Dr. Clement Ansah
Sekondi Takoradi,Ghana
Summary
A certified International Retail Banker from Lafferty Group-Ireland with over 20 years extensive experience in the baking industry, specializing in strategic leadership, business development, and customer relationship management. As a Regional Manager, I have a proven track record of driving regional performance, managing multi-branch operations, through innovative solutions and team leadership. Expertise in risk, credit and compliance management.
In addition to the corporate success, I am an experienced educator in higher education, adept at teaching business and marketing management with skills in Cost design and curriculum development. Combines industry expertise with pedagogical skills in bridging the gap between theory and practice, preparing future professionals for dynamic business environments.
Overview
23
23
years of professional experience
Work History
Regional Manager
Consolidated Bank of Ghana
Cape Coast, Ghana
02.2023 - Current
- Handled human resource concerns and established plans to handle issues consistently and efficiently.
- Minimized turnover through effective training and employee engagement programs.
- Managed staff to optimize brand expansion initiative productivity.
- Managed diverse administrative, financial and documentation requirements.
- Cultivated and maintained solid partner relationships to drive mutually beneficial collaboration and bottom-line profits.
- Maximized branch revenue by optimizing daily operations.
- Analyzed regional market trends to discover new opportunities for growth.
- Mentored and guided general managers on proper processes and methodologies.
- Reduced financial discrepancies by managing P&L to remain under budget with on-time project completion.
- Aligned procedures and protocols with changing business demands.
- Expanded business, developed revenue and managed market gains.
- Organized and conducted recruiting events at area colleges.
- Oversaw development of organization's network and established relationships with community stakeholders.
- Implemented change management and distributor network restructuring strategies, identifying underperforming locations as targets for acquisition.
- Successfully developed market expansion business case for senior leadership on multi-national coordination processes, including sales and marketing, staffing, logistics and product R&D investments.
Cluster Manager
Consolidated Bank Ghana Limited
Cape Coast, Ghana
08.2018 - 02.2023
- Supervises and manages seven (7) Branches within the central regional cluster
- Ownership and accountability for achievement of performance goals for the branches within the cluster covering retail sales and service quality
- Ensures relevant products are in place to meet and exceed the customer needs within the Cluster
- Ensures achievement of the Cluster's financials including income cost of funds and profitability
- Promotes the Bank's brand and values and ensure that the prescribed branding requirements are in place in all the branches
- Maintains appropriate penetration strategy for business generation across the Cluster
- Drive cost control initiatives from time to time and work duly with budgets
- Lead the Teams to develop forecasts and financial objectives
- Drives self-audit mechanism across the branches within the Cluster
- Provide feedback to corporate office through the Regional Manager on infrastructure, products and/ or process changes required
Branch Manager
uniBank Ghana Limited
Takoradi, Ghana
12.2016 - 08.2018
- Designed sales and service strategies to improve revenue and retention.
- Disciplined employees to encourage compliance with company policies and procedures.
- Supported outside sales force in servicing and obtaining new business.
- Prepared job objectives for branch staff and review performance regularly
- Evaluated employee performance and providing feedback and coaching as needed
- Exercised responsibilities over vault management to ensure that the policy on the vault limits is strictly adhered
- Ensured full responsibility of the branch operations to achieve operational efficiency
- Monitored and promoted strong compliance environment regarding KYC with zero tolerance for regulatory infractions
- Performed snap checks and note areas of operational weakness and take corrective actions
- Handled all customer complaints efficiently within the bank's turnaround time
Branch Manager
uniBank Ghana Limited
Cape Coast , Ghana
03.2015 - 12.2016
- Designed sales and service strategies to improve revenue and retention.
- Disciplined employees to encourage compliance with company policies and procedures.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
- Analyzed competitors and market trends to facilitate business growth.
- Grew business banking relationships through proactive outreach.
