EFUA OLATUNDE GBADAMOSI

Product Strategy and Development:

• Market Research and Analysis: Conduct in-depth analysis of market trends, competitive landscape, client needs, and regulatory changes to identify new product opportunities or enhance existing offerings.
• Strategic Planning: Develop and execute comprehensive product strategies aligned with the bank's overall business goals, including product roadmaps, positioning, and target markets.
• Product Innovation: Drive the conceptualization, design, and development of new trade finance products and solutions, often leveraging technology (e.g., blockchain, AI) to improve efficiency and client experience.

Product Management and Optimization:

• Lifecycle Management: Oversee the entire product lifecycle, from ideation and development to launch, growth, maturity, and eventual retirement.
• Performance Monitoring: Track and analyze product performance against key metrics (e.g., revenue, profitability, market share, client adoption) and identify areas for improvement.
• Pricing Strategy: Develop and implement competitive pricing strategies for trade finance products to ensure profitability and market attractiveness.
• Risk Management: Collaborate with risk, compliance, and legal teams to ensure all products adhere to internal policies and external regulatory frameworks (e.g. CBN regulations, AML, sanctions).

Sales Enablement and Client Engagement:

• Sales Support: Provide product expertise, training, and collateral to sales teams to help them effectively promote and sell trade finance solutions to clients.
• Client Advisory: Engage with key clients to understand their trade finance needs, gather feedback, and provide tailored solutions and advisory services.
• Thought Leadership: Represent the bank at industry conferences, seminars, and client events to showcase product capabilities and contribute to thought leadership in trade finance.

Cross-Functional Collaboration:

• Internal Stakeholder Management: Work closely with various internal departments, including technology, operations, legal, compliance, risk, credit, sales, and marketing, to ensure seamless product delivery and support.
• Operational Efficiency: Collaborate with operations teams to streamline processes, improve service delivery, and enhance the overall client experience.
• Technology Integration: Partner with technology teams to ensure that product solutions are robust, scalable, and integrated with existing systems.

Solution Design and Structuring:

• Customized Product Development: Analyzed client's trade cycles, working capital requirements, and risk profiles to structure bespoke trade finance solutions (e.g., supply chain finance, receivables discounting, structured commodity finance, syndicated and export credit agency-backed deals).
• Product Expertise: Applied in-depth knowledge of various trade finance instruments such as Letters of Credit (LCs), Guarantees, Receivables Finance, Payables Finance, Documentary Collections, and their variants in solutioning for clients.
• Financial Modeling: Developed financial models to assess the viability, profitability, and risk of proposed trade finance structures.

Client Advisory and Engagement:

• Needs Assessment: Worked directly with clients, relationship managers, and sales teams to understand specific business challenges, strategic objectives, and financial needs related to their international trade activities.
• Solution Presentation: Clearly articulated complex trade finance deal structures and their benefits to clients, internal stakeholders, and credit committees.
• Relationship Management Support: Acted as a subject matter expert, supporting relationship managers in client pitches and ongoing advisory.

Risk Management and Mitigation:

• Credit Analysis Support: Collaborated with credit teams to assess client and transaction creditworthiness, identify potential risks (country risk, counterparty risk, operational risk, legal risk), and propose appropriate mitigants.
• Documentation Review: Reviewed and negotiated legal documentation (e.g., facility agreements, security documents) to ensure structured solutions are legally sound and enforceable.
• Compliance Adherence: Ensured all structured deals comply with internal policies, regulatory requirements (e.g., AML, sanctions, Basel III), and international trade rules (e.g., UCP).

Internal Collaboration and Coordination:

• Cross-Functional Liaison: Worked closely with various internal departments including Sales, Relationship Management, Credit, Legal, Operations, Compliance, and Product Management to facilitate the end-to-end execution of structured trade deals.
• Process Improvement: Identified opportunities to enhance internal systems and controls related to trade structuring and execution.

Market Intelligence and Training:

• Market Analysis: Stayed abreast of global trade trends, economic developments, geopolitical events, and competitive landscape to inform structuring approaches and identify new opportunities.
• Product Knowledge Sharing: Provided guidance to Banking, junior analysts and sales teams on structured trade finance products and solutions.

• Drove export sales growth and converted business opportunities for non-oil exports.
• Conducted periodic training and upskilling of business teams on non-oil export strategies.
• Provided bespoke non-oil export proposals and strategy development for potential and existing exporters.
• Delivered trade export advisory and support services, including client workshops and seminars, to scale trade exports.
• Engaged with credit and insurance agencies, and investors, for risk participation in complex commodity trade transactions.
• Organized joint sessions, workshops, and webinars to showcase Citi's global trade financing capabilities for domestic offerings.
• Provided training and thought leadership to drive value-added non-oil export growth.
• Collaborated with non-oil export sector players and the World Bank to develop electronic warehouse receipt systems, improving transaction-based lending for agro-commodity clients and exporters.

