Summary
Overview
Work History
Education
Skills
References
Hobbies and Interests
Publications
Training
Timeline
Generic

BISMARK ADJEI

Kumasi

Summary

Proactive personnel with twenty years of progressive experience, with a track record of delivering quantifiable results in sales, profit and loss management, staff supervision, credit appraisal, customer service, cash and key management, and ensuring adherence to legal standards and the company’s in-house policies. Well-regarded interpersonal, analytical, problem-solving, and team-building skills that contribute to seamless banking activities to achieve the ultimate corporate goal.

Overview

20
20
years of professional experience

Work History

Head of Credit, Monitoring & Evaluation

Bills Micro Credit Ltd
Accra
01.2024 - Current
  • Oversee credit research initiatives to analyze risk and draw the attention of Management to non-performing loans in portfolios.
  • Ensure Credit Risk Analysts follow relevant credit procedures and policies by the company.
  • Manage the Credit Risk Analysts Team and address complex analysis issues that are escalated for attention.
  • Randomly undertake spot checks and monitor portfolios of Credit Risk Analysts.
  • Supervise Credit Risk Analysts in the day-to-day performance of their duties.
  • Prepare accurate weekly/ monthly/quarterly credit reports.
  • Ensure the Credit Risk Analysts maintain all files, including soft copies, according to the formats, standards and requirements given.
  • Ensure that team members comply with the policies and procedures of the company.
  • Liaise with the Recovery Manager and Collect daily information on repayment on the entire credit portfolio, collate report on non-payments and action to be taken.
  • Preparation of weekly credit portfolio report and analysis for management information.
  • Organize periodic portfolio reviews/arrears for management reviews.
  • Supervise the work of a team of credit staff

Head of Training & Monitoring

Bills Micro Credit Ltd
Accra
01.2023 - 12.2023
  • Identify and assess future and current training needs through job analysis, career paths, annual performance appraisals and consultation with line managers.
  • Conduct effective induction and orientation sessions.
  • Monitor and evaluate training program’s effectiveness, success and Return on Investment periodically and report on them.
  • Draw an overall or individualized training and development plan that addresses needs and expectations.
  • Resolve any specific problems and tailor training programs as necessary.
  • Maintain a keen understanding of training trends, developments and best practices.
  • Monitoring and Evaluating the Non-Performing Loans (NPL) periodically and report on them for the necessary actions to be taken.

Head of Operations

Bills Micro Credit Ltd
09.2021 - 12.2022
  • Develop and maintain the procedures for monitoring and controlling client loans, process for default loans and ensure all staff comply.
  • Monitoring of performance of the Credit Strategy and making recommendations to improve performance over time.
  • Review of loan applications recommended by Operations Managers, Area Managers and Field Officers.
  • Conduct regular verification of information from the field.
  • Ensure timely collection of all loan payments and management of non-performing loans
  • Conducting market survey and research into product performance and business expansion coverage.
  • Training and development of staff within the company.
  • Develop and maintain procedures for managing difficult loans, bad debts, realization of security and ensure all staff understand these and comply
  • Indicate market and industry changes and organize responses to these changes through Product Management.
  • Implemented risk management protocols and safety measures
  • Provided leadership, mentorship, and guidance to team members in order to foster a collaborative work environment.
  • Managed cross-functional teams to optimize lending processes

Operations Manager

Bills Micro Credit Ltd
05.2018 - 08.2021
  • Plan, manage and direct the lending operations of the Region;
  • Establish priorities and develop goals and objectives in line with that of the company and monitor the accuracy of work and reports.
  • Establish and maintain effective working relationship with public officials, public/private agencies and others on variety of issues
  • Working with all stakeholders in the region towards the achievement of operational goals.
  • Revise procedures, reports etc. periodically to identify hidden risks or non-conformity issues;
  • Prepare reports for executive management and external regulatory bodies as appropriate;
  • Developed and maintain professional relationships with all customers and prepare required presentation and recommend various strategies to reduce processing costs for organization and ensure authenticity of all information.
  • Streamlined processes to optimize loan approval workflows and reduce turnaround time.
  • Coordinated training sessions to develop staff skills in customer service and compliance.
  • Implemented quality control measures to ensure adherence to company policies and standards.
  • Prepared operational reports for senior management to inform strategic decisions.
  • Supervised day-to-day workflow of employees in order to maximize productivity and maintain quality standards.