- Established and built customer relationships through targeted outreach and initiatives
- Prepared job objectives for branch staff and review performance regularly
- Evaluated employee performance and providing feedback and coaching as needed
- Ensured full responsibility of the branch operations to achieve operational efficiency
- Monitored and promoted strong compliance environment regarding KYC with zero tolerance for regulatory infractions
- Performed snap checks and note areas of operational weakness and take corrective actions
- Performed administrative duties by preparing daily, weekly and month-end branch reports covering operations, sales budget and assets needs
- Recognized employee achievements and encouraged excellence in the work environment
Customer Service Manager
uniBank Ghana Limited
Takoradi, Ghana
05.2012 - 03.2015
- Established positive rapport with customers, managers and customer service team members to maintain positive and successful work environment.
- Responded to phone and online customer service requests within designated turnaround time to improve customer satisfaction ratings.
- Organized client contracts, records and reports to strengthen traceability.
- Delivered fast, friendly and knowledgeable service for routine questions and service complaints.
- Maintained knowledge of company products and services to promptly resolve complaints and concerns.
- Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
- Rolled out operational improvements and solutions to deliver top-notch customer service.
- Assisted staff with resolving complex customer issues and implementing targeted solutions.
- Conducted monthly customer service audits
- Developed a segmented customer database to facilitate the delivery of personalized services
Sales Manager
uniBank Ghana Limited
Takoradi , Ghana
08.2009 - 05.2012
- Maintained professional network of potential clients and business opportunities.
- Achieved company growth and brand development through market expansion and sales.
- Created and maintained sales environment to support business objectives.
- Prepared sales reports for senior management.
- Delivered sales presentations focused on offerings and unique advantages over competitors.
- Developed successful strategies and goals to penetrate new territories by assessing competitor offerings and approaches.
- Executed and created strategic sales plans to expand customer base and extend global reach.
- Researched and capitalized on emerging opportunities to build business and expand customer base.
- Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
- Established new accounts and serviced existing accounts maintaining professional relationships.
- Crossed-sell bank's products and services to both new and existing customers and assisted unit Head to organize product campaigns/promotions
- Maintained a one stop service for customers on relationship basis, complying with service quality standards of the bank
- Ensured KYC requirements and other relevant documentations were met before account is opened on the core banking application systems
Marketing Officer
International Commercial Bank
Takoradi, Ghana
03.2008 - 08.2009
- Leveraged industry trends and competitive analysis to improve marketing campaign performance.
- Directed development and implementation of business and product marketing campaigns.
- Collaborated with team to forecast based on sales and product profitability.
- Defined core product messaging, positioning and differentiation strategies to align with overall company strategic plan.
- Devised and managed creative plans for company branding and product launches.
- Strategically devised customer approaches, meeting sales objectives and capitalizing on emerging opportunities.
- Developed new initiatives and partnerships with business and community leaders to reach business objectives.
- Ensured growth of branch portfolio as per assigned targets and ensured achieved
- Ensured a healthy mix of portfolio including cheap funds and fixed deposit, cedi and forex, minimal NPL percentage and PDs, loans to deposit ratio
Credit Officer
Lower Pra Rural Bank
Takoradi , Ghana
02.2002 - 03.2008
- Reviewed credit appraisals and recommended approval or disapproval of loan from credit officers
- Ensured that Non-Performing Loans were reduced below 9%
