Ato Ghartey Obed
Accra,Ghana
Summary
Accomplished professional with extensive expertise in credit risk management and financial analysis. Demonstrates proficiency in credit structuring, portfolio management, and sector-specific credit analysis. Skilled in utilising Moody’s Risk Analyst (MRA) for comprehensive credit risk assessment and financial statement analysis. Proven track record in loan structuring and delivering customer-centric solutions through strategic decision-making and analytical problem-solving. Adept at leading teams, mentoring staff, and fostering strong customer engagement and stakeholder management. Committed to leveraging business understanding to drive profitability and support organisational growth objectives.
Overview
14
14
years of professional experience
2017
2017
years of post-secondary education
Work history
Senior Credit Analyst — Commercial Banking Department
GCB Bank PLC
Accra
12.2024 - 11.2025
- Lead the Credit Originations & Business Support Unit, supervising Credit Analysts and ensuring high-quality and consistent credit applications.
- Review and evaluate risk structuring of all Commercial Banking credit transactions, ensuring alignment with credit policy and risk appetite.
- Provide leadership in analysing customer financials, cash flows, repayment capacity and liquidity risks to recommend optimal credit structures and assign accurate risk ratings.
- Coordinate with the Credit Risk Management Division to secure approvals for new credit applications, renewals and annual reviews.
- Strengthen sector-specific credit expertise within the team through training, review sessions and analytical guidance.
- Drive adherence to Service Level Agreements (SLAs) with Business Units and Risk Management to meet turnaround times.
- Provide early warning signals of potential business or sector downturns across the Commercial Banking portfolio.
- Support the Head of Department in performance management, coaching, and capability development of junior analysts.
- Engage with Relationship Managers to address missing information, clarify deal structures and support customer-centric credit solutions.
- Participate in departmental projects and cross-functional initiatives aimed at enhancing process quality and governance.
- Respond to queries from external auditors, regulators, and internal audit teams.
- Selected Transactions Structured as Senior Credit Analyst:
- USD10.5m asset financing for a major mining support services operator
- USD7.0m trade finance structure for an oil and gas downstream company
- GHS250m combined working capital and import finance facilities for FMCG distributors
- USD25.0m structured financing solutions for real estate development projects
- GHS350m construction and civil engineering credit structures
- USD5.5m agriculture processing and value-chain financing solutions
Credit Analyst
GCB Bank PLC
Accra
03.2019 - 12.2024
- Performed detailed credit assessments, evaluating feasibility of loan requests using financial, business, and industry analyses.
- Analysed SME/Commercial customers’ financial statements to determine creditworthiness and risk rating accuracy.
- Prepared and presented credit memoranda to senior management and Credit Committee.
- Oversaw a loan and asset portfolio of over GHS285,000,000, maintaining strong portfolio quality.
- Led and mentored junior analysts, enabling them to generate GHS45,000,000 in loan volume within 6 months.
- Conducted ongoing portfolio reviews, monitoring financial performance and sector movements.
- Structured major transactions including:
- GHS33m facility for a leading pharmaceutical manufacturer
- USD23m facility for a major oil distribution company
- GHS11m & USD2.6m facilities for two agribusiness processors under a national industrialisation initiative
- USD13.6m facility for a national port authority
Relationship Manager — SME/Business Banking
GCB Bank PLC
Accra
02.2018 - 03.2019
- Managed a portfolio of 170 SME clients generating GHS1.7 million+ in annual revenue.
- Expanded customer base from 120 to 170 active clients at the Burma Camp Branch.
- Developed cross-selling strategies and tailored financial solutions, achieving 100% customer retention.
- Introduced innovative LPO Finance solutions for MoD suppliers, adopted bank-wide.
Relationship Manager — SME/Business Banking
Ex-Capital Bank
Accra
03.2013 - 08.2017
- Expanded SME/Business Banking client base from 230 to over 650 clients.
- Managed a portfolio generating GHS14m+ annual revenue.
- Achieved 100% client retention through strong relationship management.
- Awarded Best Relationship Manager – 2016 for outstanding revenue and deposit mobilisation.
Direct Sales Executive
Fidelity Bank Ghana
Accra
02.2012 - 01.2013
- Successfully met monthly target of 45 new retail accounts.
- Built strong customer relationships, achieving 100% satisfaction.
Education
MBA - Finance
University of Ghana
BBA - Banking & Finance
University of Ghana
General Science - WASSCE
Presbyterian Boys Secondary School (PRESEC)
LegonSkills
- Credit Risk Management
- Financial & Cash Flow Analysis
- Credit Structuring
- Portfolio Management
- Moody’s Risk Analyst (MRA)
- Team Leadership & Coaching
- Customer Engagement & Stakeholder Management
- Sector-Specific Credit Analysis
- Credit risk assessment
- Financial statement analysis
- Loan structuring expertise
- Portfolio management
- Relationship management
- Business financial modelling
- Training and mentoring
- Customer-centric solutions
- Analytical problem solving
- Strategic decision-making
- Business understanding
- Loan structuring
- Financial Forecasting
- Financial modelling
- Credit risk analysis
- Profitability analysis
REFERENCES
Available upon request.
Accomplishments
- Structured and secured approvals for credit facilities totaling GHS750m, contributing to over 100% growth in Commercial Banking Department assets in 2025.
- Improved credit turnaround times through strong collaboration with business units.
- Enhanced team capabilities by developing sector-focused analytical frameworks.
- Recipient 1st Runner-Up – Top Deposit Mobilization (2016).
- Structured and recommended facilities exceeding USD40m and GHS50m across multiple industries.
- Recipient of Best Relationship Manager – Business Banking (2016).
Timeline
Senior Credit Analyst — Commercial Banking Department
GCB Bank PLC
12.2024 - 11.2025
Credit Analyst
GCB Bank PLC
03.2019 - 12.2024
Relationship Manager — SME/Business Banking
GCB Bank PLC
02.2018 - 03.2019
Relationship Manager — SME/Business Banking
Ex-Capital Bank
03.2013 - 08.2017
Direct Sales Executive
Fidelity Bank Ghana
02.2012 - 01.2013
BBA - Banking & Finance
University of Ghana
General Science - WASSCE
Presbyterian Boys Secondary School (PRESEC)
MBA - Finance
University of Ghana