Nicholas Peter has over 15 years of experience in financial services including portfolio management, credit analysis, product development, and risk management. He currently works as the Segment Head for MSME Propositions at Diamond Bank, where he is responsible for developing strategies to sell education products and sustain customer interest. Previously he held roles in retail monitoring, product management, and operations. Nicholas Peter has an MSc in International Marketing Management and Strategy and an MBA in Marketing.

1. NICHOLAS PETER
Diamond Bank Plc Lagos
Mobile: 08088778302
E-mail: nicks22000@yahoo.com
Personal Profile:
I am an enthusiastic team player, with strong experience in the financial services sector
- deeply skilled in product development/Risk management.
Summary of Key Skills & Strengths:
• Portfolio Management
• Loan/Credit Documentation
• Credit Review
• Income Assurance
• Product Development
• Project monitoring/syndication
• Credit investigator
• Credit Advisory
• Forensic review experts
• Remedial Management
• Collateral Management
• Credit Product Development
• Suggest new product innovation
ideas
• Presentation and communication
skills
• Negotiation skills
• Sound banking operation
knowledge
• Structured problem solving skills
• Sound knowledge of the West
African financial Institutions
Career History:
(Dec 2014 –Unit date) –Segment Head – MSME PROPOSITION.
• Craft a strategy for selling education products and sustain existing and
potential customer interest in the products
• Clearly identify the phase of the product life cycle which education
products currently occupy and manage them through each phase
• Liaise with sales teams (Direct sales team and the MSME bankers in the
branches) and provide them with the necessary promotional materials to enable them
to sell the education products
• Provide education products training to the sales teams and other members
of the retail network as may be required (presentations, site visits, joint marketing
calls)
• Ensure the sales teams are kept up to date on new developments
regarding the bank’s and competitors in the education sector.
• Conduct daily, weekly and monthly and other periodic reviews of
education products to establish trends, patterns and characteristics that can be
shared with the sales teams
• Act as first point of contact for all education products enquiries emanating
from the network and ensure any enquiry or issue raised is addressed.
• Assess the suitability or otherwise of the current promotional materials by
liaising with sales teams (Direct sales team and the MSME bankers in the branches)
and also ensure that all promotional materials are optimally utilized.

2. • Conduct market research (either for new product introduction or to gauge
customer attitudes to the education products) and recommend action plans from the
research.
• Develop and maintain an up to date industry-wide comparison matrix of all
similar products to education products and each MSME product
• Develop the annual marketing plan and for controlling advertising,
promotion expenses within budget.
• Prepare education products product performance and profitability reports
Develop initiatives to manage customer attrition and keep education products attrition
rate low by ensuring education products accounts remain active
(April 2011 – Dec 2014) – Retail monitoring Team Lead - Lagos/West.
Key Roles & Responsibilities:
• Providing quality service to internal customers through undertaking risk
assessment analysis of various types of lending proposals;
• Analysing financial information, such as statements, management accounts
and cash flow statements;
• Assessing the credit worthiness of client companies;
• Advising and recommending changes to policy and procedure;
• Liaising with other staff within the bank, such as account managers and
product specialists;
• Helping to ensure that procedures comply with sector standards;
• Staying informed about the legal, compliance and market-risk-related issues
involved in the approval of credit
• Loan portfolio superintendence monitoring, performance tracking & risk assets
profiling.
• Credit advisory transactions guidance, loan structuring, restructuring and payment
rescheduling
• Risk concentration review industry, business segment, single obligor and risk
measurement.
• Credit review-post disbursement & dynamics compliance, approval powers
(DLA’s) compliance.
• Credit audits-audit of branches, lending units/departments and subsidiaries.
• Loan age & maturity review alerts, age profiling, recovery, liquidation, and book
management advisory.
• Loan documentation assessing completeness, adequacy, legal status and deferral
tracking.
• Credit investigations whistle blowing, exception reporting, escalations and
sanctions enforcement.
• Credit rating classification (prudential guidelines), internal credit rating, watch-
listing.
• Transactions audit loan sampling, forensic reviews, reporting.

3. • Loan products assessment default rate analysis- demographic, peer review,
branch/units.
• Collateral management tripartite Warehousing, Stock Monitoring/Supervision and
Agent Selection.
• Income audit review Fees, Charges, Interest Rates, COT Concessions,
Covenants
 September 2007-April 2011 - Product Manager. (Small Business Loan,
Consumer Loan and Liability products)
Key Roles & Responsibilities:
• Define small business and consumer loan product strategy and characteristics
• Manage new product development
• Scan markets to identify high performance products
• Identify and suggest new product innovation ideas
• Own product performance and quality
• Support channel managers to map products and bundles to customer needs
• Define and create product/segment specific marketing plan/campaigns
• Assist in the delivery of marketing campaigns
• Coordinate all new product launch activities for small business and consumer
loan products
• Participate in cross business unit product innovation and prioritization
committee
• Accountable for P&L reports for small business and consumer loan products -
owns budget and business plan for small business and consumer loan
products
• Collaborate with branch/regional managers in the delivery of product specific
sales and service
• Participate in the design and management of SLA’s with relevant product
partners
• Conduct regular trainings and quality awareness sessions for branches
• Make presentations to identify market segments in liaison with Branch
Banking, National Corporate & Corporate Banking Divisions
• Conduct annual customer satisfaction surveys in liaison with Customer
Relations.
• Review product features regularly with a view to modifying or enhancing the
product offering.
• Portfolio Management.This is achieved by providing regular updates and
information on Liabilities Products –SavingsXtra, HIDA & Diamond Kiddies
• To Implement and enforce agreed strategies for SavingsXtra account and also
to ensure that the reward scheme is adequately monitored
• To Maintain strategic relationship with key business partners to achieve our
Retail Banking objectives and agreed strategies
September 2005-April 2007: Dynamite Services Ltd UK –Consultant
Key Roles & Responsibilities:

4. • Verification and status confirmation of online applicants to enable generation of
first stage client credit profiles.
• Appraisal of clients’ portfolios in relation to credit files to determine the level of
justifiable exposures.
• Effecting and arranging direct and indirect client meetings to discuss approval
limits and determinable APRs.
• Involved in the quarterly verification and analysis of paybacks and risk exposures.
• Managing and monitoring processes and compliance procedures for creating
individual credit portfolios.
• Liaising with foreign / International banks on funds disbursement and
expectations.
• Checking recorded transaction for Quality Compliance.
Institution: Broad Bank of Nigeria Ltd. V/I. Lagos.
Designations: Customer Service manager.
– June.2004 TO –SEPT.2005
Key Roles & Responsibilities:
• Responsible for operational processes and ensure timely service delivery at all
times
• Review of internal processes and ensure they are in line with industry best
practices.
• Effective reconciliation of internal ledgers
• Give guidance and training to operations personnel and ensure adherence to all
control processes.
• Keep customers informed of new products/applications and technology.
• Monitoring of expense lines to ensure it's within budget limits.
• Monitoring Investment Portfolios of Banks Branch High Net worth Customers and
raising sales and offers on Bankers acceptances, Commercial papers, Treasury
Bills and other money market instruments.
• Managed and Monitored Banks Daily Inter bank settlements Transfers and debit
via CBN (Central Bank)
Institution: Broad Bank of Nigeria V/I Lagos. 2001 to 2004
Designations: Cash Officer/FT Officer/Counter Service Ass.
Key Roles & Responsibilities
• Functioned in the Investment Banking Group and Banking Operations Unit
• Managed Corporate Clients Accounts
• Provided Daily Systems Transaction Logs to High Net Worth Global Corporate
Clients.
• Prepared Weekly Money Trend Analysis
• Treasury Operations and Clearing; Handled the branch’s Money Market
Instruments on behalf of Customers, was banks’ Branch Clearing representative
to the Central Bank.

5. • Improved efficiency & effectiveness of all Customer Information Systems operations &
processes in the branch
• Managed a team of Branch’s Operations Staff and recorded improved TOT
processes.
July 2000 to Jan 2001: (Internship) National Youth Service Corp: United Bank
for Africa plc
Key Roles & Responsibilities:
• Credit/overdraft analyses and review
• Preparing availing and offer tickets for approvals
• Relationship management - managed relationship with regards to existing
customer aimed at creating excellent customer services and increasing volumes
(deposit)
• Marketing of various banks product
Education & Qualifications:
• 2007: MSc International Marketing Mgt. & strategy University Of East London
• 2003: MBA Marketing University Of Nigeria South East Nigeria
• 1999: BSc marketing, University of Uyo Akwa -Ibom South South Nigeria. (2.2)
Further Training/Courses:
• Finacule soft ware in-house Training, IFlex Consultants
• Phoenix soft ware in-house Training.
• Tele-Banking Operations (back-end maintenance)
• Value-Card Operation (back-end maintenance)
• Basic Accounting & Financial Markets, Arthur Anderson & Co
• Credit And Banking Operations, in-house training
• Customer Excellence and Sales processes TVQ
• Selling Skills and Relationship Management. KMPG
• Mobile Networks and Business Strategy
• How banks Make Money
• Financial Control Issues and processes
Postgraduate Courses & Research Work:
• Evaluating mergers and acquisition as a strategic option for growth of
shareholders Wealth in Nigeria banking sectors: The case of UBA plc & IB plc.
• Market entry Strategy of Global Firm to Emerging Markets
• Brand As Personality And International Marketing Implication
• Emerging Market And International Marketing Implications
• The International Marketing Potential Of Mobile Services
• Quantitative Research Methods

6. • Foreign Direct Investments in Multicultural Emerging Markets
• B2B Internet Buyer Behaviour Low Involvement &High Involvement Goods
• Fair Trade Branding-An Umbrella Brand? Analysis And Prognosis
Additional Information:
References: Details of referees are available upon request

7. • Foreign Direct Investments in Multicultural Emerging Markets
• B2B Internet Buyer Behaviour Low Involvement &High Involvement Goods
• Fair Trade Branding-An Umbrella Brand? Analysis And Prognosis
Additional Information:
References: Details of referees are available upon request