Compliance Manager

Sinapi Aba Savings and Loans Limited
09.2017 - 04.2018
  • Develop and oversee control systems to prevent or deal with violations of legal guidelines and internal policies.
  • Evaluate the efficiency of controls and improve them continuously.
  • Revise procedures, reports etc. periodically to identify hidden risks or non-conformity issues.
  • Draft, modify and implement company policies.
  • Collaborate with various departments to monitor enforcement of standards and regulations.
  • Assess the business’ future ventures to identify possible compliance risks
  • Review the work of various departments to identify compliance issues and provide advice.
  • Keep abreast of regulatory developments within or outside of the company as well as evolving best practices in compliance control.
  • Prepare reports for senior management and external regulatory bodies as appropriate.
  • Developed compliance policies aligned with regulatory standards and organizational goals.
  • Conducted risk assessments to identify compliance gaps and recommend improvements.
  • Led training sessions to educate staff on compliance regulations and best practices.
  • Reviewed internal processes to ensure adherence to financial regulations and guidelines.
  • Collaborated with management to implement effective compliance monitoring systems.

Branch Operations Manager

Sinapi Aba Savings and Loans Limited
Tarkwa, Goaso and Sunyani
06.2013 - 08.2017
  • Successfully supervised, trained, and motivated operations staff to deliver world-class customer service, as well as driving branch revenue by increasing business through networking, new client prospecting, and referrals.
  • Work assiduously to ensure compliance with KYC standards, as well as manage branch cash limits, keys (vault keys), authorize transactions above the teller’s limit, and process entries and vouchers to ensure daily balancing of the various suspense accounts.
  • Diligently worked as a branch credit committee member to appraise and approve loans within the branch’s limit.
  • Increase market share by implementing effective sales strategies at the branch.
  • Consistently process entries and vouchers to ensure that all cash in transit and the various suspense accounts are balanced on a regular basis.
  • Diligently authorized cash limits above the tellers to avoid the incidence of fraud and its attendant cash losses.
  • Maintained Portfolio at Risk (PAR) at the appreciable limit, in collaboration with the credit department.
  • Managed cash movement to ensure the institution operates within approved limits, as well as making cash available for daily transactions.
  • Review teller transactions frequently to ensure smooth operations.
  • Review all account-opening documentation from the customer service officer to ensure conformity with processes and procedures.

Branch Operations Manager

Opportunity International Savings and Loans Limited
Goaso
03.2012 - 05.2013
  • Managed cash movement to ensure the Institution operates within approved limit as well as making cash available for daily transactions.
  • Review teller transactions frequently to ensure smooth operations
  • Review all account opening documentations from the customer service officer to ensure conformity with processes and procedures.
  • Developed strategies and maintain effective customer services programs and achieve all customer expectation.
  • Prepared and maintain all reports for branch such as appraisals.
  • Developed and maintain professional relationships with all customers and prepare required presentation and recommend various strategies to reduce processing costs for organization and ensure authenticity of all information.

Relationship/Agric-Finance Officer

Opportunity International Savings and Loans Limited
Kejetia - Kumasi
04.2009 - 03.2012
  • Evaluate loan applications and documents, Facilitated the process of loan applications, monitor repayments performance
  • Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Co-ordinated with Techno serve Ghana and Millennium Village Project to identify potential Cocoa Farmers to assist them with a loan facility under the CLP and UNDP programme.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
  • Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
  • Market bank products to individuals and firms, promoting bank services that may meet customers' needs.

