EMMANUEL AKOTUAH
Accra
Summary
To enhance my skills through corporate and professional training in effective and efficient Credit Risk Management that will impact on productivity and increase shareholders wealth.
Overview
13
13
years of professional experience
Work History
Corporate Credit Evaluation Manager
Fidelity Bank Ghana Ltd
05.2021 - Current
- Evaluate credit application request from Corporate and Institutional Banking (CIB) division
- Recommend mitigants to the inherent risks and recommend lending proposals for consideration by Management Credit Committee (MCC)
- Assess the Environmental and Social Risk impact of the client’s business on the environment and surrounding
Wholesale Credit Supervisor
Fidelity Bank Ghana Ltd
09.2016 - 04.2021
- Assist Head of Wholesale Credit in organizing Management Credit Committee (MCC) meetings, preparing MCC minutes, attending Portfolio Quality Review (PQR) meetings
- Supervise the Wholesale Credit Appraisal team on all credit appraisals
- Conduct quarterly credit portfolio reviews to ensure borrowing accounts are operating as approved
- Review product papers and Credit Term Sheets for negotiations with potential borrowers by Wholesale Business
Credit Analyst
Fidelity Bank Ghana Ltd
03.2015 - 08.2016
- Appraise credit applications submitted by the Wholesale Banking space (i.e
- Corporate, Institutional, Public Sector and NBFIs desk) and identify the inherent risks
- Recommend mitigants to credit risks and recommend a lending proposal for consideration by Director/Credit Management and Management Credit Committee
- Conduct industry analysis on key sectors (e.g
- Cocoa, construction, oil and gas industry etc.) of the economy to identify risk and provide mitigants and also advise management on appropriate lending structure
- Conduct special credit reviews/investigations for Executive Management upon request
- Conduct quarterly reviews of facilities to ensure accounts are operating as approved
- Conduct financial analysis, cash flow analysis and sensitivity analysis
- Ensure compliance with the Banking Laws and Bank of Ghana’s Credit Policy Guidelines
Retail Credit Appraisal Officer
Fidelity Bank Ghana Ltd
03.2014 - 02.2015
- Appraise all credit applications submitted by Retail Banking space (Mortgage, Commercial/SME and Executive Banking clients) and identify the inherent risks
- Recommend mitigants to credit risks and recommend a lending proposal for consideration by Director/Credit Management and Credit Committee
- Make recommendations for consideration by the Director/Credit Management and Credit Committee
- Assist in maintaining high quality and strong risk assets portfolio through effective credit review/analysis
- Conduct quarterly reviews of facilities to ensure accounts are operating as approved
- Conduct financial analysis, cash flow analysis and sensitivity analysis
- Ensure compliance with the Banking Laws and Bank of Ghana’s Credit Policy Guidelines
Graduate Management Trainee
Fidelity Bank Ghana Ltd
08.2013 - 02.2014
- I am a pioneer of the Fidelity Bank Ghana Graduate Management Training Programme with in-depth hands-on training within the risk spectrum of the Bank
Anti-Money Laundering (AML) Analyst
Fidelity Bank Ghana Ltd
08.2013 - 02.2014
- Reviewing PEP, Individual and corporate accounts to ensure they are KYC Complaint prior to account opening
- (Customer Due Diligence)
- Performing monthly KYC reviews of samples of new accounts to ascertain the level of KYC compliance and advise on KYC trainings needs for branches
- AML analysis (Transaction monitoring and Swift Alert reviews as per the defined six pillars for alert disposition) etc
Retail Credit Analyst
Fidelity Bank Ghana Ltd
03.2013 - 08.2013
- Appraising Retail Banking credit applications, recommending and securing approvals
- Ensure Retail Banking credit applications are processed within approved Product Paper parameters
