₦airaland Forum

LyfeJennings:
Kilode
U wan kill me
2001 till now farrrr die
It was just about 3years ago
I came into the system as ABO in 2019
Spent three years on it
But I switched to investment banking
I didn't start my banking career till about 2014

I'm not saying you would have moved from BO to Manager in 23 years (2001 - 2024) lol. I meant in 18 months. You still made a good move. Banking in Nigeria today is not sound professionally for the staff and is not likely to change anytime soon because the banks are making money and planting there people in government. Zenith bank ex GM is now the VP. A zenith bank ex-GM is not the MD of either NIPC or NEPC. Ex Zenith DGM is now the MD of NPA. An ex zenith MD was CBN gov till 2023. An ex Zenith GM is also serving as minister of trade or so. At the state level they are also there. Mind you these are people that worked with Jim Ovia directly when he was GMD/CEO. Current breed of MDs are not match

LyfeJennings:
Let me use myself as an example.
I met and surpassed my deposit target 4months in a Nigerian bank
I did about 5billion as a B.O
Even ordinary clap, I no chop, not to talk of promotion
One of the banks I worked with
My direct manager stayed 12 years as a DM before being promoted in 2022
I'm not saying she's not smart but she's a high level political player to have attained that height
Mind you, the question of how she got money to be the single largest shareholder crosses the mind
Remember the position she is promoted to is also subjected to CBN approval
Too many politics at the top

If you were a BO in 2001, you may have been promoted from BO to AM and Manager in 18 months. It was not unusual to start out at 25 and be a senior manager by 35. I'm sorry to say but your direct manager ought to have moved on to another bank or another sector. During my orientation at a bank as a newbie, one of the executive directors came to speak to us. We were 72. 69 contract staff and 3 permanent staff (my self and two others). One of the recruit contract staff asked him about this contract arrangement where you have people being on contract endlessly and even permanent staff spending many years on one level. He responded professionally but ended by saying "If I were you I wouldn't be a contract staff for 4 years". The signs were there to see but many prefer to get stuck in the system and continue to complain.
GMs are treated like Gods. EDs are treated like the owners of the universe. Timing is what made these people rise fast. Nothing special about them and today anytime I'm in Nigeria I meet with my former GMs and DGMs. I tell them about things we are doing and how they can improve there software development practices as well as run better systems. When I was in the bank I could stand outside a GM's office waiting endlessly. In their eyes a junior staff is worse than the floormat or trash. A bank MD once told me not to join a bank at any grade level below a manager. I learnt it the hard way after joining a bank as a junior staff. Glad I was able to exit the system after a short stint.
When I wanted to leave the bank I got offers from two other banks which I turned down because I felt the issues will be similar. I set my eyes on jobs abroad not because I didn't like Nigeria but I disliked that servitude culture. I never saw most of my bosses as superior to me and never felt inferior to them.

LyfeJennings:
U don't get it
Zenith Bank is not a deposit bank
They do not have deposit target
It is more of a transactional bank
No HNI or Institution will ever deposit money with Zenith Bank based on rate
Yes, the government will do so only based on relationship but not on rates
No matter how good U are as a staff
How much can U get paid to be the largest single shareholder in the bank
There is something special about this lady beyond rising through the ranks
So say she came in as a Corper at age 23
How many years did she spend on each grade from ET to rise to GMD
She's smart, no doubt but she's a high level player in the system

Adora is a special staff of Zenith bank. Her deposit mobilization strength is unmatched and she rose pretty fast but the owner of the bank (Jim Ovia) deliberately kept her as Deputy MD with supervisory role over a lot zones/branches and she was never under any CEO . Jim ovia was her CEO over the years lol. It was only normal that at some point she emerged CEO but when it comes to areas of banking outside deposit mobilization, time will tell how her tenure will be.