• Supported clients in executing import trade in compliance with regulatory requirements.
• Assisted import clients in diversifying export sales earnings through foreign currency strategies.
• Engaged clients to address trade working capital needs with Citi's financing solutions.
• Collaborated with the Cash Management Solutions Team to deliver bespoke trade solutions for clients' supply chain needs.
• Supported the Trade Operations Team in resolving client trade inquiries and challenges in exports & imports.
• Engaged with regulators to secure necessary approvals for non-oil exports, manufacturing, and agro-commodity clients.

• Developed and executed the bank's non-oil export strategy.
• Identified and converted non-oil export opportunities in collaboration with business teams.
• Organized trade export workshops with export promotion bodies (e.g., NEPC) for SME sensitization and capacity building.
• Liaised with critical stakeholder groups to enhance the bank's export visibility.
• Grew non-oil exports, propelling Firstbank to a top 3 ranking among non-oil export banks by 2022.
• Achieved significant non-oil export volume growth of 300% (from $150M to $575M) in 2022.
• Partnered with Nigerian chambers of commerce to raise non-oil export awareness and opportunities.
• Co-facilitated Lagos Trade Fair initiatives to sensitize SMEs on non-oil exports.

• Collaborated with global digital trade platforms to de-risk export financing ecosystems.
• Developed the product paper for the bank's supply chain finance offerings.
• Provided bespoke structured trade finance solutions for commodity exports.
• Structured export trade finance solutions in close collaboration with the Credit Team.
• Liaised with SSA and UK subsidiaries to convert Structured Trade Commodity Finance (STCF) transaction opportunities.
• Diversified the bank's sources of FX liquidity.
• Enhanced the bank's visibility and awareness as an export-oriented institution.
• Delivered export-focused training and capacity building bank-wide.
• Represented the bank in export forums and led key discussions.

• Drove export process improvements in collaboration with Foreign Banking Services and other relevant units.
• Collaborated with the Information Technology team and external vendors to build the bank's automated trade platform.
• Partnered with DFIs and strategic offshore banks to develop unique export solutions for clients.
• Spearheaded the bank's adoption of Afrexim's PAPSS and the AfCFTA agenda.Responsible for developing and executing the Non Oil Export strategy of the Bank.
• Responsible for identifying non oil export opportunities, sales and converting opportunities with Business Teams.
• Held trade export workshop in conjunction with Export bodies including Nigeria Export promotion Council (NEPC) for sensitization and capacity building for non oil exports SME clients.
• Liasing with critical stakeholder groups to increase export visibility for the Bank.
• Responsible for growing the Bank Non oil Exports and moving Firstbank to rank in the top 3 non oil export bank in 2022.
• Witnessed a significant growth in non oil export volume by 300% from $150million to $575Million in 2022.
• Jointly facilitated the Lagos Trade Fair initiatives to sensitize SMEs on non oil export awareness and opportunities for its members.
• Trade Export Financing & Capacitation:
• Worked with global digital trade players to orchestrate export ecosystem to lower financing risk from exports.
• Developed the product paper for supply chain finance for the bank.
• Providing bespoke structured trade finance for commodity exports.
• Worked closely with the Credit Team to structure Trade finance solution for Exports.
• Liase with the Bank’s SSA and UK subsidiaries to convert STCF transaction opportunities
• Responsible for diversifying the sources of FX liquidity of the Bank.
• Responsible for creating visibility and awareness for the Bank as an Export Oriented Bank.
• Handle Training and capacity building for Export across the Bank.
• Representing the Bank in Export forums and driving Export discussions.
• Trade Digitization and Process Improvement Initiatives:
• Responsible for driving export process improvement with Foreign Banking Service and other relevant Units of the Bank.
• Worked with the Information technology team and external vendors to build the Bank’s automated trade platform.
• Collaborated with DFIs and developing strategic Partner banks offshore to develop unique export solutions for clients
• Responsible for driving the Afrexim’s PAPSS and the Bank’s AfCFTA agenda.

• Responsible for growing Trade transactions by driving import and export transaction across the various Business Units of the Bank.
• Identify viable business projects, sectors, provide sectorial intelligence in line with economic changes and devised strategies to grow trade transactions for the Bank.
• Train Relationship Managers across the Bank’s Strategic Business Units on spotting trade opportunities, financing and structuring trade transactions.
• Drive digitization across cash and trade processes by onboarding corporate clients on e-payments, e-and trade on electronic platforms.
• Assist Business Units to structure transactions by providing expert finance, credit and business risk analysis and overseeing transactions from start to finish.
• Interpretation of regulatory trade and cash policies and its impact on trade and finance and offer bespoke solutions to enable customers comply and adapt in a cost effective manner..with indepth LCs, SBLC and Local BGs workability.
• Review and analyze product performance across business units and initiate product development requests to address customers’ needs.
• Work with Group Heads of Corporate Banking Group to drive strategy to grow trade finance and liquidity management solutions.
• Deal origination and consultative selling with Corporate Banking relationship teams to Identify, analyse current and potential customer needs to profile applicable solutions to meet identified needs.
• Provide feedback from clients to aid product & solutions development/enhancements.
• Identify, analyze current and potential customer needs to profile applicable solutions to meet identified needs
• Review and Analysis of product performance across business units and work with BPM for budget formulation and cascading.

