.

Maintained accurate and up-to-date customer records by meticulously verifying identification documents, enhancing data integrity and security.

Resolved customer complaints professionally and escalated complex issues to management, resulting in improved customer retention and satisfaction scores.

Ensured strict adherence to banking regulations, internal policies, and anti-money laundering (AML) procedures, mitigating compliance risks and maintaining institutional integrity.