LyfeJennings:
Hmmmm
For Zenith Bank
The deposit they mobilize has to be government funds
They have some of the lowest rates in commercial banking
Whatever she is in the system must be a very very powerful one
She has to be extremely powerful
That position heavy gannnn and is also subject to CBN approval
I doubt if Zenith dey lose staff o because they hardly sack their staff

Staff resign on their own. Its got a good brand hence easy to use as a transit point. She rose through the ranks by consistently meeting her deposit target. As you know banking has other roles outside deposit mobilization. This was one of the reasons why she never worked out of the office in Lagos. Her role was basically public fund mobilization which she did well going by the rent seeking system Nigeria operates.
A lot of hardworking staff lose confidence in the system and leave. The ones who are loyal usually end up regretting. The mathematics is simple. I joined a bank at the age of 25 as an executive assistant. I was told then that it takes 4 or 5 years to move to the next level. Which meant if I was not exceptional, I would have stayed till age 29 to move to the next level. It didn't make sense to me and I noticed they operated a strict hierarchy system where it is assumed that you know nothing if you are below a manager and all that. Hence I resigned after 1 year and 2 months. Got a job at a Fintech in Johannesburg where I worked for one year before I got another job in Toronto and moved to Canada. People are stuck on one grade for 9 years (for instance deputy managers unable to move to manager or Senior managers unable to move to AGM rank). Everyone is just stuck and the banks don't care. But I also expect that people should care for themselves and know when to exit. There was a time people spent 6 months on one grade level before being promoted. The beneficiaries of those days are the present day directors in many banks.

lastkingsman:
Another animal talk (in Fela's voice) from an online clout chaser.

Go and start your own banking dynasty and set the bar high na.

See as you dey under rate this personality despite everything she has accomplished.

Another Anu mpa ma

Adora never started a bank. Call it whatever you want. Deposit mobiliser is what she is. Show me her ICAN or ACCA or CFA or work profile outside zenith bank. Can her profile be compared to that of Herbert Wigwe ? Ebenezer Onyeagwu ? Peter Amangbo ? Adesola Adeduntan ? Ebitimi Banigo ? Fola Adeola ? I don't need to start a bank and if you are one of her boys or girls in zenith bank I wish you goodluck in the Zenith trap.

LyfeJennings:
Hmmmm
For Zenith Bank
The deposit they mobilize has to be government funds
They have some of the lowest rates in commercial banking
Whatever she is in the system must be a very very powerful one
She has to be extremely powerful
That position heavy gannnn and is also subject to CBN approval
I doubt if Zenith dey lose staff o because they hardly sack their staff

Staff resign on their own. People don't wait to be sacked.

LyfeJennings:
30 years of experience is young
She can't be any less than 50

She's more of a deposit mobilizer than a professional banker. Zenith bank has steadily been losing quality staff sha

Very weak profile. Her strength is in deposit mobilization from politicians and others. Wonder how the bank's jim ovia set the bar so low. From the likes of Peter amangbo/Ebenezer Onyeagwu to this. She'll turn them all to marketers with aggressive depot targets by hook or crook.

Enculer2:
It is tightening. I saw some YT Canadian guys posting some very borderline anti-immigrants stuff as well.

The canadian government ought to have complemented these immigration programs with aggressive housing construction, hospitals, parks...
Rather you have so many students coming to study in canada and a severe housing shortage making people spend most of their income on housing. Even immigrants are becoming anti-immigration

NuCypher:
If you aren't trying to game the system, then just explain yourself with a letter of explanation. Keep it brief and straight to the point. No unwarranted repetitions. Explain how it is a gift deed and if possible, attach some evidence to proof that. Take the chance to state the source of the fund. Every visa officer will certainly be skeptical how you can raise such balance in a couple of days. If you had it before, why didn't you just attach it in the first place. That's what they'd be thinking. In addition, they'd be looking at your jobs and may not be able to find justification for raising such amount of money in that short time. In fact, typically with issues like POF like this one, it's just straight denial on grounds of insufficient POF, because they'd not expect that you can just raise the balance like that.
In any case, you have the chance to explain yourself and to attach the proofs they are expecting to see. You should know that the visa officer likely knows what has happened, but only giving you the chance to explain yourself. Take it wisely.

