Christabel Naa Adoley BANNERMAN-SAKA
Accra
Summary
Detail-oriented Banking professional with experience in credit analysis, portfolio management, and corporate client advisory. Associate of the Chartered Institute of Bankers Nigeria. Seeking to deepen expertise in financial economics, investment strategy, and risk management through the Master in Finance and Economics at the University of Luxembourg.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Credit Analyst | Wholesale Banking
Access Bank (Ghana) Plc
Accra, Ghana
01.2025 - Current
- Assessed and approved credit facilities worth $150 million across corporate portfolios while maintaining a non-performing loan ratio below 10%
- Conducted detailed financial statement analysis leading to improved risk grading accuracy and fewer post-disbursement issues.
- Prepared comprehensive credit memos and risk assessments for facilities up to $400 million.
- Ensured full compliance with internal credit policy and regulatory requirements.
- Collaborated with cross-functional teams to streamline credit assessment processes and improve turnaround times.
Relationship Manager | Chinese Business Desk
Access Bank (Ghana)
Accra, Ghana
04.2023 - 01.2025
- Managed 70+ Chinese corporate accounts, driving consistent monthly revenue of $50,000.
- Cultivated strong client relationships through effective communication and personalized service strategies.
- Analyzed client needs to recommend tailored banking solutions, enhancing customer satisfaction and loyalty.
- identified a strategic location in Afienya for new branch establishment, enhancing brand visibility and attracting investment opportunities from the Chinese Community.
- Spearheaded client onboarding and financial structuring while ensuring compliance with regulatory standards.
- Facilitated annual Chinese New Year celebrations in collaboration with corporate communication and branding teams.
National Service Personnel
Access Bank (Ghana) Plc
Accra, Ghana
11.2021 - 04.2023
- Supported the management of a portfolio of Chinese corporate clients with combined exposure of $400 million in monthly deposit.
- Leveraged Mandarin proficiency to facilitate communication with Chinese clients and translate key documents
- Improved internal communication between relationship managers and operations teams.
Financial Operations Intern
CSIR, Water Research Institute
Accra, Ghana
06.2018 - 07.2019
- Analyzed financial data to support budget forecasting and resource allocation.
- Assisted in the preparation of financial reports for internal stakeholders.
- Streamlined invoicing processes, improving accuracy and reducing processing time.
- Collaborated with team members to implement cost-saving initiatives across projects.
Education
Associate Member - Banking And Finance
Chartered Institute of Bankers Nigeria
Nigeria06-2024
Public Administration And Chinese
University of Ghana
Legon, Ghana11-2021
General Arts
Achimota Senior High Scool
Achimota04-2017
Skills
- Corporate Relationship Management
- Credit risk
- Credit Structuring & Risk Analysis
- Deposit Mobilization & Trade Finance
- Microsoft Excel proficiency
- Financial statement analysis
- Analytical mindset
- Quantitative analysis
Certification
- Lending to Commercial Borrowers Training - February 4-6, 2026
- Intermediate Credit Analysis Training Programme, KRC - September 2-13, 2024
Languages
English
Bilingual or Proficient (C2)
Chinese (Mandarin)
Intermediate (B1)
Timeline
Credit Analyst | Wholesale Banking
Access Bank (Ghana) Plc
01.2025 - Current
Relationship Manager | Chinese Business Desk
Access Bank (Ghana)
04.2023 - 01.2025
National Service Personnel
Access Bank (Ghana) Plc
11.2021 - 04.2023
Financial Operations Intern
CSIR, Water Research Institute
06.2018 - 07.2019
Associate Member - Banking And Finance
Chartered Institute of Bankers Nigeria
Public Administration And Chinese
University of Ghana
General Arts
Achimota Senior High Scool