- Appraise credit applications subjecting them to credit analysis, identifying potential risk and advising of corrective action to be taken to minimize credit losses
- Identify areas of weakness during credit processing, organizing and recommending training for Relationship Managers (RMs) involved in the credit delivery process
- Ensure that all legal documentations are prepared, properly signed and the bank’s interest noted
Retail Banking Officer
Fidelity Bank Ghana Ltd
10.2012 - 02.2013
- Branch Service (Operations) and Sales activities
- (Customer Service, Customer Relationship Management, Tellering and Operations)
Credit Administration Officer
Fidelity Bank Ghana Ltd
05.2012 - 09.2012
- Disbursing various facilities (Flexcube software)
- Generating loans repayment schedules and loans statements for Relationship Managers
- Reviewing credit applications
- (Involving quite small exposures)
- Assisting in credit portfolio reviews
Treasury Officer
Fidelity Bank Ghana Ltd
10.2011 - 04.2012
- Setting daily FX rates and publishing on the bank’s intranet, internet and Reuters
- Preparing daily report (dashboard) of relevant economic events and market happenings for executive management and teammates
- Preparing daily FX returns report to Bank of Ghana
- Preparing the banks T-bill Auction through the CSD system to Bank of Ghana
- Assisting dealers (FX Market and Money Market) in daily trading activities and preparing Deal Tickets
Education
Final Part -
Institute of Chartered Accountants (ICA) – Ghana
12.2024
Moody’s Commercial Banking Mastery Certification -
Moody's Analytics
02.2023
Environmental and Social Risk Analysis -
United Nations Environment Programme Finance Initiative (UNEP FI)
11.2019
MSc. - Financial Risk Management
University of Ghana Business School, Legon
07.2017
Securities Industry Course - Authorised Dealing Officer
Ghana Stock Exchange
08.2011
BSc. - Administration (Banking and Finance)
University of Ghana Business School, Legon
01.2011
Skills
- Analytical skills (quantitative and qualitative)
- Risk identification and Credit decision making skill
- Report writing skills
- Attentive to details
- Ability to meet timelines and adaptable to diverse situations and environments
- Leadership skill
Keycompetence
- Analytical skills (quantitative and qualitative)
- Risk identification and Credit decision making skill
- Report writing skills
- Attentive to details
- Ability to meet timelines and adaptable to diverse situations and environments
- Leadership skill
Personal Information
Hobbies: Attending educative seminars, Making new friends, Listening to music, Playing guitar or keyboard
Timeline
Corporate Credit Evaluation Manager
Fidelity Bank Ghana Ltd
05.2021 - Current
Wholesale Credit Supervisor
Fidelity Bank Ghana Ltd
09.2016 - 04.2021
Credit Analyst
Fidelity Bank Ghana Ltd
03.2015 - 08.2016
Retail Credit Appraisal Officer
Fidelity Bank Ghana Ltd
03.2014 - 02.2015
Graduate Management Trainee
Fidelity Bank Ghana Ltd
08.2013 - 02.2014
Anti-Money Laundering (AML) Analyst
Fidelity Bank Ghana Ltd
08.2013 - 02.2014
Retail Credit Analyst
Fidelity Bank Ghana Ltd
03.2013 - 08.2013
Retail Banking Officer
Fidelity Bank Ghana Ltd
10.2012 - 02.2013
Credit Administration Officer
Fidelity Bank Ghana Ltd
05.2012 - 09.2012
Treasury Officer
Fidelity Bank Ghana Ltd
10.2011 - 04.2012
Moody’s Commercial Banking Mastery Certification -
Moody's Analytics
Environmental and Social Risk Analysis -
United Nations Environment Programme Finance Initiative (UNEP FI)
MSc. - Financial Risk Management
University of Ghana Business School, Legon
Securities Industry Course - Authorised Dealing Officer
Ghana Stock Exchange
BSc. - Administration (Banking and Finance)
University of Ghana Business School, Legon
Final Part -
Institute of Chartered Accountants (ICA) – Ghana
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