Deposit Monitoring Officer / Supervisor

Opportunity International Savings and Loans Ltd
Kejetia - Kumasi
12.2005 - 03.2009
  • Reconciliation of balances on daily basis
  • Frequent Monitoring to check adherence to company policies
  • Daily call-over of transactions and passing of vouchers on wrong data capturing.
  • Assisting the loans officer in assessment, processing and disbursement of loans.
  • Driving the department to achieve deposit target on weekly / monthly basis.
  • Initiated programmes at branch level to help achieve mobilization targets
  • Intermittent field checks to bring malpractice to the barest minimum or truncate it.
  • Submitted daily report and weekly field check reports.

Education

ACIB -

Chartered Institute of Bankers (CIB)GH
Accra - Ghana
12-2024

MSc. - Accounting and Finance

Christian Service University
Kumasi - Ghana
03-2021

Bachelors - Business Administration (BBA) – Accounting Option

Christian Service University
Kumasi - Ghana
05-2008

Accounting Technicians Scheme West Africa (ATSWA) - Accounting

Kumasi Technical University
Kumasi - Ghana
05-2005

SSSCE - Business Option

Armed Forces Senior High Technical School
Uaddara Barracks, 4BN - Kumasi
12-1998

Skills

  • A team player, good human relations, strong research and report writing abilities, as well as negotiation and influencing skills, exceptional ability to work under pressure, and independently, also eager to take initiatives
  • Good working knowledge of Microsoft Office packages, such as Word, Excel, and Outlook
  • Expert in Temenos Globus - T24, banking Software

References

  • Kofi, Acheampong, Chief Executive Officer (CEO) - Suma Rural Bank, Sampa. 0209-005421 / 0249-327206,
  • Kwame Nsiah Boakye, Head of Department – Compliance & Recoveries, Sinapi Aba Savings and Loans Ltd - Head Office, Kumasi. 0503-898800 / 0243-572765,
  • Rev Emmanuel Adusei Dapaah - Believers Gospel Church, Abrepo Junction – Kumasi. 0244-563430 / 0272-812121

Hobbies and Interests

Reading 

Listening to music

Watching Football

Publications

  • The Influx and Effect of Micro Finance Institutions in the Kumasi Metropolis
  • Assessing the causes and impact of non-performing loans on the profitability of financial institutions: A case study of some selected rural and commercial banks

Training

  • A day’s training on the use of e-zwich smart cards
  • Two days training on Basic Banking Principle and Customer Service
  • Three days training on Advanced Banking Operations
  • Three days Cashiering training and induction course
  • Training on Micro Finance Best Practices / Small Business Loan Management
  • Three days leadership training
  • Five days training on Managing People in an Institution.
  • Attended trainings on the following courses and money transfers services:
  • Anti Money Laundering (AML)
  • RIA
  • Western Union Money Transfers
  • SMALL WORD
  • SIQUE
  • TRANSFAST
  • MONEYGRAM
  • XPRESS MONEY

Timeline

Head of Credit, Monitoring & Evaluation

Bills Micro Credit Ltd
01.2024 - Current

Head of Training & Monitoring

Bills Micro Credit Ltd
01.2023 - 12.2023

Head of Operations

Bills Micro Credit Ltd
09.2021 - 12.2022

Operations Manager

Bills Micro Credit Ltd
05.2018 - 08.2021

Compliance Manager

Sinapi Aba Savings and Loans Limited
09.2017 - 04.2018

Branch Operations Manager

Sinapi Aba Savings and Loans Limited
06.2013 - 08.2017

Branch Operations Manager

Opportunity International Savings and Loans Limited
03.2012 - 05.2013

Relationship/Agric-Finance Officer

Opportunity International Savings and Loans Limited
04.2009 - 03.2012

Deposit Monitoring Officer / Supervisor

Opportunity International Savings and Loans Ltd
12.2005 - 03.2009

ACIB -

Chartered Institute of Bankers (CIB)GH

MSc. - Accounting and Finance

Christian Service University

Bachelors - Business Administration (BBA) – Accounting Option

Christian Service University

Accounting Technicians Scheme West Africa (ATSWA) - Accounting

Kumasi Technical University

SSSCE - Business Option

Armed Forces Senior High Technical School

Similar Profiles

CREATE PROFILE
BISMARK ADJEI