David Sakore
Afosu,Eastern Region
Summary
A fast learner with good understanding of effective credit procedures. very sound analytical skills to examine financial segments for effective and efficient credit delivery. Astute Credit Officer equipped to manage high-volume credit applications. Evaluated customer creditworthiness and offers denials and approvals in line with established parameters. Enforces data safety and confidentiality standards to safeguard corporate interests and customer data. Posses good interpersonal relations and good negotiation skills to grow a quality loan portfolio.
Overview
9
9
years of professional experience
7
7
years of post-secondary education
Work history
Microfinance Credit Officer
Mumuadu Rural Bank Plc
New Abirem, Eastern Region
05.2018 - Current
- Managing the Microfinance portfolio for the branch
- Prospecting for loan clients in new areas for the bank.
- Formation of loan groups.
- Training and appraisal of groups and individual applicants.
- Loan recommendation, booking and disbursement of loans.
- Loan recoveries and monthly reports.
- Recommended credit rating procedures resulting in increased risk analysis accuracy.
- Guaranteed compliance by maintaining up-to-date knowledge of anti-money laundering and FCA regulations.
- Assessed and tracked team and personal KPIs and strived to meet set targets.
- Improved efficiency of cash collection activities and reduced bad debt exposure.
- Provided customised credit solutions for families and small business owners, leading to increase in loan portfolios.
- Grew existing client relationships through regular updates and engagement, boosting retention.
- Maintained electronic log of communications with customers in respect to outstanding payments.
- Controlled credit risk by analysing portfolio and identifying potential issues impacting client security.
- Prepared monthly statements and followed up on overdue balances by telephone or email.
- Analysed customer history and financial reports to assess risk and creditworthiness.
- Educated clients on loan products available to facilitate decision-making, describing complex terms in easy-to-understand language.
Credit Officer
Amantin and Kasei Comm. Bank Ltd.
Kajeji, Bono East
05.2015 - 04.2018
- Loan appraisals and recommendations. That is individual micro, groups, normal loans, salary loan, and others.
- Supervised mobile banking and mobile money operators.
- Grew existing client relationships through regular updates and engagement, boosting retention.
- Implemented new accounting software, resulting in faster reporting.
- Maintained electronic log of communications with customers in respect to outstanding payments.
- Acted as point of contact for all matters relating to collections and credit management.
- Facilitated profitability tracking by producing performance reports for senior management.
- Analysed customer history and financial reports to assess risk and creditworthiness.
- Streamlined workflows by improving system knowledge, improving processing times.
- Assessed and tracked team and personal KPIs and strived to meet set targets.
- Highlighted problematic accounts to management via regular updating.
- Oversaw and coordinated application process of loan closings from enquiry to completion.
- Provided customised credit solutions for families and small business owners, leading to increase in loan portfolios.
- Educated clients on loan products available to facilitate decision-making, describing complex terms in easy-to-understand language.
- Improved efficiency of cash collection activities and reduced bad debt exposure.
- Prepared monthly statements and followed up on overdue balances by telephone or email.
- Optimised customer service communication by maintaining accurate applicant records in company CRM.
Banking Officer
Amantin and Kasei Comm. Bank Ltd.
ANK , Bono East
04.2014 - 04.2015
- Researched companies and prepared reports for presenting to management and prospective buyers.
- Supervised branch operations to spur continuous improvements and enhance service delivery including cashiering, accounts opening and money transfers..
- Engaged customers to answer questions regarding account balances, outstanding balances and deposits.
- Met new and existing clients to negotiate contracts and grow business.
- Managed cash flow by collecting and depositing payments into bank accounts.
- Interpreted and followed banking laws to comply with local and national government regulations.
- Prepared loan status reports and lending activity for supervisors.
- Authorized banking transactions.
- undertook all operation activities including money transfer transactions, Accounts opening, Image scanning and uploads, branch stock management and branch reconciliation.
Education
Master of Business Administration - Finance
University of Ghana
Accra, Ghana 11.2020 - 02.2023
Bachelor of Business Administration - Accounting
Garden City University College
Kumasi, Ghana 09.2015 - 08.2017
HND - Accountancy
Koforidua Technical University
Koforidua, Ghana 09.2009 - 06.2012
Skills
- Fast learner
- Credit management processes
- Financial statement analysis
- Financial risk minimization
- Personal loans expertise
- Loan documentation
- Credit exposure monitoring
- Banking software knowledge
- Creditworthiness assessments
- Liquidity studies
- Credit risk management
- Credit analysis
- Loan recovery processes
- Very analytical and ability to lead
- Good understanding of Credit procedures
- I have in-depth skills in Microsoft office and internet applications
Languages
English
Fluent
Timeline
Master of Business Administration - Finance
University of Ghana
11.2020 - 02.2023
Microfinance Credit Officer
Mumuadu Rural Bank Plc
05.2018 - Current
Bachelor of Business Administration - Accounting
Garden City University College
09.2015 - 08.2017
Credit Officer
Amantin and Kasei Comm. Bank Ltd.
05.2015 - 04.2018
Banking Officer
Amantin and Kasei Comm. Bank Ltd.
04.2014 - 04.2015
HND - Accountancy
Koforidua Technical University
09.2009 - 06.2012
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