Same reason why I suggested that he/she just submits what was asked for. With anything Canada one has to be patient. The kind of quick fix culture we have in Nigeria doesnt work with anything Canada. If its account, take your time and build. If its credit history take your time and build. If its work experience take your time and build.

semilore12:
Good day everyone,

Please I need help and all contributions will be highly appreciated.

A friend received additional document request on the POF submitted and i am clueless on best way to respond. Let me explain what happened.

It's a family of 2. Husband and wide. The POF done was about 17m. They did gift deed for 7m for the wife (who is the PA). Gathered more funds from different sources and put in a mutual funds account. Did attestation to show that the money belongs to both of them.

They submitted the application with wife's SOA showing the transfer of the 7m and the mutual benefit certificate.

Now, they gor a request for SOA of the spouse account. This is where we are confused, we hustled out the balance of 12 in a couple of days and transferred to the husband's account within a space of 1 week. Showing that SOA is risky. Please what other options can we explore. Abeg help, this is important to them

First of all its not a good idea to game systems as it could make things difficult for the applicant and also make it harder for future applicants from the same country of origin. If the statement of account shows that the funds came in 12 days before submission and disappears after AOR, the applicants risks outright denial. Recall that the average six months balance is usually also requested. Since they have requested for the SOA , they should just submit with no explanation. If the visa officer requires additional information he/she will ask.

Everr:
Hello guys, I recently completed and passed my medicals on 20th February, I also received the request to pay the RPRF which I have paid as well on 8th February . Does anybody have an idea how long it might take to get the passport request? I applied to the Home Child care Provider scheme.

Use this tool to get an estimate https://www.canada.ca/en/immigration-refugees-citizenship/services/application/check-processing-times.html

79733139:
Hello, if my boss gives me money for Proof of funds (with a gift deed), would it be accepted? Or do I have to tell her to give a family member first who then gives the money to me as a gift?

What percentage of the funds are they gifting you ? In canada there is hardly anything like free money outside from parents or someone very close. A cash gift from your boss may get the visa officer to ask questions.

sonofthunder:
Good day house, I recently joined the Express Entry pool and will like some advice/guidance to avoid errors and possibly increase my scores.

My scores currently stand at 464points and I shouldn't be losing points via age for another 9/10 months.

1.) My appointment letter doesn't include job roles, just indicating that I have been appointed to a certain role. Should this be a concern?

2.) I currently entered the pool as sales Engineer for NOC 62100 – Technical sales specialists - wholesale trade. Does it qualify as a stem related NOC. I'm asking against stem draws. I believe I can also switch to 21301 – Mechanical engineers. Please advice.

3.) If I receive an invitation to apply, would I need to submit Job reference for all my listed employments/NOCs or just my primary NOC? I would like to know so I do not give myself unnecessary stress with documentation.

4.) Can POF funds be provided in multiple accounts? E.g naira and dollar or savings and mutual funds.

5.) Is there a link that indicates the NOCs considered for Stem draws? Kindly share please.

6.) I added 16months work experience from my father's company where I'm also listed as a shareholder 15% of total shares. Hope this isn't an issue.

7.) Kindly advise how I can improve my scores or be better qualified for PNPs. I have a sibling in Alberta but they've put their draws on hold and I'm yet to get good evidence that they previously selected Sales Engineer/Mechanical Engineers or any other NOCs I may qualify for in their provincial draws.


I really anticipate your guidance guys.

Kindly get a reference letter that has all the required information. Regarding your other questions I'll suggest you make your application easy for whoever will review it. Some of our practices in Nigeria can come across as weird in Canada. IRCC isn't interactive. They make decisions based on documents submitted and may send a request for additional documents if they need more information. Only provide the required information. If you can collate your POF in a single account.

