GABRIEL SEGTOB
VISIONFUND GHANA MICRO CREDIT LIMITED
13
Years of experience
6
years of post-secondary education
Results-driven Banking Associate with over Ten (10) years banking experience in Universal, Saving and Loans and Micro-Credit financial institution. My expertise is in retail banking and customer relationship management. Proven track record of growing deposits by 35%, growing both small and micro loan portfolio of GH?2m with <1% NPL and achieving 98% of customer satisfaction. Skilled in cross-selling, credit analysis, KYC/AML compliance and delivering personalised financial solution. Am known for building trust and turning first-time clients into long-term relationship.
Work History
CLIENT RELATIONSHIP OFFICER/MANAGER
4 Years 9 Months- Managing a portfolio of over GH?2million with 1550 clients with a portfolio at risk of 1.5% against institutional target of 5%
- Assist in the implementation of Agric Loans to deprived farming communities especially women groups.
- A member of loan Committee, reviewing and approving loan applications
- Monitor loan Repayments and conducts massive recoveries on defaulting clients
- Disburse loans to women groups in both micro and small medium enterprises through the empowerment of world vision international
- To assess the viability of prospective borrowers' businesses and make recommendations for advancing micro loans
- Ensure all pre and post draw-down conditions are met by clients before and after loan disbursement
- To assess and monitor borrowers' business operations to ensure timely loan repayment
- Coached and motivated team, driving sales and delivering exceptional customer service.
- Provided support for customers by addressing complaints quickly and efficiently, displaying exceptional customer service skills.
- Utilized strong analytical and problem-solving skills to address operational issues.
CREDIT RELATIONSHIP OFFICER
3 Years- A member of loan Committee, reviewing and approving loan applications
- Conduct loan appraisal and to collect detailed information (personal, business, guaranties) on the field.
- Monitor the loan portfolio and to ensure timely repayment.
- Created and maintained strong relationships with staff, customers and stakeholders.
- Maintain regular contact with clients by organizing field visit and monitoring.
- Become a respected and active stakeholder in the intervention zone by spending most of the time on the field and creating a trusty relationship with small businessmen/women.
RELATIONSHIP OFFICER/PERSONAL
1 Year- Configured new express point for advantage points to support advantage-point operations.
- Registered customers for digital platform access through bank mobile apps to support account access and usage.
- Verified client information and processed ATM card issuance and replacements to maintain account service continuity.
- Enforced corporate policies and procedures in compliance with applicable laws and regulations.
- Processed foreign exchange trade transaction documentation for cashew exporters and other foreign companies.
- Delivering excellent customer service to all walk-in clients, such as account opening, funds transfer, cheque book request and delivery, filing, activating dormant accounts, balance enquiry and running customer account statement.
- Reviewed data to identify risks, determine needs and adjust.
- Created and maintained strong relationships with staff, customers and stakeholders.
- Identify prospects for cross selling of the bank's products both inside and outside the banking hall
GHANA FINANCIAL SERVICE OFFICER (FSO)
1 Year- Marketing of the bank products to the general public
- Serves as relationship officer to clients
- Coordinated investment booking for clients and facilitated maturity-stage claims processing.
- Assists in making call-over
- Assists in making remittances
- Managing clients by giving them good customer services to retain them
- Led deposit mobilisation activities, including identifying and engaging prospective deposit accounts.
NATIONAL SERVICE PERSONEL
1 Year- Entering data of NHIS clients by using the new biometric System
- Registration of new NHIS clients
- Renewal of NHIS clients expired cards
- Closing of daily money collected from NHIS clients and submits same to the NHIS Finance department for verification
- Auditing of NHIS receipts' book and Financial Reports
- Capturing data of about 500 clients into the computer
Education
PROFESSION CERTIFICATE - Banking And Finance
CERTIFICATE PROGRAMME - COMPUTER NETWORKING-LOCAL AREA NETWORKS AND OSI MODEL
Bachelor of Science - BUSINESS ADMINISTRATION Accounting Option
HND - ACCOUNTANCY
Skills
Microsoft Word
Microsoft Office
Outlook
Microsoft Powerpoint
Microsoft Excel
Customer service
Team leadership
Time management
Relationship building
T24 Banking Software
Personal Information
Nationality: Ghanaian
Timeline
CHARTERED INSTITUTE OF BANKING GHANA
PROFESSION CERTIFICATE from Banking And Finance
09.2025 - CurrentRead More
ALISON
CERTIFICATE PROGRAMME from COMPUTER NETWORKING-LOCAL AREA NETWORKS AND OSI MODEL
05.2025 - 11.2025Read More
KWAME NKRUMAH UNIVERSITY OF SCIENCE AND TECHNOLOGY
Bachelor of Science from BUSINESS ADMINISTRATION Accounting Option
08.2022 - 03.2025Read More
CLIENT RELATIONSHIP OFFICER/MANAGER
VISIONFUND GHANA MICRO CREDIT LIMITED
01.2022 - CurrentRead More
CREDIT RELATIONSHIP OFFICER
ADVANS GHANA SAVINGS AND LOANS
01.2019 - 01.2022Read More
RELATIONSHIP OFFICER/PERSONAL
BANKER FIDELITY BANK GHANA LIMITED
01.2017 - 01.2018Read More
GHANA FINANCIAL SERVICE OFFICER (FSO)
THE BEIGE BANK, NOW CONSOLIDATED BANK GHANA
01.2016 - 01.2017Read More
NATIONAL SERVICE PERSONEL
NATIONAL HEALTH INSURANCE AUTHORITY (NHIA), FINANCE DEPT
01.2014 - 01.2015Read More
DR HILLA LIMANN TECHNICAL UNIVERSITY
HND from ACCOUNTANCY
06.2012 - 10.2014Read More