Victor Oyebamiji

I’m a Commercial Banking Officer with experience across Lotus Bank and FairMoney Microfinance Bank, focused on originating business loans and mobilizing working capital across middle-market and SME portfolios. I’ve onboarded 3,000+ clients and mobilized over ₦5 billion in deposits, while keeping strong credit discipline through underwriting collaboration.

In my current role as a Relationship Manager - Business Developer, I originate SME and merchant loans and drive working capital solutions across sectors like FMCG, retail, pharmacy, and hospitality. I manage credit documentation through to disbursement, partner with Credit and Risk teams on underwriting decisions, and support post-disbursement monitoring to maintain a non-delinquent loan book.

At Lotus Bank, I built and managed a corporate client portfolio, delivering credit evaluation and deposit mobilization while tailoring loan products to client needs and risk appetite. I also spearheaded a process improvement initiative that reduced operational inefficiencies by 25% and improved client reporting turnaround, delivering financial reports at 95% accuracy within a 3-day close period.

I bring a deep background in credit evaluation, portfolio management, and risk collaboration, with a strong client-relationship and business-development mindset. I’m energized by roles where I can grow portfolios, strengthen repeat borrowing through structured reviews, and continuously improve operational performance.