Vousmevoyez:
If I was sure of getting an ITA in a month’s time and I would like to submit my application ASAP once I get ITA, when is it advisable to do my Nigerian PCC? nb: I don’t live in Lagos

PCC is valid for 3 months. I'll suggest you get the ITA before committing to PCC or any other post ITA expense

thiagoteres:
Good Day
I was hoping I could get advice on a peculiar issue for a friend.
He has been asked to go for medicals with his 2 unaccompanying children from a previous relationship.
Children are however with their mother in another country and he is not on talking term with her.
Is there any way around it without withdrawing his application as there is no way children would be available for medical?

It shouldn't affect his application. He may just be told that he will not have an opportunity to serve as their sponsor in the future

emkz:
How do you even pay someone such money without a contract stating his Social Insurance Number (SIN) or company registeration number for easy tracking and legal protection?

Many people in the UK and Canada prey on Nigerians and dupe many of them by selling bogus sponsorships to them.

If you want to relocate and have no skill, learn the skill first. Skills like plumbing, carpentry and masonry are well sought after. It is people who have no skill who rush after easy jobs like care jobs and social work.

Please, avoid immigration promos from Nigerians in Nigeria or abroad. Many of them are out to scam you. To identify a scam, propose to pay them over the course of a year after you relocate.

They'd most likely not agree. That is the red flag you need.

When it comes to leaving Nigeria and moving abroad some people tend to drop their thinking cap.

e4maawy:
Hello,
Please advise on how I can apply or get the Driver's License Extract letter in Nigeria.
I have received my COPR and am set to leave in April.
With no relatives or close friends in Canada, I need a settling buddy.
Please send me a PM if you are also in need of a companion, got your COPR and are leaving around April.
My details: Single, Female, Heading to Toronto/Missisauga/its environs.
Thank you.

You can get it at the nigerian high commission in Ottawa. Application is by post but will cost about $100. Kindly let me know if you get any lead on how to get it in Nigeria. I have been procrastinating getting it. May be cheaper to get in Nigeria than here

Tracyy122:
Gurus in house please l have one question concerning inflow of cash deposit into my account.

I have a salary account that l also use for other businesses ( by this, l mean my brother send money into it when he wants to make some procurement for his business and this has been recurring for more than 5 months.)

In January l received a deposit that is about 6x my salary for the usual procurement he makes which also left the account in 2 days.

My question now is since the amount that was deposited is way more than my salary, will it be regarded as unusual inflow of cash ( and would l need to write an LOE) even though the money is no longer in my account and this has been a recurring deposit from my brother in my account?

Have you received ITA yet ? If you can, structure your finance to avoid IRCC stress. By structuring your finance I mean have a a fixed or closed to fixed inflow of funds into your account in a manner that shows a trend. Whether its once a month or one in 3 weeks or there about.

Moving to Canada as a student without loads of cash is equal to sufferhead. The hardship can be endured by a 21 or 23 year old single student but for a man in his 30s with a family it can feel like even taking yourself years back. I live and work in the GTA area of Ontario and I'll suggest you make your plans + more enquiries before you make the move.
There are lots of people doing great in Canada and I also got into Canada with two job offers (software engineering) before landing as a PR in 2022 and did okay like many others however take these two factors into consideration

1. A student is expected to bring in money for their fees and upkeep. These fees are usually 5 times more than what locals pay (citizens/PRs). Students also work restricted hours in low paying tough jobs . On the other hand, a PR has no such restriction and can compete for jobs without any hinderance with access to credit

2. Law is a regulated field in Canada hence you'll need to go through the licensing process which I heard takes about 2 years. During that 2 years you'll need money to finance your stay.

If you can, compete for a PR and resist the temptation to go in there as a student except you have tens of million to spare. The country is cashing out on international students from India, Nigeria , Pakistan who are attending Colleges studying cooked courses. Those colleges are like a backdoor route to working in Canada and you'll find yourself unsatisfied with the programs in most cases. The universities are expensive (CAD55,000 for a MA in Economics at Ottawa Uni) but offer better opportunities.

