Daniel Aboagye
East Legon,Ghana
Summary
Dynamic and analytical Bank Relationship Manager and Head of Branch Credit Team with over 12 years of progressive banking experience spanning credit analysis, risk assessment, portfolio management, and client relationship development. Proven track record in leading credit decision-making processes, preparing high-quality credit applications, monitoring loan portfolios, and ensuring compliance with internal risk frameworks and regulatory guidelines. Highly skilled in evaluating financial statements, developing forecasts, analysing industry trends, and collaborating with cross-functional teams including Risk, Coverage, and senior management to deliver prudent and profitable credit decisions. Adept at balancing business growth with disciplined risk management, and recognized for strong stakeholder engagement, excellent communication, and sharp analytical abilities. Seeking to leverage extensive frontline credit leadership experience into a Credit Analyst role within a dynamic financial institution
Overview
12
12
years of professional experience
9
9
years of post-secondary education
1
1
Certification
Work history
Relationship Manager
Sinapi Aba Savings and Loans
12.2021 - 12.2025
- Led the branch credit team, overseeing end-to-end credit assessment processes and ensuring sound risk decisions aligned with internal credit policies and regulatory standards.
- Prepared and reviewed detailed credit analyses, including borrower background, financial performance, industry position, and risk factors, mirroring the requirements of institutional-level credit analysis.
- Analysed financial statements, performed ratio analysis, assessed liquidity, leverage, cash flow adequacy, and developed financial projections and stress scenarios for high-value clients.
- Conducted due diligence, customer visits, and portfolio reviews to evaluate strategic direction, managerial quality, and governance practices.
- Evaluated risks associated with proposed transactions and recommended appropriate mitigants, enhancing the branch’s risk-return profile.
- Monitored client exposure, covenant compliance, market developments, and industry trends to flag early-warning signals and maintain a healthy credit portfolio.
- Worked closely with Risk Officers, Branch Managers, and senior leadership to present credit proposals, defend risk assessments, and support credit-grade decisions.
- Served as the first line of defence, ensuring proper risk identification, assessment, monitoring, and adherence to KYC, AML, and sanctions compliance.
- Supported business growth by partnering with product teams and coverage units to structure customer solutions aligned with bank strategy while safeguarding credit quality.
Branch Coordinator
Sinapi Aba and IDP Foundation Inc. Programme
Mataheko - Accra, Ghana
01.2014 - 12.2021
- oordinated IDP Foundation’s Rising Schools Program (RSP) across assigned operational zones.
- Served as the link between IDP Foundation leadership, schools, loan officers, and community stakeholders.
- Monitored program activities, collected field data, and prepared donor-facing reports.
- Organized capacity-building workshops for school proprietors, teachers, and community leaders.
- Supported MEL efforts by tracking school performance indicators, enrollment trends, and impact outcomes.
- Ensured proper documentation of program resources, budgets, and operational expenditures.
- Cultivated strong relationships with partner schools, demonstrating empathy and cultural sensitivity.
- Strengthened program operations through improved planning, communication, and administrative systems.
Relationship Officer
Sinapi Aba Savings and Loans Limited
10.2013 - 11.2021
- Researched client business needs and scheduled appointments for opportunity discussions.
- Developed cross-functional relationships to create client-centred solutions.
- Utilised active listening and effective communication to foster long-term relationships with lucrative clients.
- Analysed borrower reports to monitor repayments and compliance with loan agreements.
- Collected and verified borrower income, credit history, and employment information.
- Adhered to banking requirements and government lending regulations.
- Increased loan and deposit portfolio beyond GHS 1,000,000 and GHS900,000 through strategic account management.
- Opened new accounts and processed transactions while collecting necessary client documentation.
- Delivered exceptional customer service by actively listening to client needs and addressing concerns.
- Coordinated outreach initiatives to promote products and services to potential clients.
Education
Bachelor of Science - Economics and Statistics
Methodist University College of Ghana
Dansoman - Accra, Ghana 09.2017 - 06.2021
Higher National Diploma (H.N.D) - Statistics
Accra Technical University
Accra, Ghana 09.2008 - 05.2011
WASSCE - Building Construction
Presbyterian Senior High Technical School
Aburi, Eastern Region, Ghana 09.2004 - 06.2007
Skills
- Credit Risk Analysis & Approval
- Financial Statement Analysis
- Ratio Analysis & Stress Testing
- Loan Portfolio Monitoring
- Transaction Risk Assessment
- Client Relationship Management
- Governance & Compliance
- Credit Application Preparation
- Cash Flow & Forecast Modelling
- Industry & Market Analysis
- Fraud & Sanctions Awareness
- Team Leadership & Training
- Multi-Stakeholder Collaboration
- Regulatory & Policy Adherence
- First Line of Defence Risk Controls
Accomplishments
- Promoted from Relationship Officer to a Relationship Manager, in 2021 due to good loan and deposit portfolio Management.
- As a Relationship Manager, I drove the increased the branch's loan and deposit portfolio form GHS 2,000,000 and GHS 5,000,000 to GHS 4,000,000 to GHS 6,000,000 respectively at Swedru.
- As a Relationship officer, I increased my loan and deposit portfolio over GHS 1,000,000.00 and GHS 900,000.00 through client-focused approach to strategic account management.
- Trained a mobile banker to be part of the records department at the Mataheko branch.
- Integrated into the records team and became the records champion from 2014 - 2021
Affiliations
- Reading and research
Certification
Certificate of participation in Small and Medium Enterprise
Finance Frankfurt School of Finance and Management and Sinapi Aba Savings and Loans
Reference
Richolive Appiah-Kubi
Senior Credit Analyst
Sinapi Aba Savings and Loans Limited, Ghana
Contact: 0501287839
Nana Tiwaa Busia
Pharmacist Korle Bu Teaching Hospital, Accra - Ghana
Contact: 0244215124
Mr. Seth Ofori Former Branch Manager
Sinapi Aba Savings and Loans Limited, Ghana
Contact: 0201852131
Timeline
Relationship Manager
Sinapi Aba Savings and Loans
12.2021 - 12.2025
Bachelor of Science - Economics and Statistics
Methodist University College of Ghana
09.2017 - 06.2021
Branch Coordinator
Sinapi Aba and IDP Foundation Inc. Programme
01.2014 - 12.2021
Relationship Officer
Sinapi Aba Savings and Loans Limited
10.2013 - 11.2021
Higher National Diploma (H.N.D) - Statistics
Accra Technical University
09.2008 - 05.2011
WASSCE - Building Construction
Presbyterian Senior High Technical School
09.2004 - 06.2007