FRANCIS COBBINAH

• Implemented strategic initiatives, enhancing branch profitability within one year.
• Spearheaded development and implementation of a performance management system, improving branch performance.
• Led lending, savings, credit administration, and teller services teams to achieve sales targets.
• Cultivated strong client relationships, resulting in increased loan portfolio size.
• Evaluated market trends, introducing technology solutions to enhance operational efficiency.
• Prepared and presented detailed reports on branch operations, emphasizing key performance indicators.

• Developed and implemented effective marketing strategies to increase loan portfolio.
• Evaluated client creditworthiness to reduce potential losses.
• Managed high-value client portfolio for effective relationship building.
• Ensured compliance with credit policies and federal guidelines.
• Supervised and trained loan officers to ensure accurate and complete performance.
• Managed delinquency and facilitated timely collection of loan payments.
• Conducted field verification of information provided by Credit Officers.

Collaborated with credit department to assess loan applications through risk analysis.

• Executed periodic reviews of existing loans, identifying refinancing opportunities.
• Implemented strategies for proactive management of delinquency and loan recovery.
• Assessed customer financial status for determining loan eligibility.
• Developed strategies to minimise default rates on loans.
• Managed loan portfolio, resulting in reduced delinquency rates.

Verified store items by cross-referencing receipts, enhancing inventory management and reducing discrepancies.

• Maintained comprehensive records of general receipts for accountability and accuracy.
• Posted ledger entries with precision, ensuring integrity of financial data for reporting purposes.
• Balanced cashbooks accurately, identifying and resolving discrepancies promptly.
• Cross-checked bank statements against internal records to ensure accuracy of financial information.
• Coordinated financial activities through effective communication with branches, streamlining operations.

• Maintained a comprehensive cash book, accurately recording all income and expenses.
• Prepared payment vouchers for timely and accurate disbursement of funds.
• Prepared semester reports, providing detailed financial summaries and analysis to aid decision-making.
• Prepared statement of budgets for the union, forecasting and allocating funds effectively to meet the organization's objectives.