Fati Osman Mohammed
Accra
Summary
Client Manager with extensive experience at Standard Chartered Bank Ghana PLC, specializing in client relationship management and strategic business development. Demonstrated success in optimizing trade finance operations and ensuring compliance with credit risk standards. Skilled in stakeholder engagement, resulting in enhanced client satisfaction and improved operational efficiency.
Overview
14
14
years of professional experience
Work History
Client Manager
Standard Chartered Bank Ghana PLC
Accra
12.2023 - Current
- Orchestrated comprehensive client coverage, aligning relationship objectives throughout SCB network.
- Managed client portfolios to maximize revenue utilization and ensure accurate returns.
- Oversaw onboarding processes, sales hierarchies, and Salesforce operations for efficient CRM management.
- Monitored business activities across diverse product areas, facilitating KYC, RFIs, and compliance reviews.
- Led account maintenance initiatives, ensuring seamless transactions and timely trade offerings.
- Delivered exceptional service in Corporate & Investment Banking engagements, including training and advisory support.
- Drove client engagement strategies by analyzing metrics to optimize product utilization and upselling opportunities.
- Collaborated with Product Partners and GAMs to swiftly resolve operational and transactional challenges.
Credit Analyst - Support (CIB)
Standard Chartered Bank Ghana PLC
Accra
12.2020 - Current
- Conducted competitive industry positioning analysis to evaluate client financial strength and risk exposure.
- Managed documentation including DDWs, SIF earmarking, and BCA preparation across multiple sections.
- Monitored risk triggers, covenants, and portfolio conditions while engaging clients to address potential breaches.
- Assisted in periodic credit reviews, month-end closures, and IFRS reporting packs for Ghana operations.
- Utilized Raptor, SBL, and Group Aggregation calculators to ensure compliance with credit approval policies.
- Collaborated with Client Management teams on BCA revisions, CMS SCO reports, and regulatory compliance initiatives.
- Supported audit and compliance teams by preparing necessary reports and documentation.
- Streamlined credit portfolio monitoring, improving approval and renewal timelines significantly.
Short Term Assignment, Financial Institutions
Standard Chartered Bank Ghana PLC
09.2021 - 12.2021
- Enhanced operational efficiency and effectiveness to ensure consistent systems and processes.
- Delivered exceptional client service for FI/Corporate tier clients.
- Drove team targets, facilitating collaboration to achieve rapid client readiness for transactions.
- Ensured alignment between CIB business and stakeholders through regular engagement on priorities and issues.
- Accelerated digital transformation, aligning digital value propositions with client preferences.
Client Coverage Manager (ARM, Commercial Banking)
Standard Chartered Bank Ghana PLC
Accra
12.2017 - 12.2021
- Originated commercial client relationships while enhancing existing ones through account planning and cross-selling initiatives.
- Coordinated documentation for credit renewals and banking facility agreements with compliance and legal units.
- Liaised with product teams to optimize trade offerings, cash management solutions, and loan drawdowns.
- Managed unresolved FX past-due trades and facilitated audit confirmations for portfolio clients.
- Delivered operational efficiency improvements by streamlining onboarding processes and transaction turnaround times.
- Supported pipeline conversion for new programs in collaboration with TB Sales and Anchor RMs.
- Assisted in preparing RFPs and client proposal documentation to secure new business opportunities.
- Oversaw portfolio documentation catalogues, ensuring compliance and accuracy of all client files.
Trade Finance Specialist
Standard Chartered Bank Ghana PLC
Accra
04.2015 - 11.2017
- Managed asset book and trade portfolio to drive business growth.
- Oversaw trade transactions, maintaining compliance with turnaround times for financing and guarantees.
- Conducted AML checks to adhere to anti-money laundering regulations and mitigate risks.
- Investigated suspicious alerts and escalated risk concerns promptly.
- Advised clients on trade loan advancements and documentation requirements.
- Cultivated relationships with import/export clients to enhance service quality.
- Handled accounts involving advance payment financing, letters of credit, and bills for collection.
Operations Assistant
Trade Services Ghana Hub
Accra
10.2012 - 03.2015
- Processed import/export bills, letters of credit, and guarantees for six West African countries.
- Conducted daily transaction reconciliations against processed records to maintain accuracy.
- Coordinated with partner countries to ensure timely reconciliation of trade transactions.
- Managed trade-related payments while collaborating with risk teams for compliance adherence.
- Assisted in monthly account closures and service level agreement reporting.
- Ensured strict adherence to documentation and risk policies for trade products.
Loan Processing Unit (National Service)
Standard Chartered Bank Ghana PLC
Accra
10.2012 - 10.2013
- Facilitated loan applications across six West African countries, ensuring compliance with lending policies and regulations.
- Prepared end-of-day reports on loan transactions, achieving 100% accuracy for management submission.
- Monitored credit risk exposure for active loans, identifying potential defaults and escalating issues to the credit risk team.
- Verified documentation and approvals to support timely loan disbursement activities.
Accounting Assistant (Intern)
Air Liquide Ghana
Accra
01.2012 - 09.2012
- Executed daily reconciliation of receipts with bank statements to enhance productivity.
- Monitored monthly operating results, providing variance alerts to management.
- Assisted in budget forecasting and tracking operating expenses.
- Managed receipt processing and banking for daily transactions.
- Supported CFO and Chief Accountant with comprehensive financial analysis.
- Contributed to month-end reconciliations and reporting processes.
Education
Chartered Accountant -
Institute of Chartered Accountants
Ghana10-2024
Master's Degree - Finance & Accounting
University of Ghana Business School
Ghana01.2023
Corporate Credit Risk Management Certification (CCRMC) -
Standard Chartered Bank PLC
Singapore02-2020
Bachelor's Degree - Accounting
University of Ghana
Ghana01.2012
Skills
- Client relationship management
- Corporate banking solutions
- Credit risk compliance
- Trade finance operations
- Forensic analysis
- KYC and AML compliance
- Stakeholder engagement
- Strategic business development
- Financial analysis and reporting
Accomplishments
- Employee of the Year (3rd Runner Up) - 2019
- Winner, Service Excellence Award (Client Management) - H1, 2023
- Spearheaded client engagement strategies that improved portfolio utilization by 50%.
- Streamlined BCA renewal process, reducing turnaround time by 30%.
- Successfully facilitated trade financing transactions worth over $50 million cumulatively.
Hobbies and Interests
- Reading motivational books
- Researching emerging financial technologies
- Data analytics for decision-making
References
References available upon request.
Certification
- [Area of certification] Training - [Timeframe]
Timeline
Client Manager
Standard Chartered Bank Ghana PLC
12.2023 - Current
Short Term Assignment, Financial Institutions
Standard Chartered Bank Ghana PLC
09.2021 - 12.2021
Credit Analyst - Support (CIB)
Standard Chartered Bank Ghana PLC
12.2020 - Current
Client Coverage Manager (ARM, Commercial Banking)
Standard Chartered Bank Ghana PLC
12.2017 - 12.2021
Trade Finance Specialist
Standard Chartered Bank Ghana PLC
04.2015 - 11.2017
Operations Assistant
Trade Services Ghana Hub
10.2012 - 03.2015
Loan Processing Unit (National Service)
Standard Chartered Bank Ghana PLC
10.2012 - 10.2013
Accounting Assistant (Intern)
Air Liquide Ghana
01.2012 - 09.2012
Chartered Accountant -
Institute of Chartered Accountants
Master's Degree - Finance & Accounting
University of Ghana Business School
Corporate Credit Risk Management Certification (CCRMC) -
Standard Chartered Bank PLC
Bachelor's Degree - Accounting
University of Ghana