RESUME

LYDIA LEGBOSI YOBANA

2O Iwopin Close, Garki Area 1
Abuja, Nigeria
Mobile: 234 7085460997
E-Mail: [email protected]
Nationality: Nigerian

PERSONAL STATEMENT
To be part of a growing and dynamic institution, where I can contribute my modest skills towards significantly affecting the organization positively, while further sharpening my skills.
PROFILE
An award winning, highly accomplished and experienced Manager, with consistent track record of performance on exceeding group targets, positively impacting on corporate objective and goals. Combining a string of products to delight customers, sustain loyalty and patronage. Passionate on using systematic plan strategies, towards managing diverse portfolio of products. Exceptional on motivating diverse teams for enhanced productivity and Group/Corporate goals achievement.
AREAS OF EXPERTISE/SKILLS
· Integrity, Loyalty, Passionate, Emotionally Intelligent.
· Self motivating. Taking up challenges head-long and achieving with little supervision.
· Good team player, Resilient
· Collaboration, fairness and partnership
· Translating challenges into stepping stones for resounding achievement

· Versatile in knowledge dissemination to team members towards achieving together.
· Team motivation, enthusiasm for achievement.
· Love of chosen career path.
· Willingness, helpfulness, painstaking, cheerful and resourceful.
· An analytical mind with good organizational skills
· Creative, initiative with excellent oral and written skills
· Versatile and passionate in Customer service and Relationship management
CAREER HISTORY
Financial and Real Estate Consultancy – December 2010- Date
FIRST CITY MONUMENT BANK PLC
Zonal Head, Port Harcourt Zone 2, April 2010 to 29th November 2010
· Managing five (5) Branches in Port Harcourt City for enhanced integration, closer customer engagement and market penetration.
Area Manager 2, Port Harcourt, November 2009 to March 2010
· Supervision of four (4) Branches in Port Harcourt to drive Profitability
Branch Manager, Retail and Commercial December 2008 to Nov 2009
· Maintenance of existing Customer relationships and identification/establishment of new ones
· Driving deposit liability growth in the Branch
· Identification of Customer account needs/buyer values and the proactive provision of product/services to meet them
· Supervision of the appraisal/review of customer facility applications
· Management of credit portfolios of assigned market team(s) and the structuring of credit facilities to address customers needs
· Constant review of customer segment marketing strategies/goals to make recommendations to management as appropriate
· Overseeing the maintenance of comprehensive database information on all existing customer relationships
· Monitor and ensure customers’ compliance with credit agreements
· Present to and defend proposals before the Credit Committee
· Provision of on-the job training for Profit centre Managers and Relationship Officers
· Monitor the Branch Performance against monthly/quarterly/annual plans
· Preparation of Monthly Profitability Report (MPR) to the Group
· Appraisal of Direct reports

INTERCONTINENTAL BANK PLC
Branch Manager, Aba Main Branch
Branch Cordination -July 2008
Relationship Manager, Commercial Banking/National Corporate – 2007 to July 2008
· Managing key National Corporates with Portfolio volume of over N5Billion
· Managing and financing Distributors of Key Cement and Brewery Companies
· Arranging of Loan syndication for financing of high volume Foreign currency deals
· Managing of two Commercial Banking teams and National Conglomerate comprising of 13 Staff.
Relationship Manager, Manufacturing & National Conglomerate – February 2006-2007
· Started Business Unit from Zero level, making profit from the first month.
· Grew start-up balance sheet size to over N2Bilion in six months.
· Source for deposits to fund asset portfolio, for cost effectiveness and profitability.
· Ensuring to maintain desired loan to deposit ratio of a maximum of 70:30 as per corporate policy in order not to exceed lending limits and maintain necessary liquidity.
· Establishing of LC for Import finance transactions, advising customers on regulatory requirement in line with CBN policies.
· Arrange foreign currency financing through US Exim Bank/Afriexim for customers as may be desired for their business growth and expansion.
· Arranging refinancing of long term Assets to Blue chip companies by way of Commercial paper (CP) for improve liquidity and profitability.
Relationship Manager, Oil Services & Exploration July 2004-February 2006
· Arranged various funding facilities for key customers towards execution of contracts for oil majors
· Arranged Equipment leasing facilities for procurement of rigs, tug boats, house boats for key local players in the Oil and gas sector towards efficient execution of oil contracts and enhancing company growth
· Intermediation in loan syndication arrangements for volume funding of business projects
· Sourcing of volume businesses in local and foreign currency
· Managing of business relationships effectively towards garnering brand loyalty and repeat business.

· Alco monitoring and development, Monthly Performance Reporting and appraisals.
· Providing financial advisory services to customers, giving them broad spectrum choices in growing business volumes and profitability
· Managing domiciliary accounts, Letters of credit and general import financing services towards relationship management
· Cross-selling on relationships towards providing a one-stop financial delivery basket to customers
· Managed an average of ten (10) employees in a team towards enhanced group performance and achievement.
Relationship Officer, Oil services, 2003-June 2004.
· Sourcing of Risk Asset businesses for the Sector
· Processing of Credit review summary for facilities, appraising and presentation to Credit committee, disbursement and Management of credits
· Sourcing of new liability businesses from the Oil and gas sector and other ancillary businesses
· Timely report rendition, monitoring of Cabal growth and marketing.
Head, Treasury/FX, 2002-2003
Head of funds Transfer/Cash Officer, 1999-2002

SAVANNAH BANK NIGERIA PLC. 1994 – 1999
· Cash operations, Funds transfer, General ledger bookkeeping and balancing, Treasury management, Credit Administration, Auditing and control functions, Personnel Administration functions
AWARDS:
· Star prize winner of Group Chief Executive (Intercontinental Bank Plc) Award for Deposit Mobilization, February, 2007
· Exceptional Performance Award, (Intercontinental Bank) – 2003

EDUCATION
· Master of Business Administration (MBA) in Business Management, Enugu State University of Technology – 2006
· Bachelor’s of Science (BSC) Hons Degree in Banking and Finance, RSUST, Port Harcourt – 1992-1997
· General Certificate of Education (GCE) – 1987
· West African Schools Certificate (WASC) Birabi Memorial Grammar School, Bori Rivers State – 1979-1983
COMPLEMENTARY EDUCATION/TRAINING
· Diploma in Ministry – DUNAMIS School of Ministry (DUSOM) August 2014, ABUJA
· Solomon Business School, DIGC, ABUJA – February 2012
· Senior Management Training Programme, Team Building Africa, Lagos April 2010
· Retail Lending Fundamentals Course, Omega Performance, London February 2009
· International Trade Finance Course, 2005
· Moody’s Risk Analysis Software Training, August 2004
· Advance Credit Appraisal Course, 2004
· Treasury Management for Relationship Management Training Programme, 2003
· Relationship Management & Marketing Strategies-Creating and nurturing Relationships Sept, 2003
PROJECTS /WORKS
· Nigerian Stock Exchange, Its challenges and Prospects
· Creating Industrial (Banking) Wage Policy and growth in the Banking Industry.
INTERESTS
· Reading
· Traveling
· Cooking
REFERENCES
· TO BE PROVIDED AT REQUEST