Etim graduated from University of Uyo with B.Sc Degree in Accounting Second Class Upper Division (1995). His over 27 years working experience as an Accountant spans 3 years in Banking and 23 years in Mobil Producing Nigeria. He has served in various capacities spanning from Human Resources to Procurement and Controls Advisor in Security positions. He has also attended the Certification Programme for Non-Executive Directors of Microfinance Banks. His wealth of experience and knowledge has been of tremendous benefit to Palmcoast Microfinance Bank Limited.