The express entry system (which I used to migrate to canada in 2022) has become very competitive with a high cutoff score 500+ which has pushed many to spend more and more money to get a study visa. At the end of studies the graduate will still find themselves competing for points in the express entry pool though with a higher score but the entire process can be lengthy, expensive and take you off your career.

I suggest you explore the express entry system and plan the transition well with the right information. Forgrt about agents

Ikem79:
This is the message I received

You are meant to have applied for that police certificate after your departure from Nigeria. Even if you applied for it the day you left Nigeria they’d have rejected your application. This applies when you’re no longer resident in Nigeria

Debbieeeeeee:
No single joy in that Chicago POE 😂 they’re very notorious for this.

It was actually at Toronto. US govt have CBP officers stationed at Toronto Pearson airport and some other airports in Canada. Thus after going through immigration at Toronto the flights arrive at domestic terminals in USA

jayF19:
Guys so has anyone tried applying for a US visa from Nigeria after getting their PR?

I applied after PPR but before submitting my passport to Canada. Got the visa and then submitted passport to IRCC for COPR/stamping. Two months after getting passport back from IRCC I headed to detroit and had no issues.

Four months later I headed to Chicago and the US CBP officer asked me to follow her to a room and I was grilled lol. They wanted to verify when I became a PR because on my DS 160 I filled that I was not a PR.

Gerrard59:
Isnt that because Canada prefers medical experience from other developed or selected countries rather than just the certificate?

A number of factors but I’ll sum it up as being unable to integrate into their profession. It takes some effort to make the transition but when people just move here and there without any proper plan they’ll be so unstable and hence find it hard to be stable.

ndidibabe:
I do not really understand your argument. A lot of Nigerians are working in the UK with a Unilag degree which is far rated below Robert Gordon Uni which you have just referred to as a mushroom uni. Infact, I know a FUTA graduate working in your almighty St Andrew Uni as a Network Engineer. What competition are you referring to specifically? Schools will always be rated above one another and while you attend a first class uni, that might give you an edge to be shortlisted for an interview, it doesn't give you the job. Not even in those countries you have mentioned where they place more value on your skill than your certificate.

Works at St Andrew as a network engineer not an academic position but a support position. I can work in Goldmansachs as a security guard or support engineer and that does not mean I am rated as high as an associate in derivatives. Where you work is not as important as your role in the organisation. Not everything can be explained here but bias in the work place is real. There is a reason McKinsey targets ivy-league business school grads as consultants and there is also a reason Nigerian doctors struggle to get a license to practice Medicine in Canada. Workplace bias is real but I am of the opinion that it’s better to attend a top school home or abroad.

ndidibabe:
Can you at least 5 of these mushroom universities? I want to compare them to the best universities in Nigeria.

Don’t compare U.K. universities with universities in Nigeria. When you leave Nigeria to U.K. or elsewhere your competition is in U.K. not Nigeria. Most Nigerians attend mushroom schools in uk. In Scotland there are many universities but the ancient 4 are the most recognised by employers ( St Andrews uni , uni of Aberdeen , uni of Edinburgh , uni of Glasgow ). You’ll find most Nigerians in Glasgow Caledonian uni , uni of west of Scotland , Robert Gordon and the likes which employers don’t really value as much as the ancient universities.
If you come to canada you’ll find thus cana da has very competitive universities but most Nigerians are attending colleges ( Humber college , Seneca …). A Nigerian with a bachelors or masters degree goes to Canada to study at a college just to get student visa . Where I work there is no college graduate in the engineering team. Most are from uni of Waterloo, uni of Toronto , queens uni and a few from McMaster uni.

