CHARLES KOFI OKRAH
Banker, Finance and Business Consultant
ACCRA,Greater Accra
Summary
Dedicated Corporate Banking professional with a history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand as well as Offering engaging and pleasant personality with expertise in improving customer relationships.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Director, Finance & Business Development
African Bagg Limited
02.2020 - Current
- Key player in setting up the Company’s Financial and Business development strategic goals and decisions as well as the implementation of same.
Corporate Credit Analyst
Republic Bank Ghana Limited
07.2015 - 01.2020
- Processes of credit proposals in respect of new facilities; renewal of existing credit facilities prior to expiry and or enhancement of existing facilities as requested by customers.
- Prepares Department’s portfolio reports for both liabilities and risk assets
- Assists in the preparation of reports for the Board of directors on the Department’s performance against targets.
- Evaluates proposals or business plans submitted by clients in respect of new businesses and makes recommendations to the credit committee for further action.
- Off-site Monitoring of Assigned Accounts: Monitors both liability products and borrowing relationships and develops a report to prompt Relationship Managers and/ or Management to act on all exceptions.
- Liaises with other operating units and support service departments of the Bank so as to facilitate efficient credit delivery.
- Assumes the role of a relationship manager in their absence
- Carries out other administrative duties assigned.
Corporate Executive Assistant
HFC Bank Ghana Limited
08.2012 - 06.2015
- Documents and Credit Review
- Reviewed credit papers and ensured that the approval conditions are adhered to before submitted to ED
- Provided a second eye review for ED on all business documents
- Researched and abstracted information and supporting data in preparation for meetings, projects, and reports
- Drafted minutes for the Finance and Credit Committee of the Board Prepared Decisions of the Finance and Credit Committee of the Board
- Divisional Business Coordination
- Acted as secretary in divisional meetings Followed-up on decisions after meetings
- Consolidated reports from the various departments of the Corporate Division for submission to the ED and Board of Directors
- Researched and drafted business memos for ED for Executive Committee or the Board of Directors for approval.
- Created a database for investigating and monitoring TODs and Excesses on accounts
- Ensured TOD’s and Excesses paid by ED were regularized within the stipulated time.
- Diary and Office Management
- Managed ED’s diary in terms of appointments and meetings.
- Coordinated and maintained effectively office procedures and efficient workflows, e.g
- Mail management.
- Maintained filing and records management systems and other information flow procedures
- Acted as the primary contact person for ED office, took enquires and escalated to him where necessary.
- Prepared draft correspondence, memo, speeches and presentations and aide-memoire from the ED office.
- Circulated communiqué and decisions from ED office to various stakeholders within and outside the Bank.
- Arranged business itineraries and coordinated Executives travel requirements.
SME Credit Analyst
Ecobank Ghana Limited
05.2012 - 08.2012
- Processed SME loans/facilities.
- Ensure effective monitoring of accounts to identify any accounts showing signs of delinquency.
- Liaised with Relationship Manager for prompt review/ renewal of accounts
- Ensured there were no outstanding TODs in excess of 7 days in my portfolio
- Ensured Customers in my portfolio were KYC compliant.
Account Manager
The Trust Bank Limited
02.2011 - 04.2012
- Processed SME loans/facilities
- Ensured effective monitoring of accounts to identify accounts showing signs of delinquency
- Ensured the achievement of 95% credit portfolio quality (Current & OLEM)
- Liaised with Relationship Manager for prompt review/ renewal of accounts
- Ensured no further downgrades of Watchlist and Non Performing accounts
- Ensured recoveries of Watchlist and Non Performing accounts.
- Ensured there were no outstanding TODs in excess of 10 days in my portfolio
- Contributed to the successful implementation of the Bank’s new products.
- Deepened relationship with existing customers and ensured customer retention and no attritions of top Customers.
- Prepared annual Account Plans on all Platinum and Gold classified customers
- Ensured Customers in my portfolio were KYC compliant.
Account Manager
The Trust Bank Limited
09.2009 - 01.2011
- Processed Personal, Executive loans and Auto loans.
- Reviewed and finalized the processing of all Personal, Executive and Auto loans from other Account Managers of all branches.
- Performed other duties of account management in Private Banking.
National Service Personnel
The Trust Bank Limited
11.2008 - 08.2009
- Assisted in the administrative work of the Department
- Assisted in Accounts Monitoring
- Assisted in Preparing of Credit Facility Reports and Memos Ensured KYC compliance for Trust Towers Branch.
Education
MBA - Finance
Coventry University
UK07.2019
Bachelor of Arts - Psychology With Philosophy
University of Ghana
Legon-Accra06.2008
SSCE - BUSINESS
Prempeh College
Kumasi08.2003
Skills
- Negotiation and Persuasion
- Strategic Decision-Making
- Cash Flow Management
- Risk Assessment and Mitigation
- Debt and Equity Financing
- Team Leadership and Management
- Budgeting and Forecasting
- Financial Analysis Expertise
- Account Analysis
Education And Training Courses
- Understanding Borrowing Needs of a Business, 03/11/19 - 03/12/19, Banking College
- Strategic Business & Leadership management, 12/13/18 - 12/14/18, M-GIBES College of Business & Management, UK
- Syndicated lending, 10/16/18 - 10/19/18, Banking College
- Certified Chartered International Banker, 07/16/18 - 07/20/18, High Level Training Institute, UK
- MBA Finance, 01/2018 - 07/2019, Coventry University, UK
- Credit Analysis Techniques-Model II (CAT II), 2018, Republic Bank
- Credit Analysis Techniques-Model I (CAT I), 2018, Republic Bank
- Credit Decision Formulation Training, 04/04/16 - 04/08/16, Republic Bank
- Corporate Lending, 05/11/15 - 05/15/15, Banking College
- Project Management, 06/19/13 - 06/20/13, Knowledge Tree Technologies
- Managing Executives, 10/01/12 - 10/03/12, CBM Consult Ltd
- ACCA Foundation (2 Passes), 06/2011
- Tools for Credit Management program, 12/06/10 - 12/10/10, Banking College
- Operational Risk and Anti-Money Laundering program, 10/22/10, The Trust Bank Spintex Branch
- Borrowers & Lenders (Act 773), 03/27/10, The Trust Bank Spintex Branch
- Credit Risk Management, 02/22/10, The Trust Bank Head Office
- B A (Psychology with Philosophy), 08/2004 - 06/2008, University of Ghana, Legon- Accra
- SSCE (Business), 01/2001 - 08/2003, Prempeh College, Kumasi
Hobbies and Interests
Listening to music, watching movies, travelling, and playing tennis.
References
References will be provided upon your request.
Affiliations
- Global Academy of Finance and Management (GAFM), UK
Certification
Certified Chartered International Banker (CCIB), UK
Timeline
Director, Finance & Business Development
African Bagg Limited
02.2020 - Current
Corporate Credit Analyst
Republic Bank Ghana Limited
07.2015 - 01.2020
Corporate Executive Assistant
HFC Bank Ghana Limited
08.2012 - 06.2015
SME Credit Analyst
Ecobank Ghana Limited
05.2012 - 08.2012
Account Manager
The Trust Bank Limited
02.2011 - 04.2012
Account Manager
The Trust Bank Limited
09.2009 - 01.2011
National Service Personnel
The Trust Bank Limited
11.2008 - 08.2009
MBA - Finance
Coventry University
Bachelor of Arts - Psychology With Philosophy
University of Ghana
SSCE - BUSINESS
Prempeh College
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