Augustine Kuragu
Accra
Summary
I thrive in fast-paced environments where innovation tackles complex social and economic challenges.
With over 10 years of experience in banking, I bring a proven track record of success. I am a highly motivated professional with a versatile skillset and a results-driven mindset.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Relationship Manager
Prudential Bank Limited
2023.01 - Current
- Soliciting for banking business from companies engaged in Mining, Construction, Energy, Oil and Gas and Transportation
- Soliciting for banking business from companies that provide support services to other companies operating in the Upstream Oil and Gas Sector
- Preparing daily Call Reports on activities to the Head, Corporate Banking Department
- Preparing the Department’s monthly report on activities for Monthly Performance Review (MPR) meetings with Management of the Bank
- Preparing proposals and term sheets for existing and prospective customers
- Providing daily currency exchange rates and world market commodity prices, major currencies exchange rates and value of world stock market indices to corporate customers
- Providing updates of deposit balances of the Corporate customers to the Head, Corporate Banking Department
- Providing updates of loan and other credit facility balances of the Corporate customers to the Head, Corporate Banking
- Preparing credit appraisal reports
- Undertake any other work assigned to me by the Executive Head, Business Development.
Ag. Team Lead
Prudential Bank Limited
2023.09 - 2023.12
- Attend Mondays Business Meeting with the Managing Director, Executive Head Business and the other Heads of the Business Team to give updates on activities for the previous week and pipelines for the current week
- Prepare Monthly Performance Review report and present to Management
- Attend meetings with my team when they get appointment with a prospecting Company
- Prepare Business tracker on Fridays to Executive Head Business
- Prepare Credit paper to Management Credit Committee meeting for approval
- Solicit for Business from companies engaged in Mining, Construction, Energy, Oil and Gas and Transportation.
Account Manager
Prudential Bank Limited
2014.05 - 2022.12
- Review of loans and overdrafts portfolios with the view to identifying, and monitoring all delinquent or non-performing exposures and thereby ensuring early corrective action being taken
- Monitor and Control of the performance of all credit portfolios assigned to me
- Follow-up on the utilization of all credit facilities, to ensure that the purposes for which facilities were approved are complied with
- Preparation, submission and presentation of Status Reports on customers and delinquent accounts to management
- Preparation of Briefs on credit facility defaulters to the Loan Recovery Department to enable them initiate plans/strategies for recovery
- Liaison with Credit Control Department (CCD) and Legal Services Department (LS) to ensure that all legal documents are complete and duly executed by borrowing customers
- Conduct of customer relationship management activities with regard to credit customers of the Bank.
Prudential Bank Limited
2013.08 - 2014.04
- Banking operations through Clearing, Central Accounts and Account Opening
- Accounts maintenance (stop cheques, no debits, activation of dormant accounts)
- Handling of salaries
- Issuing of payment orders
- Front Desk duties (Customer Service)
- Sales and purchases of foreign currencies
- Commission charges
- Execution of standing order payments
- Data entering, generating and responding to entries
- Automated Clearing House duties (ACH)
- Effecting Transfers, Clearing settlement and other assigned duties.
Administrative Officer
DKC Group
2012.09 - 2013.07
- Administrative work
National Service
Gowrie Senior High/Technical School
2011.10 - 2012.08
- Subject Taught: Core Mathematics
Attachment
DKC Group
2011.05 - 2011.09
- In charge of administrative work
Internship
SIC Insurance Company Limited
2011.02 - 2011.05
- Assisted in preparing performance reports, monitoring the performance of departments, Branches and Offices of SIC nationwide
- Monitoring the macroeconomic indicators’ trend of Ghana to facilitate the preparation of performance reports.
Management Trainee
Hebron Consult Ghana Limited
2010.07 - 2010.08
Accountant
Willis Drinking Water, Borehole Drilling and Car Dealers
2004.09 - 2005.06
Education
Master of Business Administration (Finance) -
Methodist University College, Ghana
01.2017
Bachelor of Science, Economics -
Central University, Accra
01.2011
Senior Secondary School Certificate Examination - Business -
Osei Tutu II College
01.2004
Skills
- Relationship Building
- Client Relationships
- Relationship building and management
- Excellent Communication
Certification
- 2024-02-13, Advanced Market Risk Management and Regulation, National Banking College
- 2023-10-23, Credit Forms (ADVs) Training, National Banking College
- 2023-09-18, Introduction to Market Risks in Banks, National Banking College
- 2023-04-17, Structuring Documentary Credits, Bonds and Guarantees, National Banking College
- 2022-09-20, Facility Structuring, National Banking College
- 2022-03-16, Financial Statement Analysis, National Banking College
- 2021-05-26, Loan Workout and Debt Restructuring, National Banking College
- 2020-11-21, Anti-Money Laundering/ Combating the Financing of Terrorism, Prudential Bank Training School
- 2020-09-05, Loan Management, National Banking College
- 2020-02-25, Business Risk Analysis and the Asset Conversion Cycle, National Banking College
- 2019-03-30, General Compliance and Anti Money Laundering, Prudential Bank Training School
- 2017-04-22, Credit Appraisal and Facility Monitoring, Prudential Bank Training School
- 2016-05-12, Problem Loans, Debt Restructuring and Recovery, Chartered Institute of Bankers
