About Us

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CITITRUST Savings and Loans Limited is a newly formed deposit-driven microfinance institution.
Cititrust is committed to fully understanding the needs of existing and potential customers and developing an innovative mix of credit
and savings products and services to meet those needs.
The institution has a broad target mix to include individuals with an emphasis on the underserved population (unbanked),
small, medium, and micro enterprises, corporate organizations, and institutions.
The Institution was registered as a limited liability company in Liberia on November 2, 2020.
The Central Bank of Liberia issued the institution a provisional license on the 28th of January, 2021, and on the 11th of June, 2021, the
financial institution obtained its final license to operate in Liberia as a Microfinance Institution.

Our Vision

Our Mission

To provide excellence in customer service and compliance through a resolute commitment to our
understanding of banking operations and a continuous focus to improve our processes.

Our Team

Efe Valentine Emerhana

Efe Valentine Emerhana

Managing Director/CEO

Efe Emerhana has more than 10 years of experience in the financial services industry. He is dynamic and focused with comprehensive experience in risk management, marketing, relationship management, and business development and research.
An old boy of CMS Grammar School, Bariga, he earned a Bachelor’s degree in Business Administration from Ambrose Alli University, Ekpoma, Edo State and a Master’s of Business Administration degree (MBA) from the University of Benin, Benin-City, Edo State.

Dave Tamba Yarmie

Dave Tamba Yarmie

Chief Financial Officer

Experienced Accountant and skilled in Budgeting for the past ten years, customer service. Strong accounting professional and awaiting graduation (Master’s degree focused in private and public Finance from the African Methodist Episcopal University ).
Worked at the International Bank of Liberia Limited as an Account Analyst for three years(2011-2013). Worked at Access Bank Liberia as Deputy Head of Accounting From 2018-2019.

Michael K. Collingwood

Michael K. Collingwood

Head, IT & eBusiness

Michael K. Collingwood I am a highly driven system administrator with 13+ years of experience managing the technical and functional operation and maintenance of assigned systems. Adept in supporting and troubleshooting advanced technical issues within computer hardware, network enterprising infrastructure, operating systems and software installations, and a vibrant Liberian Information Technology Professional with over twelve (12) years of experience in IT across several fields including Software Engineering, Database Administration, IT & Information Security, IT Audit, and IT Project Management and a Team Player.

CITITRUST Savings & Loans Limited


A unique innovative company that will allow you to:

Fully express themselves and their abilities.
Gain invaluable experience.
To realize opportunities of personal and professional growth and to make a career.