Batholomew Naseri
Banker
Upper
Summary
Highly detail-oriented and professional Branch head successful at meeting and exceeding branch goals. Expertise in customer service relations and sales management.
Overview
16
16
years of professional experience
Work History
Branch Head
Profin Ghana Ltd
Kumasi
02.2023 - Current
- Responsible for managing the branch risk assets portfolio which currently stands at GHS15m diversified credit portfolio of SMEs and individuals
- Responsible for reporting to management the branch portfolio performance, portfolio at risk analysis, aging analysis,monitoring and recovery reporting etc - Responsible for reviewing credit applications at the branch level to ensure that all applications meets the institutions credit policies and standards - Oversight responsibility of the credit administration team to ensure compliance with disbursement conditone and loan documentation
- Responsible for overseeing and coordinating all the day to day operations of the branch - Recommending for recruitment of staff whiles heading the onboarding and staff training process - Employee mentorship and leading the charge in customer service are both areas that need to continually improve
Credit Risk Analyst
Profin Ghana Ltd
Kumasi
01.2013 - 01.2023
- Successfully managing a healthy credit portfolio with NPL ratio of 2.1% one of the lowest in the institution - Assessement of associated credit execution risks such as market, operational, financial and businesses etc
- As a leader of the credit team, we were responsible for delivering an effective and efficient branch credit chain including origination, credit analyst and risk review, structuring, administration, monitoring and recovery - Leading the credit team to achieve a monthly disbursement target of GHS1,200,000 for the branch - Review credit applications and structure facilities in compliance with the institution’s credit policies and procedures
- Recommend credit risk mitigants,whiles setting the credit terms and conditions, the appropriate collections strategies for credit committee approval.
Senior SME Relationship officer
Advans Ghana Savings and Loans Ltd Kumasi
01.2010 - 01.2013
- Responsibly managed an SME portfolio of GHS3m with 2% less non performing loans
- Relationship and arrears management - Responsibly for external relationship management i.e insurance companies, DVLA, lands commission, Otumfuor lands secratariat etc - Ensuring that facility and security documents are properly perfected and filed with Legal
- Department (LD)
- Coordinate and ensure that the post-approval implementation of facilities and legal documentations are complied with
- Supervised and coordinated credit and deposit activities of the relationship Officers
- Reviewed and appraised corporate loan applications
Bank Teller
Advans Ghana Savings and Loans ltd Accra
03.2010 - 07.2010
- Welcomed clients at the counter and if need be introduce sthem to the most relevant person
- Carried out all cash related transactions (verification of vouchers, loan disbursement, repayment, both cash deposit and withdrawals) - Respected anti money laundering / know your customerspolicies by identifying all the clients and report any suspicious transactions
- Registered all cash transactions in the MIS systems used for serving the purpose
- Participate in the field promotion of the organization.
10.2008 - 06.2009
- Monitoring and evaluation of treatment and control communities in the Garu-Tempane and
- East Mamprusi districts under the Enhanced savings and credit Associations for poverty
- Eradication (ESCAPE) project - Reports on the activities of other development agencies operating in the control and the treatment communities
Administrator/Accounts Officer
NBSSI-National Service Garu/TempaneDistrictAssambly
08.2007 - 06.2008
- Bookkeeping, monthly reports writing
- Management of Disbursed loans - Arrange and co-ordinate logistics and other program activities and report to my supervisor
- Filing of receipts and documents for reference
- Volunteer Experience
- Innovation for Poverty Action (IPA)
- Project Monitoring and Evaluationsofficer
Education
Bachelor of technology - accounting
KsTU
reporting, spread sheets accounting etc Certificate in NGO project management, Cambridge Center for Excellence Accra, Ghana - undefined
Higher National Diploma - undefined
Tamale Technical University Tamale
Research Methodology, Auditing, quantitative methods etc SSSCE Certificate - undefined
Tempane Senior Secondary School
Business Management, Economics etc - undefined
Skills
Reporting familiarity
Sales professional
Business development expertise
Relationship building and management
Cash handling expertise
Banking
Financial services
Staff Management
Documentation
Team Player
Loans
Financial Advising
Goals and performance
Sales expertise
Relationship Management
Approachable
Accounts Receivable
Collections
Business Development
Cash Handling
Staff Training
Marketing
Customer service awareness
Accomplishments
- Technical Skills:
- Tally accounting, Orbit banking, Terminus 24, pastel accounting, ability to use Microsoft office
- Achievements: - Consistently received satisfactory review or better on all the branch credit portfolio, demonstrating outstanding quality, competence, and very attentive to details - Consistently introducing 1-2 new loans weekly to maintain service level agreements with internal business partners - Assigned complex business transaction to conduct due diligence and monitor as a results of demonstrated skills
Timeline
Branch Head
Profin Ghana Ltd
02.2023 - Current
Credit Risk Analyst
Profin Ghana Ltd
01.2013 - 01.2023
Bank Teller
Advans Ghana Savings and Loans ltd Accra
03.2010 - 07.2010
Senior SME Relationship officer
Advans Ghana Savings and Loans Ltd Kumasi
01.2010 - 01.2013
10.2008 - 06.2009
Administrator/Accounts Officer
NBSSI-National Service Garu/TempaneDistrictAssambly
08.2007 - 06.2008
Bachelor of technology - accounting
KsTU
reporting, spread sheets accounting etc Certificate in NGO project management, Cambridge Center for Excellence Accra, Ghana - undefined
Higher National Diploma - undefined
Tamale Technical University Tamale
Research Methodology, Auditing, quantitative methods etc SSSCE Certificate - undefined
Tempane Senior Secondary School