This document is a resume for Johnson Olusola Adenowo, a Chartered Accountant with over 5 years of experience in financial analysis and credit management. He currently works as a Commercial Supervisor at ACCION Microfinance Bank, where he is responsible for financial analysis, credit evaluation, fund management, and supervising branch operations. Previously he worked as a Loan Officer and in consumer banking at First City Monument Bank. He holds a BSc in Accounting and is an Associate member of both the Institute of Chartered Accountants of Nigeria and the Chartered Institute of Taxation of Nigeria.

1. ADENOWO, JOHNSON OLUSOLA (B.Sc., ACA) Contact Address:
3, Tanimowo Close,
Mobile Numbers: +2348030627577, 08051701225 Off Oyebajo Street,
Email: adenowojohnson@yahoo.com Fadeyi, Lagos State.
Career Summary: An IFRS-Compliant Chartered Accountant with over five years work experience in
Financial Analysis and Credit Management. Knowledgeable and innovative
Credit/Fund Manager who effectively identifies and resolves client’s financial
issues; thrives in fast-paced and ever-changing business environment; whose
success is based on integrity, exceptional customer service, efficiency and ambition.
Career Objective: To secure a position, where my academic and professional skills and experience
can be applied to add value to the organizational bottom line, to gain knowledge of
business and financial activities in a responsive and supportive environment.
Interest: Great interest in building a career path with analytical duties and responsibilities,
through intellectual capability, study, observation and commitment to service.
Education: B.Sc. Accounting (2:1), Olabisi Onabanjo University Ago-Iwoye. 2007
Diploma in Business Admin, (Upper Credit) Olabisi Onabanjo University. 2003
SSCE, Abobi Comprehensive High School. 1998
Professional Institute of Chartered Accountants of Nigeria (ICAN) Associate (ACA)
Certification: Chartered Institute of Taxation of Nigeria (CITN) Student Member
Computer Skill: Word, Excel, PowerPoint, Outlook, Peachtree, Sage 50, Internet Sourcing.
Technical Skills: IFRS Compliance and Knowledge,
Account Payables and Receivables Management,
Accounts Reconciliations, General Ledger Maintenance,
Budgets, Forecasts, and Cash Management,
Financial Modeling and Inventory Management,
Capital and Operating Expenditure Analysis and Controls,
VAT Analysis and Management,
Financial and Performance Reports Preparation and Presentation.
Publication: An Appraisal of the Accounting System in the Oil and Gas Industry;

2. A Research Project Work submitted to the department of Accounting,
Olabisi Onabanjo University (April, 2007)
Work Experience: ACCION Microfinance Bank Ltd. Nov. 2009 to Date
Commercial Supervisor (Fund Management-Loans and Savings)
Responsibilities:
• Financial Analysis, Credit Evaluation and Fund Management
• Analysing Financial Statements of the SMEs for SME Financing
• Building healthy Loans and Savings Portfolio; Monitoring Loan Evaluations
• Review Credit Policies, Processes and Procedures with allocated Staff
• Presiding over Credit Committees, Approving Loans within Authority Limit
• Managing/Supervising Branch Affairs in conjunction with Branch Manager
• Managing allocated staff (Loan Officers, Savings and Collection Officers)
• Promoting Products, Originating clients, Providing high quality customer
service
Loan Officer (Credit Analysis)
Responsibilities:
• Computing Statement of Cash flow and Statement of Financial Position of
the clients’ business
• Computing Accounting ratios to evaluate Credit Worthiness of Clients
• Recommending Credit Value to be given to clients based on the computed
ratios and other relevant non-financial information
• Presenting the loan file of clients at the Credit Committee
• Managing the loan portfolio; Monitoring and Controlling Repayments,
Delinquency Management; Following up on delinquent clients
First City Monument Bank (FCMB) July 2009 - Nov. 2009.
Consumer Banking
Responsibilities:
• Acquired new customers and maintained sales records and gave reports of
acquisition to the sales manager.
Personal Attributes: Analytical and Quantitative Skills Integrity and Ethics
Excellent Communication Skill Good Interpersonal Skill
Flexibility and Adaptability Team Spirit and Result Driven
Time and Stress Management Skill Innovation and Creativity
Leadership and Organizational Skill Goal Congruence
Referees: Available on request