Assessment of Risk Management and Credit Administration in Access Bank, Ikot Ekpene Local Government Area

The research looked at the impact of risk management and credit administration assessments at Access Bank in the Ikot Ekpene local government region. A specific research aim was developed and employed for the study in order to carry out this investigation. This study's research design is a survey design. The study's population consisted of all the employees of Access Bank, Ikot Ekpene, with a total of 83 employees. A simple random sampling procedure was employed to choose 50 people from the population. The tool for gathering data was a questionnaire. Data from completed surveys were analysed using an independent t-test. Risk management is viewed as a rule for each and every bank, and it encompasses all transactions that may disrupt their risk profile, according to the findings. It entails identifying, evaluating, monitoring, and managing these risks in a timely manner. To lower the occurrence of loan defaults, the research advised that banks develop a system of auxiliary credit support services. When loan defaults occur, there must be effective legal systems (institutions and procedures) in place to reclaim such obligations.