Overview
Work History
Education
Accomplishments
References
Skills
Summary
Timeline
Batholomew Naseri

Batholomew Naseri

Branch Head
Kumasi ,Ghana

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.

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

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

Education

Bachelor of technology - accounting

KsTU
2013
Financial accounting, management accounting, research methodology

reporting, spread sheets accounting etc Certificate in NGO project management, Cambridge Center for Excellence Accra, Ghana - undefined

2012
The role of NGOs in economic development, Structure of the society and NGOs role, etc

Higher National Diploma - undefined

Tamale Technical University Tamale
2007
Financial accounting

Research Methodology, Auditing, quantitative methods etc SSSCE Certificate - undefined

Tempane Senior Secondary School
2001
Financial Accounting

Business Management, Economics etc - undefined

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

References

REFERENCE Will be provided on request

Skills

  • Goals and Performance
  • Customer and Vendor Relations
  • Branch Operations
  • Sales Expertise
  • Safety Protocols
  • Accounts Payable and Accounts Receivable
  • Customer Relationship Management
  • Financial Analysis
  • Staff Management
  • Internal Controls and Reporting Systems
  • Build Customer Relationships
  • Commercial Lines of Credit
  • Account Analysis Expertise
  • Strategic and Financial Planning
  • Risk Assessment and Classification
  • Cost Control and Reduction
  • Credit Approval and Denial
  • Attention to Detail
  • Active Listening

Summary

  • Highly detail-oriented and professional successful at meeting and exceeding branch goals. Expertise in customer service relations and sales management.

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
KsTU - Bachelor of technology, accounting
- reporting, spread sheets accounting etc Certificate in NGO project management, Cambridge Center for Excellence Accra, Ghana,
Tamale Technical University Tamale - Higher National Diploma,
Tempane Senior Secondary School - Research Methodology, Auditing, quantitative methods etc SSSCE Certificate,
- Business Management, Economics etc,

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Batholomew Naseri Branch Head