Akosua Serwaa Antwi
Accra
Summary
Seasoned banking professional knowledgeable about risk aversion strategies for emerging business risks, regulatory compliance, corporate governance, internal controls among other compliance issues. Decisive and persuasive communicator with proven problem-solving, leadership and planning abilities.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Internal Audit, Supervisor
Consolidated Bank Ghana Limited
Accra
06.2021 - Current
- Proactively ensuring alignment of business processes with international and regulatory requirement
- Actively contributing to robust control environment and value addition by identifying and reporting weak controls, governance, and internal processes in accordance to international audit standards and internal process flows and manuals through delivery of 10 audits yearly
- Continuously monitoring implementation of embedded regulatory requirements in business processes
- Responsibly ensuring effective audits through preparation of planning documents for various audit assignments
- Effective Review of Audit working papers to ensure that Control Design Assessments and Operating Effectiveness tests on policies and processes are performed
- Continuous engagement with auditees through drafting, Sharing and Discussing Standard Audit outcomes, Targeted Reviews and Continuous Monitoring observations
- Tracking all Audit observations till closure to serve as effective mitigation to risks observations made during Audit engagements.
- Preparing working papers, reports and supporting documentation for audit findings.
- Complete audit papers by thoroughly documenting audit tests and findings.
- Applying strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows
Internal Auditor
Consolidated Bank Ghana Limited
Accra
05.2019 - 05.2021
- Continuously monitoring implementation of embedded regulatory requirements in business processes
- Performed 8 yearly internal audits of financial and departmental operations, developing risk assessments and conducting process walk throughs for compliance with documented processes.
- Developed auditing program to address risks and evaluate regulatory requirements.
- Identified and reported audit issues.
- Prepared audit programs and working papers, following Generally Accepted Auditing Standards (GAAS).
Credit Risk Analyst
UniBank Ghana Limited/ Consolidated Bank Ghana Limited
Accra
02.2017 - 04.2019
- Critically analysing credit data, financial and other relevant information provided for credit applications up to GHS1, 000, 000.00 from SME and Consumer Finance sections
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Effectively identifying all risk issues in applications submitted by Business Units and providing appropriate mitigants to risk issues identified in Credit Memorandums
- Ensuring adequate due diligence is conducted on all supporting documents included in application packages and Proposing appropriate recommendations for credit requests
- Adhered to banking standards and government lending guidelines for loan services.
- Recommended approval or disapproval of loans.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Loan Processing Analyst
uniBank Ghana Ltd
Accra
02.2015 - 01.2017
- Appraisal and processing of customers’ credit applications such as loans, guarantees and letters of credits (GHS2,000,000.00 – GHS20,000,000.00) on behalf of Relationship Managers, making necessary recommendations for further Risk analysis and Recommendations
- Supervising consumer loan applications which included car loan applications, personal loans and unilifestyle loans
- Processing and coordinating requests on uniHealth loans
- Supervising processing of requests for other contingent liabilities such as tender securities, letters of intent and letters of comfort
- Conducting of field visits with Relationship Managers on applications processed, to assess real need of customers
- Providing operational support to Relationship Managers about other ancillary issues related to credit processing in line with Bank’s Credit Policy, Operating Manual, Product Programmes, etc.
Relationship Officer
uniBank Ghana Limited
Accra
10.2013 - 01.2015
- Generated and identified leads for bank’s product and services
- Opened and managed clients’ accounts
- Cross sold the bank’s products and services and updated clients on the bank’s rates and new products and services
- Mobilized deposits from both existing and new clients
- Assisted clients in assessing the bank’s facility options to choose the right package for their business,
- Monitored, followed-up and escalated cases to meet customer response commitments.
National Service Person
uniBank Ghana Ltd
Accra
08.2012 - 09.2013
- Assisted Relationship Managers with the appraisal and processing customers’ credit applications such as loans, guarantees and letters of credits and making the necessary recommendations for further Risk analysis and Recommendations
- Cross sold the bank’s products and services and updated clients on the bank’s rates and new products and services.
Education
MBA - Finance
University of Ghana
Accra10.2020
Chartered Banker - Banking
Chartered Institute of Banker
Ghana11.2019
West African Secondary School Certificate - Business
Yaa Asantewaa Girls' Secondary School
Kumasi, Ghana06.2007
Skills
- Microsoft Office Programs (Advanced in Excel and Word)
- Globus /T24 Banking Software (R8, R15 and R17)
- Effective and Professional Communication
- Audit Preparation
- Critical Thinking and Analysis
- Staff Oversight and Leadership
- Quality Assurance and Control
- Training Junior Team Members
- General Ledger
Accomplishments
- Collaborated with team of five in the development of uniHealth loan; a credit facility for health institutions in collaboration with the Medical Credit Fund for erstwhile unibank Ghana Ltd.
- Achieved an improved control environment through effectively assisting with auditing a total of 114 branches of Consolidated Bank Ghana Ltd between 2019 and 2022.
Certification
- Certified Banker, [Chartered Institute of Bankers Ghana] - 2017- 2019
Timeline
Internal Audit, Supervisor
Consolidated Bank Ghana Limited
06.2021 - Current
Internal Auditor
Consolidated Bank Ghana Limited
05.2019 - 05.2021
Credit Risk Analyst
UniBank Ghana Limited/ Consolidated Bank Ghana Limited
02.2017 - 04.2019
Loan Processing Analyst
uniBank Ghana Ltd
02.2015 - 01.2017
Relationship Officer
uniBank Ghana Limited
10.2013 - 01.2015
National Service Person
uniBank Ghana Ltd
08.2012 - 09.2013
MBA - Finance
University of Ghana
Chartered Banker - Banking
Chartered Institute of Banker
West African Secondary School Certificate - Business
Yaa Asantewaa Girls' Secondary School
- Certified Banker, [Chartered Institute of Bankers Ghana] - 2017- 2019
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