ANGELA ABABIO
ACCRA-NORTH
Summary
Experienced banker with over 13 years of extensive expertise in the financial services industry, adept at leveraging banking operations and investment management skills to enhance client portfolios and drive business growth. Demonstrates a strong analytical mindset and problem-solving capabilities, effectively utilizing credit analysis and customer service management to foster lasting client relationships. Committed to delivering strategic insights and innovative solutions to support sustainable financial success.
Overview
14
14
years of professional experience
Work History
Business Development/SME Relationship Manager
Consolidated Bank Ghana Ltd
Accra
03.2023 - 12.2024
- Cultivate SME client relationships, consistently exceeding growth targets through strategic management.
- Streamline loan processes, enhancing customer satisfaction and operational efficiency.
- Generate detailed reports, providing insights that guide strategic management decisions.
- Expand client portfolios via strategic cross-selling and upselling of financial services.
- Adapt offerings to market changes, ensuring business growth and client satisfaction.
- Collaborated closely with internal departments such as sales, marketing and operations teams in order to ensure efficient service delivery for all SME customers.
- Conducted regular meetings with clients to review progress and discuss potential solutions for their needs.
Business Advisor (SME Centre), Business Banking
Consolidated Bank Ghana Ltd
Accra
01.2022 - 02.2023
- Provide advisory services, training, and entrepreneurial capacity to customers.
- Synergize SMEs activities to attract both local and international funding.
- Preparation of business plans.
- Working Capital Management.
- Tax credit/accounting and bookkeeping for SMEs.
- Gather and analyze loan applicants' financial data to evaluate risk; assess creditworthiness of individuals, companies, and institutions.
- Provide credit advisory services to internal and external customers.
- Prepare reports with credit information for use in decision making.
Acting Branch Operations Manager
Consolidated Bank Ghana Ltd
Accra
08.2019 - 01.2022
- Monitored and ensured a free flow of the daily operations in the branch.
- Ensured protection and security of customer data against fraud.
- Collaborated with operations and branch managers to develop best practices for successful operations during the COVID pandemic.
- Educated frontline staff on operating practices aimed at minimizing risk and prevention of losses.
- Authorized inward and outward clearing cheques and transactions from tellers, frontliners and the back office.
- Prepared excess request on cash cheques for management approval.
Customer Service Officer
Consolidated Bank Ghana Ltd
Accra
08.2018 - 08.2019
- Provided prompt services to customers such as responding to inquiries, checking account balances and printing statements, investment advisory services, opening accounts, and processing loan application requests.
- Cross sold bank products to prospective and existing customers.
- Performed risk classification of customers' accounts according to provided data.
- Developed a segmented customer database to facilitate the delivery of personalized services.
- Served as the first point of contact for customer concerns/complaints.
- Prepared Audit reports and Bank references for customers on request.
Personal Banker/Customer Service Advisor
Unibank Ghana Ltd
Accra
07.2012 - 08.2018
- Ensured all account openings were verified and done within the ambit of KYC checks.
- Ensured customers' investments (TB, FD) requests were processed accurately and timely.
- Handled all SWIFT/TRADE/ACH transfer requests and managed all E-banking products.
- Captured the images and mandate card of the signatories/account holder onto the system.
- Processed customers' loan application requests.
- Completed, verified, and processed account opening documents for customers.
- Prepared Audit reports and Bank references for customers on request.
- Processed Treasury Bills and Fixed Deposit applications and rediscount requests for customers.
- Cross-sold the bank's products to potential and existing customers.
- Advisory services.
Internship/Attachment
Databank Ghana Limited
Accra
01.2012 - 06.2012
- Collaborated in cross-functional teams, refining communication and problem-solving skills.
- Streamlined document workflows, reducing processing time and improving task quality.
- Handled customer inquiries, strengthening attention to detail and operational support.
- Maintain accurate records, contributing to efficient data management and daily operations.
National Service Person, SME & Rural Banking Division
Ghana Commercial Bank
Accra
11.2010 - 11.2011
- Assisted Relationship Manager in the preparation of customer credit request appraisals.
- Monitored customers' facility accounts.
- Other general office duties assigned.
Education
LEVEL 4 -
Association of Chartered Institute of Bankers
Ghana05.2021
MSC - DEVELOPMENT FINANCE
University of Ghana Business School
Legon10.2020
MBA - Finance
UNIVERSITY OF GHANA BUSINESS SCHOOL
Accra07-2018
BSC - BANKING & FINANCE
University of Ghana Business School
Legon05.2010
Skills
- Market research
- Credit Analysis
- Banking Operations
- Team collaboration
- Client relationship management
- Communication skills
- Leadership
- Microsoft Office
- Problem Solving
- Customer Service Management
- Financial Analysis
- Relationship Building
- Business development
References
Available upon request.
Career Skills
- Customer Service
- Credit Analysis
- Banking Operations
- Investment Advisory
- Communication
- Research
- Numeric Ability
- Leadership
- Microsoft Office
- Problem Solving
- Investment Management
- Customer Service Management
- Financial Analysis
- Relationship Building
References
References available upon request.
Timeline
Business Development/SME Relationship Manager
Consolidated Bank Ghana Ltd
03.2023 - 12.2024
Business Advisor (SME Centre), Business Banking
Consolidated Bank Ghana Ltd
01.2022 - 02.2023
Acting Branch Operations Manager
Consolidated Bank Ghana Ltd
08.2019 - 01.2022
Customer Service Officer
Consolidated Bank Ghana Ltd
08.2018 - 08.2019
Personal Banker/Customer Service Advisor
Unibank Ghana Ltd
07.2012 - 08.2018
Internship/Attachment
Databank Ghana Limited
01.2012 - 06.2012
National Service Person, SME & Rural Banking Division
Ghana Commercial Bank
11.2010 - 11.2011
LEVEL 4 -
Association of Chartered Institute of Bankers
MSC - DEVELOPMENT FINANCE
University of Ghana Business School
MBA - Finance
UNIVERSITY OF GHANA BUSINESS SCHOOL
BSC - BANKING & FINANCE
University of Ghana Business School
Similar Profiles
FLORENCE OMARIFLORENCE OMARI
Customer Service Officer at The Beige Bank, now Consolidated Bank Ghana LtdCustomer Service Officer at The Beige Bank, now Consolidated Bank Ghana Ltd
Joseph Ciici ArthurJoseph Ciici Arthur
Financial Controller at Consolidated Bank GhanaFinancial Controller at Consolidated Bank Ghana
SYLVIA ANKUSYLVIA ANKU
Information Security Analyst at Consolidated Bank GhanaInformation Security Analyst at Consolidated Bank Ghana
Michael OpokuMichael Opoku
Software Engineer at Judicial Service of GhanaSoftware Engineer at Judicial Service of Ghana
BEATRICE ELIKPLIM AKOSUA AGBOZOBEATRICE ELIKPLIM AKOSUA AGBOZO
Procurement and Supply Chain Manager at Office of the PresidentProcurement and Supply Chain Manager at Office of the President