- 2016-02-08, Loan Portfolio Management, National Banking College
- 2015-08-10, Syndicated Lending, National Banking College
- 2015-06-24, Corporate Credit Analysis for Effective Credit Operations in Financial Institutions, Chartered Institute of Bankers
- 2015-03-16, Microsoft Excel and Data Management in the Banking Environment, Prudential Bank Training School
- 2015-01-19, Introduction to Credit Management, National Banking College
- 2014-11-24, Banking Basics Module 2, Prudential Bank Training School
- 2014-10-11, Credit Appraisal Techniques, Prudential Bank Training School
- 2014-09-02, Bad Debt Recovery and Turnaround Strategies, Chartered Institute of Bankers
- 2014-10-07, Banking Basics Module 1 and Teamwork, Prudential Bank Training School
- 2014-07-17, Client Relationship Management, Chartered Institute of Bankers
- 2013-10-04, GH Link ATM Reconciliation, Prudential Bank Training School
- 2013-09-09, Orientation Course in Banking, Prudential Bank Training School
- 2011-05-01, Ghana Economic Review and Outlook 2009-2012, Special Edition: The Dawn of the Oil Era, British Council
- 2011-01-01, Life Management Skills, Central University
- 2010-06-01, Career Development, Central University
- 2010-02-01, Springboard Road show, Accra
Leadershipexposures
- 2023-01-01, 2023-12-31, Relationship Manager, Prudential Bank Limited
- 2014-01-01, 2022-12-31, Account Manager, Prudential Bank Limited
- 2009-01-01, 2011-01-01, Cadet Captain, 64 Regiment Cadet Corps, Central University
- 2010-06-01, 2010-08-31, Team Lead, Hebron Consult Ghana Limited
- 2003-01-01, 2004-12-31, Library Prefect, Osei Tutu II College
Abilitiesandknowledge
Results oriented, tactful and the ability to work in a team. Ability to work under little or no supervision. Good knowledge of Flexcube Application Version 12. Good knowledge of Oracle Analytics Application. Ability to learn new things quickly, provide effective communication and good interpersonal skills. Time conscious. Computer literate: familiar with a number of Document Creation Programs (Microsoft Office). High level of Confidentiality. Reliable, Honest, Courteous, Friendly and Hardworking. Good organizational skills and highly attentive to detail. Excellent interpersonal skills and good communication skills. Excellent Internet Usage
References
- Mr. Kwasi Sekyere-Abankwa, Head, Corporate Banking Department, Prudential Bank Limited, 024 479 9672 / 050 079 9672
- Mrs. Adelaide Newton, Head, Customer Accounts Management Department, Prudential Bank Limited, 020 120 3063 / 055 489 3711
Hobbies and Interests
Listening to music, reading, driving, watching football and browsing the internet
Timeline
Ag. Team Lead
Prudential Bank Limited
2023.09 - 2023.12
Relationship Manager
Prudential Bank Limited
2023.01 - Current
Account Manager
Prudential Bank Limited
2014.05 - 2022.12
Prudential Bank Limited
2013.08 - 2014.04
Administrative Officer
DKC Group
2012.09 - 2013.07
National Service
Gowrie Senior High/Technical School
2011.10 - 2012.08
Attachment
DKC Group
2011.05 - 2011.09
Internship
SIC Insurance Company Limited
2011.02 - 2011.05
Management Trainee
Hebron Consult Ghana Limited
2010.07 - 2010.08
Accountant
Willis Drinking Water, Borehole Drilling and Car Dealers
2004.09 - 2005.06
Master of Business Administration (Finance) -
Methodist University College, Ghana
Bachelor of Science, Economics -
Central University, Accra
Senior Secondary School Certificate Examination - Business -
Osei Tutu II College
- 2024-02-13, Advanced Market Risk Management and Regulation, National Banking College
- 2023-10-23, Credit Forms (ADVs) Training, National Banking College
- 2023-09-18, Introduction to Market Risks in Banks, National Banking College
- 2023-04-17, Structuring Documentary Credits, Bonds and Guarantees, National Banking College
- 2022-09-20, Facility Structuring, National Banking College
- 2022-03-16, Financial Statement Analysis, National Banking College
- 2021-05-26, Loan Workout and Debt Restructuring, National Banking College
- 2020-11-21, Anti-Money Laundering/ Combating the Financing of Terrorism, Prudential Bank Training School
- 2020-09-05, Loan Management, National Banking College
- 2020-02-25, Business Risk Analysis and the Asset Conversion Cycle, National Banking College
- 2019-03-30, General Compliance and Anti Money Laundering, Prudential Bank Training School
- 2017-04-22, Credit Appraisal and Facility Monitoring, Prudential Bank Training School
- 2016-05-12, Problem Loans, Debt Restructuring and Recovery, Chartered Institute of Bankers
- 2016-02-08, Loan Portfolio Management, National Banking College
- 2015-08-10, Syndicated Lending, National Banking College
- 2015-06-24, Corporate Credit Analysis for Effective Credit Operations in Financial Institutions, Chartered Institute of Bankers
- 2015-03-16, Microsoft Excel and Data Management in the Banking Environment, Prudential Bank Training School
- 2015-01-19, Introduction to Credit Management, National Banking College
- 2014-11-24, Banking Basics Module 2, Prudential Bank Training School
- 2014-10-11, Credit Appraisal Techniques, Prudential Bank Training School
- 2014-09-02, Bad Debt Recovery and Turnaround Strategies, Chartered Institute of Bankers
- 2014-10-07, Banking Basics Module 1 and Teamwork, Prudential Bank Training School
- 2014-07-17, Client Relationship Management, Chartered Institute of Bankers
- 2013-10-04, GH Link ATM Reconciliation, Prudential Bank Training School
- 2013-09-09, Orientation Course in Banking, Prudential Bank Training School
- 2011-05-01, Ghana Economic Review and Outlook 2009-2012, Special Edition: The Dawn of the Oil Era, British Council
- 2011-01-01, Life Management Skills, Central University
- 2010-06-01, Career Development, Central University
- 2010-02-01, Springboard Road show, Accra
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