• Supported the startup of Transaction Banking Group in Firstbank of Nigeria Plc and worked with Corporate and Retail banking to deepen trade products penetration with clients.
• Periodic trade clients visits to provide tailored Trade solutions to meets clients needs.
• Engaged in Bankwide training on trade products.
• Worked within the team to develop LC products to support cash collaterised LCs for clients toso as to reduce FX risk for clients.
• Identify viable business projects, sectors, provide sectorial intelligence in line with economic changes and devised strategies to grow trade transactions for the Bank.
• Worked as part of the Transaction Bnaking Team to develpop First Trade platform to automate Trade LC initiation and processing.
• Responsible for training clients on the automated trade platform usage.

• Managing Banking relationship with Corporates Banking clients playing in Agro, Manufacturing and Automobile sectors.
• Responsible for creating quality risk assets, performing environmental scan, analyzing business environment of customer’s industry to ensure asset quality is maintained.
• Project and contract credit analysis and review to determine viability and best finance options for the Executive Management’s approval.
• Providing guidance and advisory services on treasury activities, cash management solutions, finance and cost effective cross border payment options to customers.
• Monitor Loans and Keeping abreast with the economic operating environment for corporate banking customers to ensure that the risk coloration of asset is not adverse and to bring unfavorable changes to management’s attention.
• Monitor the performance of the unit by tracking actual revenue and income and comparing same against the Management Information System (MIS) figures to ensure complete reporting.
• Responsible for budget preparation for the team and liaising with Business Performance Monitoring (BPM) department to ensure that the Key Performance Indicators are in line with the team’s strategy.
• Responsible for tracking the team’s performance on a monthly basis in line with budget to ensure budget achievement.
• Devising/reviewing business strategy with market and economic outlook and review short term strategies with changes in the market.
• Responsible for generating business intelligence information to facilitate prospecting of new relationships, improve value chain by reviewing business/industry segment in line with the operating environment to grow the team’s portfolio.
• Handling customers’ trade transactions, overseeing their import transactions to ensure an error free process in line with CBN regulations.
• Establish and Monitor the documentary credit and collection process.
• Responsible for growing the unit’s trade portfolio by about 1000% in the last two years.
• Query resolution and providing tailored services to meet customer’s requirements.

• Managing Banking relationship with Multinational conglomerates in Trading, Agro and Manufacturing sectors.
• Working with Foreign banking Operations to resolve trade related enquiry for clients and ensuring seamless end to end processing of trade transactions.
• Responsible to preparing preliminary underwriting and credit review for senior review and sign off.
• Independently developed a tracking register to monitor the entire unit’s trade transactions to ensure seamless flow of information on trade cycle of customer’s transactions. (This has particularly helped to avoid regulatory infractions, errors, delay and demurrage for clients).
• Monitoring of the Unit’s credit approvals are in place and early processing of expiring approvals.
• Regular visits to clients for business development to win new deals or resolve any pending issues.

• Preparing aging reports to Management on receivables, Monitoring receivables and stock levels.
• Preparing Budget and projected sales figure and matching actuals for corresponding period for variance and provide variance report to Management.
• Preparing PFIs to customers and follow through to payment stage.
• Establish LCs and follow up with the Banks to ensure the transaction is concluded correctly and on time.
• Reconciliation of banks statements.
• Assist accounts department in providing inputs for financial statements on current assets.
• Confirming the cost and charges by the bank on trade transactions and finance facilities (this has particularly helped us discover that an LC was remitted twice).

• Review inventory records
• Follow up with payments from dealers for outstanding invoices
• Prepare aging analysis records
• Monitor payments and assist in Bank reconciliation exercise

• Deposit mobilization and business development
• Financial advisory services to high net worth customers.
• Maintain relationship with customers.
• Provided guidance to potential and existing customers on account options and other financial products.
• Credit and risk analysis for facility request.
• Budget preparations and review of performance and portfolio Management.

• Trained for safety in flight with NCAO certificate for DC9 and Boeing 737
• Handled Local and West Coast flights.
• Responsible for inflight safety and comfort of passengers during flight.
• Developed interpersonal skills to relate in a multicultural environment.
• Trained in security and detection of hazards on flight.

• Providing financial and other information to customer on Bank products.
• Business Development with emphasis on target driven deposit mobilization.
• Handled front desk service and provided support for telephone banking services and switch board operations at Head office.
• Deposit mobilization and business development