Summary
Overview
Work History
Education
Skills
References
Timeline
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Francis Baron Kpogoh

Summary

Accomplished Personal Relationship Manager with over 13+ years of experience, focusing on credit analysis and client acquisition. Grew client portfolio to 6,400 and increased deposits to GHS 25 million in two years at CalBank PLC. Proficient in relationship management and revenue enhancement through strategic initiatives and exceptional service delivery.

Overview

15
15
years of professional experience

Work History

Personal Relationship Manager

CalBank PLC
Ho
09.2022 - Current
  • Develop and execute strategic sales plans to achieve and exceed revenue targets through the promotion of financial products, including loans, deposits, trade finance, and investment solutions.
  • Drive revenue growth by proactively identifying opportunities for cross-selling and upselling bank products, achieving and surpassing sales targets.
  • Work closely with the Branch Management team to develop and execute strategies aimed at achieving and exceeding branch targets, ensuring alignment with broader organizational objectives.
  • Perform rigorous credit analysis by reviewing financial statements, cash flow projections, industry risks, and credit histories to determine creditworthiness and recommend appropriate lending solutions.
  • Build and nurture relationships with a diverse client base, including corporate entities, small businesses, and high-net-worth individuals, ensuring customer satisfaction and long-term engagement.
  • Act as a liaison between the bank and clients, fostering partnerships and participating in outreach programs to enhance the bank’s reputation and attract new clients.
  • Lead negotiations with clients on financial terms, interest rates, and repayment plans, balancing profitability for the bank with affordability for the client.
  • Monitor and mitigate risks associated with client accounts by conducting regular portfolio reviews, ensuring compliance with regulatory requirements, and identifying early warning signs of potential default.
  • Stay informed on market trends, economic changes, and competitor activities to anticipate client needs and align offerings with market demands.
  • Assisted in establishing the new branch and, in 2 years, grew the clientele to 6,400, deposits to GHS 25 million, and consumer loans to a million.
  • Enhanced customer satisfaction by improving communication and resolving inquiries swiftly.
  • Led efforts to attract and retain clients, solidifying long-term business relationships.

Relationship Officer

UNITED BANK FOR AFRICA LTD
08.2018 - 08.2022
  • Company Overview: Ghana
  • Proactively identified opportunities for business development, acquiring new clients and cross selling the bank’s products, including savings, investments, and loan products.
  • Managed a portfolio of corporate and individual clients, focusing on growing the bank’s revenue through effective account management and customer engagement.
  • Conducted financial assessments and risk evaluations for clients to prepare detailed credit proposals and support loan approval processes.
  • Partnered with clients to provide advisory services on optimizing cash flows, managing investments, and mitigating financial risks.
  • Developed and maintained strong client relationships by understanding their financial needs and offering tailored banking solutions to meet their goals.
  • Collaborated with internal teams, including credit, operations, and compliance, to ensure smooth service delivery and adherence to regulatory standards.
  • Provided regular updates to senior management on client feedback, portfolio performance, and new business opportunities to support strategic decision-making.
  • Ghana
  • Developed and maintained strong relationships with clients, boosting customer loyalty and retention.
  • Streamlined internal processes to enhance service delivery and reduce response times for client queries.
  • Contributed to revenue growth through targeted marketing and relationship-building initiatives.
  • Played a key role in helping clients manage their financial risks, which positively impacted their business operations.

Relationship Officer

ABii NATIONAL SAVINGS & LOANS
07.2015 - 07.2018
  • Drove and managed the profitable delivery of a proactive, value-adding sales and service platform in the personal Banking environment to grow and achieve business targets.
  • Generated and developed businesses and ensured overall competitiveness of all branches in the respective markets, and optimal utilization of resources to achieve desired profitability.
  • Effectively managed relationships with potential and existing customers, and corporate and institutional clientele to maximize the company’s return on investments and risk-adjusted profitability and market share of business within defined portfolios.
  • Promote the Bank’s products, develop and maintain close relationships with the bank’s clients to satisfy their needs effectively and facilitate market development and penetration.
  • Comply with the bank operations and security procedures by participating in all dual-control functions, maintaining customer traffic surveys, reviewing the status of customers’ accounts, and following up with regularization of the position of these accounts.
  • Build a healthy clientele ensuring that all customer credit requirements are processed in line with the approved Credit Policy.

Transaction Officer

GUARANTY TRUST BANK GHANA LTD.
02.2012 - 06.2015
  • Initiated action to develop relevant products to drive Business Banking to achieve targeted revenue as well as meet customers’ needs in line with market trends and overall business strategy and direction.
  • Identified new markets/product opportunities and acted as a liaison between the bank and third parties.
  • Record transactions accurately, and keep clients informed about transactions.
  • Developed and nurtured strategic relationships with the customers to ensure that the strategic and business objectives of the bank for the designated desk are achieved.
  • Ensured that good relationships were maintained with existing customers and helped to formulate strategies to continually develop, penetrate and establish relationships with new customers.

National Service Personnel

KETU SOUTH MUNICIPAL HOSPITAL
Aflao
10.2010 - 01.2012
  • Company Overview: Aflao
  • Used computers for various applications such as database management or word processing.
  • Created, maintained, and entered information into databases.
  • Provided clerical support to other departments and selected materials needed to complete work assignments.
  • Receive, record, and bank cash, cheques, and vouchers.
  • Aflao

Education

Master of Science - Industrial Finance & Investment

KWAME NKRUMAH UNIV. OF SCIENCE & TECHNOLOGY
Kumasi
05.2022

Certificate Level - Financial Forensics And Fraud Investigation

INSTITUTE OF TAX LAW AND FORENSIC ACCOUNTANTS
Accra
03.2022

Bachelor of Science (BSc.) - Accounting

UNIVERSITY OF PROFESSIONAL STUDIES
Accra
06.2015

Higher National Diploma - Accounting

HO TECHNICAL UNIVERSITY
Ho
05.2011

Skills

  • Productive Relationship Management
  • Credit analysis
  • Portfolio management
  • Client acquisition
  • Customer relationship management
  • Regulatory compliance
  • Adaptability and flexibility
  • Team Management and Leadership
  • Negotiation and Contract Management
  • Business Development and Planning
  • Consumer insight and marketing research
  • Retail Banking and Management
  • Customer Service Management
  • MS Office (Word, Excel, PowerPoint)
  • Internet research
  • Graphic and Web Design
  • Valid Driving License – License C
  • Branch Risk / ISO Champion – CalBank Ho

References

Available Upon Request

Timeline

Personal Relationship Manager

CalBank PLC
09.2022 - Current

Relationship Officer

UNITED BANK FOR AFRICA LTD
08.2018 - 08.2022

Relationship Officer

ABii NATIONAL SAVINGS & LOANS
07.2015 - 07.2018

Transaction Officer

GUARANTY TRUST BANK GHANA LTD.
02.2012 - 06.2015

National Service Personnel

KETU SOUTH MUNICIPAL HOSPITAL
10.2010 - 01.2012

Master of Science - Industrial Finance & Investment

KWAME NKRUMAH UNIV. OF SCIENCE & TECHNOLOGY

Certificate Level - Financial Forensics And Fraud Investigation

INSTITUTE OF TAX LAW AND FORENSIC ACCOUNTANTS

Bachelor of Science (BSc.) - Accounting

UNIVERSITY OF PROFESSIONAL STUDIES

Higher National Diploma - Accounting

HO TECHNICAL UNIVERSITY
Francis Baron Kpogoh