When you leave Nigeria your income , skills and education should be applied to your new location and not comparing with your previous location. Many leave Nigeria from upper model class ans settle at the bottom in Canada but still beat there chest saying they are better off than person A or B in Nigeria

hustla:
My paddy got a job in Germany his UK degree and then moved to Canada on PR

Got 2 jobs with his UK degree in Canada

Una go just dey make up things sha

Are you minding them ? After I got a PR to Canada it took me 3 weeks to land my first offer in my field from naija sef. Told them I had permission to work in Canada and interviews continued.

realG101:
No society in the world has work for everyone.

But I will admit that Nigeria is a particularly tougher environment for a common person to plug in to a job.

The more reason women who depend on their husbands should let their men breathe. Women in this category should learn to at least live within their husbands' means if they can't support the men.

Not to be comparing their husbands to other richer men.

If e easy, those wives too should go out and hustle for the money (without monitizing their bodies).

Before we link it up to the economy some women have this mindset of being parasitic on men. They are always asking for one thing or the other from friends, uncles, husbands, boyfriends and many more. It continues after they get married and I don't believe its because of the environment. I have met some Nigerians in USA and Canada who confessed that if they were to get married again they'd rather find a partner based in USA or Canada than to go marry a woman in Nigeria because they tend to bring their parasitic attitude with them and end up making their husband weaker.

FROGMAN101:
You are wasting your time making a point or two to lazy Nigerianist going through shege in that country, managing 5mb midnight sub to surf Nairaland.

These same set of people are so mentally and physically lazy and won’t contribute anything to society but are the first to use Android phones made by the whites.

All they do is f u c k and bring children they can’t take care of and the whole cycle repeats.

“He say you can knock your neighbor’s door to beg for maggi” imagine the thought of a Nigerian man in 2023? Imagine?

I put it to you that these same people are always disturbing people abroad for money. Always begging and complaining about how things are rough in Naija

The guy Offpoint1 even said poor people are the ones traveling. That made me laugh considering the bulk load of money you need to leave Naija. Lmao.

Lol it was just hilarious reading Offpoint1's comment.

Offpoint1:
Did Yusuf had upto 5b before he left?

I dey talk of men you dey talk of salaries earner. Japa na for salaries earners na.

Who are these men ? Do you have 5b as you call it ? What percentage of Nigerians have 5b ? By your estimation men are those who have 5bn or more while those working to make a living are subpar. Let people be as the sun shines on people differently. For some its hot and unbearable hence they move elsewhere. Femi Otedola spends more time in europe than Lagos. Chaugoury lives in Paris and visits Lagos from there. Oladeinde Fernandez lived in Brussels till his death. The earth is the earth and people can live anywhere they are legally permitted to live in.

Offpoint1:
You don see any big man wey wan japa? na we the poor masses wan JAPA. Richmen na vacation dem dey go, highest 1 month, I know some wey no fit spend 2 weeks outside Nigeria.

Japa is for broke or average people.


Nothing go make me wan japa leave my papa land, land of many wereys, land of cruise, land of fun, land of better food, land of women with big bakasi. Land wey if your maggi finish you fit knock neigbor door borrow, land wey I fit comot my prick piss beside person car , land of freedom.

Naija na dey best country for this world, Nigerians no get wahala and dem dey look out for each other.

NAIJA FOR LIFE

Haha that's what one Prof I know use to say. Today he is retired on a less than $500 a month pension and struggling. Just thank God for what you have and leave this pride talk. People change their location for different reasons and has nothing to do with broke or not being broke.
My friend Yusuf left NNPC to go work at Lloyd's registers in Scotland. Later he moved to Saudi to work as an engineer in Aramco. He has paid up his mortgage in UK and is making good cash. By your standard Yusuf was broke and not doing well in Nigeria.

onlykach:
Please is it possible for one that is 41 years of age get Saskatchewan PNP or express entry to Canada?

An agent is asking for ₦2.5million for family of 3 and the agent is give 100% assurance with IELTS.

I need your advise please.

Agent will likely put in a visitor visa application for you.