- Embarked on vigorous recovery strategies at the branch to reduce NPLs
- Preparations of weekly and monthly reports and returns not later than 5th of every month to BOG
- Managed the consumer finance unit of the branch
- Embarked on vigorous recovery strategies at the branch to reduce NPLs
- Ensured no adverse audit findings are found by Internal, External and BOG inspection Team
- Managed branch staff to ensure maximization of profitability targets
Education
Doctor of Business Administration (DBA) - Business Administration
Zurich- Switzerland 11.2018 - 11.2022
Commonwealth Executive Master of Business Administration (CEMBA) - Business Administration
Kwame Nkrumah University of Science And Technology
Kumasi, Ghana 11.2011 - 11.2013
Master of Education-Teaching in Higher Education -
University of Cape Coast
Cape Coast- Ghana 05.2024 -
Master of Applied Business Research (MABR) - Business Research
SBS Swiss Business School
Zurich-Switzerland 11.2018 - 11.2022
International Retail Banker Certificate - Banking
Lafferty Retail Banking Institute
Westport Co. Mayo-Irelands 09.2023 - 03.2024
Associate Member ACIB - Banking
Chartered Institute of Bankers
09.2023 -
Bachelor of Management Studies (BMS) - Business Management
University of Cape Coast
Takoradi, Ghana 09.2005 - 09.2008
Certificate in Contemporary Management - Business Management
Nobel International Business School (NiBS)
Zurich-Switzerland 11.2018 - 11.2022
Higher National Diploma (HND) - Purchasing and Supply
Takoradi Technical University
Takoradi, Ghana 09.1997 - 09.2000
Skills
- Team Leadership
- Work Planning and Prioritization
- Performance Evaluations
- Verbal and Written Communication
- Employee Development
- Employee Coaching and Motivation
- Teamwork and Collaboration
- Business Development
- Good Judgment
- Negotiation and Conflict Resolution
- Decision Making
- Sales strategies
- Customer service
REFERENCE
Mr. Joseph Okyere Opoku
General Manager, Consumer Banking
Consolidated Bank Ghana Ltd
email: joseph.oopoku@cbg.com.gh
+233 246621417
Dr. Emmanuel Arthur-Nyarko
Senior Lecturer
University of Cape Coast
email: earthur-nyarko@ucc.edu.gh
+233 550612796
Ing. Abraham Ebow Kakraba
Head Of Design
University of Cape Coast
email: abrahamebowkakraba@gmail.com
+233 243073064
Timeline
Master of Education-Teaching in Higher Education -
University of Cape Coast
05.2024 -
International Retail Banker Certificate - Banking
Lafferty Retail Banking Institute
09.2023 - 03.2024
Associate Member ACIB - Banking
Chartered Institute of Bankers
09.2023 -
Regional Manager
Consolidated Bank of Ghana
02.2023 - Current
Doctor of Business Administration (DBA) - Business Administration
11.2018 - 11.2022
Master of Applied Business Research (MABR) - Business Research
SBS Swiss Business School
11.2018 - 11.2022
Certificate in Contemporary Management - Business Management
Nobel International Business School (NiBS)
11.2018 - 11.2022
Cluster Manager
Consolidated Bank Ghana Limited
08.2018 - 02.2023
Branch Manager
uniBank Ghana Limited
12.2016 - 08.2018
Branch Manager
uniBank Ghana Limited
03.2015 - 12.2016
Customer Service Manager
uniBank Ghana Limited
05.2012 - 03.2015
Commonwealth Executive Master of Business Administration (CEMBA) - Business Administration
Kwame Nkrumah University of Science And Technology
11.2011 - 11.2013
Sales Manager
uniBank Ghana Limited
08.2009 - 05.2012
Marketing Officer
International Commercial Bank
03.2008 - 08.2009
Bachelor of Management Studies (BMS) - Business Management
University of Cape Coast
09.2005 - 09.2008
Credit Officer
Lower Pra Rural Bank
02.2002 - 03.2008
Higher National Diploma (HND) - Purchasing and Supply
Takoradi Technical University
09.1997 - 09.2000
Similar Profiles
Rebecca De-Cardi QuansahRebecca De-Cardi Quansah
Teller at Consolidated Bank Of GhanaTeller at Consolidated Bank Of Ghana
MICHAEL TIEKUMICHAEL TIEKU
Branch Manager at Consolidated Bank Of GhanaBranch Manager at Consolidated Bank Of Ghana
KELVIN ATO OSEI ANANEKELVIN ATO OSEI ANANE
E-banking Support Team Member at First Atlantic Bank GhanaE-banking Support Team Member at First Atlantic Bank Ghana
Mavis FandohMavis Fandoh
Teaching Professional at Ghana Education ServiceTeaching Professional at Ghana Education Service
MOHAMMED SALIFUMOHAMMED SALIFU
Construction Project Manager at Self-employedConstruction Project Manager at Self-employed