Our Management

Meet Our Management Team

Mr Emmanuel Daniels - Managing Director

He has over 25 years of banking, finance and consultancy experience with strong background and competencies in risk management, operations, finance, treasury, internal control, branch management, human resource optimization, international trade, project management as well as strategic planning and execution. Emmanuel Daniels earned his Bsc in Accounting (Second Class Upper) from University of Uyo and his MBA in Finance from University of Ado Ekiti. He is a fellow of the Institute of Chartered Accountants of Nigeria (ICAN) and Chartered Institute of Taxation of Nigeria (CITN). In addition, he has studied professional courses in accounting, taxation and finance with London School of Business & Finance, United Kingdom.

Following his undergraduate work, he spent 15 years in banking with Stanbic IBTC Bank (formerly Stanbic Bank); a leading African banking group focused on emerging markets globally, having been a mainstay of South Africa's financial system for 150 years and now spans 16 countries across the African continent. His subsequent experience includes an involvement with Highly Skilled Migrant Programme (HSMP) at United Kingdom where he expanded his wealth of experience to engage in consultancy, facility management and financial advisory services. Shortly after his return from HSMP, he established HONIM Professionals, a consulting organisation with focus on developing and strengthening micro, small and medium enterprises (MSMEs).

He is an advocate of South-South entrepreneurship and the founding President of Ibom Entrepreneurship Society. He has attended several local and international courses on a wide range of areas covering banking, consultancy, leadership, and management. Also, he is a practitioner of ethical business and has won many professional and academic awards. Lastly his other strategic involvement is preaching the Word undiluted.

Mr Emmanuel Daniels - Managing Director

He has over 25 years of banking, finance and consultancy experience...

Barrister Esther Rijhumall Umoette - Head, Business Support Unit

A skilful manager of people and resources; with a dynamic 14 years' working experience which cuts across the Legal Profession, Telecoms, NGO and Microfinance Banking Industry. She is the Head of the Business Support Unit and responsible for the overall management of the Legal, Administrative and Human Resources Departments of the bank.

An essential adviser on legal matters, customer service management, Human Resource affairs management, credits, governance initiatives, collateral and debts recovery. Barrister Esther Rijhumall Umoette holds a Bachelor’s Degree in Law, University of Uyo, Akwa Ibom State and was called to the Nigerian Bar in 2003

Barrister Esther Rijhumall Umoette - Head, Business Support Unit

A skilful manager of people and resources...

Mr Iwu Cyprian Ozuruonye - Head, Finance and Operations Unit

A skilled microfinance banker with 23 years' experience in the community and microfinance banking industry. He started his banking career with Awete Community Bank as Accounts Supervisor and was later promoted to Accountant. He has held Managing Director positions in Evo Community Bank and Onima Microfinance Bank.

He holds a HND in Accounting in Osisiatech Polytechnique Enugu State; a PGD in Madonna University Okija, Anambra State and a certified microfinance banker with MCP and CIBN qualifications. He is also a member of CIBN.

Mr Iwu Cyprian Ozuruonye - Head, Finance and Operations Unit

A skilled microfinance banker with 23 years...


Mrs Ekaette Nelson - Head, Operations Unit

A skilled banker with 9 years' experience in the Microfinance Banking sector. She started her banking career with Gufax Micro Finance Bank, where she served as Head of Customer Service, Acting Head of Credit, Head of Operations and then Head of Marketing. She holds a B: Ed in social studies from the University of Uyo, Akwa Ibom State.

Mrs Ekaette Nelson - Head, Operations Unit

A skilled banker with 9 years' experience...

Miss Mary Bassey Effiong - Head, Business Development Unit

A skilled microfinance Banker with 8 years' experience in the microfinance and mortgage finance industry. Mary started her banking career with Palmcoast MFB as a Sales Representative where she gathered experience in the supervision of Akpan Andem Market as well as the Oruk Anam and Afaha Nsit centres as a Center Supervisor.

She also served as the Acting Head of the Marketing Unit after which she joined Mutual Alliance Mortgage Bank as the Head, Retail & Savings Unit. Mary has an OND in Business Studies from Calabar Polytechnique Cross River State and a HND in Accounting from Heritage Polytechnique Eket, Akwa Ibom State

Miss Mary Bassey Effiong - Head, Business Development Unit

Adeyoola has vast experience of over 10 years...