Business/Credit Analyst

Dedicated, hardworking and trained analyst seeking to work with a challenging and growth oriented firm, utilising my technical, leadership and managerial skills to contribute to the achievement of corporate objectives.

January 2011 – Present
Branch Credit Officer
Sahel Sahara Bank (BSIC GH. LTD.), Accra

RESPONSIBILITIES

• Acknowledge credit request and hold discussions with applicant.

• Request for information/documentation or decline request.

• Review information submitted, conduct necessary checks and discuss available options with client.

• Confer with the Legal Department on suitability of proposed security.

• Undertake property/collateral inspection and prepare appropriate report including directional map and pictures where applicable.

• Use approved presentation format to process request, forward for review, address issues raised and finalize for approval.

• Financial Statement Analysis.

• Preparation of cashflow projection, industry analysis and company/management appraisal.

• Process facility renewals/rescheduling or expiry extentions to be approved before facility expiry.

• Follow up with clients to complete documentation for approved facilities within stipulated time.

• Call clients at least twice a month and pay visits at least once a month.

• Follow up with /pursue clients to meet facility repayment obligations.

• Follow up for regular updates from recovery unit on accounts referred for recovery or legal action.

• Ensure post disbursement conditions such as sinking fund deductions, submission of stocks reports, receivables reports, progress reports etc. are fulfilled in a timely manner.

• Identify borrowing needs of existing clients and recommend facilities in consultation with Head of Department.

• Prospecting for new clients and visiting existing clients to offer Advisory Support.

• Attend to client enquiries on credit facilities and customer complaints.

• Assist colleagues when their work load or schedules are tight.

• Relieving duties for colleagues on leave or indisposed.

• Assist with filing and housekeeping.

• Attend to any other duties assigned by Superior Officers.

August 2003 - May 2007
University of Ghana, Legon.
BSc. Administration, Banking & Finance option.

April 2013
Retail & Consumer Lending
National Banking College, Ghana.
• Training focused on retail and consumer lending.

February 2013
Certified Credit Administrator Programme (MSMEs)
National Banking College, Ghana.
• Training focused on credit portfolio risk management and lending practises.

December 2007
Tally Financial Accounting Program, Volume I-IV
Tally (India) Pvt. Limited, India
• Training focused on Financial Accounting with the usage of Tally Accounting Software

May 2007
Financial Analyst Course
Databank Financial Services Limited, Ghana.
• Training focused on financial statement analysis, projections and investments.

• Good working knowledge in Microsoft Office Suite
(Ms Word, Ms Excel, Ms PowerPoint, Ms Outlook).

• Tally Computing Accounting.

• BF Banking Software Usage.
 Ability to uphold confidentiality and project management skills
 Ability to inspire team members
 Good team player, smart, confident and able to work under pressure
 Good interpersonal, communication and analytical skills