Elias Mccarius Aluma Azasiya

Led credit management initiatives, mitigating risk through policy formulation and implementation.

• Monitored all credit facilities using management information systems to detect early warning signs.
• Reviewed and appraised credit requests, identifying risks and proposing effective mitigants.
• Ensured thorough referencing of loan applications to verify creditworthiness and indebtedness.
• Conducted comprehensive analysis to assess applicant suitability and repayment capacity.
• Maintained high loan book quality, keeping non-performing loan ratios below prudential limits.
• Organized and chaired Credit Committees at management and board levels, contributing to strategic decisions.
• Spearheaded strategies for business growth, enhancing deposit mobilization and overall portfolio performance.

Analyzed customer financial information to ensure accuracy and compliance.

• Prepared and reviewed financial statements, advising clients on performance improvements.
• Facilitated access to credit facilities by assisting clients with bank interactions.
• Provided technical management advice, optimizing clients’ accounting systems for reduced operational risks.
• Educated clients on bookkeeping and accounting practices to enhance financial literacy.

• Reviewed and updated credit policy to align with best practices.
• Centralized credit delivery process, enhancing monitoring and recovery efforts.
• Withdrew high-risk credit products and standardized documentation for credit processes.
• Automated processing for personal loans and consumer finance, increasing efficiency.
• Established Collections and Monitoring Unit to improve recovery strategies.
• Served on Budget and Disciplinary Committees to guide financial governance.

• Reviewed credit policy and developed operational manuals for credit products.
• Led monitoring unit for cocoa purchasing company portfolios.
• Ensured strong credit monitoring and reporting

• Oversaw corporate banking operations and credit risk management.
• Member of Credit Policy Review Committee

• redit Risk Analyst & Compliance Officer (Feb 2007 – Apr 2009): Managed risk analysis and compliance in credit operations.
• Relationship Officer, Corporate Banking (Feb 2005 – Feb 2007): Managed corporate client relationships and credit portfolios.
• Operations Officer, Kwame Nkrumah Circle Branch (Jan 2003 – Jan 2005): Oversaw branch operations and customer service.
• Management Trainee, Tumu Branch (Dec 2001 – Dec 2002): Rotational training in banking operations

• Prepared bank reconciliation statements to ensure accuracy between bank records and company accounts.
• Compiled and submitted monthly performance reports to management for decision-making.
• Consolidated departmental budgets into a master budget for review by the Financial Controller.
• Extracted trial balances and prepared final accounts for financial reporting.
• Supervised the work of other officers, including the Storekeeper and Cashiers, to ensure effective operations

• Delivered engaging instruction in Accounting and Business Management to SHS 1 and 2 students.
• Instructed SHS 2 students in Accounting and Economics, enhancing subject understanding.
• Developed comprehensive lesson plans to facilitate effective learning experiences.
• Evaluated student performance, providing constructive feedback for academic growth.

• Delivered engaging lessons across core subjects for Primary Four class.
• Developed comprehensive lesson plans and instructional materials to enhance learning.
• Assessed student academic progress and provided constructive feedback to support growth.