Summary
Overview
Work History
Education
Skills
References
G. INTERESTS
E. PROFESSIONAL TRAINING
Timeline
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GENEVIEVE CUDJOE

Accra-North

Summary

I am a strategic and results-driven Credit Risk Control and Compliance professional with 19 years of progressive experience in the banking industry. I hold a Master’s degree in Marketing from the University of East Anglia, United Kingdom. At Fidelity Bank, I have successfully led key functions including Credit Administration, Documentation, Disbursement, and Sustainable Operations—ensuring full compliance with internal policies, external regulations, and international standards. My core strengths lie in credit risk evaluation across commercial and retail portfolios, where I consistently identify risk exposures and recommend robust mitigation strategies. I bring strong governance capabilities, a proven track record of building and leading high-performing teams from the ground up, and a commitment to delivering impactful, innovative solutions. With excellent presentation and stakeholder engagement skills, I thrive in dynamic environments and drive continuous improvement in credit risk frameworks and compliance culture. In addition, I lead resource efficiency initiatives that advance operational sustainability and align with the bank’s broader environmental objectives. These strategic efforts were pivotal in Fidelity Bank being awarded ESG Bank of the Year 2024, recognizing our commitment to sustainable finance and responsible banking. By integrating sustainability into risk governance, I help drive long-term value and resilience across the organization.

Overview

19
19
years of professional experience

Work History

Sustainable Operations and Risk Management Advisor

Fidelity Bank Ghana
01.2023 - Current
  • Conduct E&S due diligence and post-monitoring using IFC Performance Standards for high-risk clients across key sectors for compliance.
  • Monitor E&S risk ratings of Category A and B clients nationwide for compliance to international frameworks such as IFC PS.
  • Draft due diligence and monitoring reports, develop and set Environmental Action Plans (ESAP), and set compliance timelines.
  • Deliver in-person, webinars and online training on ESG, SDGs, climate change, and sustainability commitments to staff.
  • Support development of the bank’s 3-year climate strategy request by BOG
  • Review and screen client applications for compliance, set and monitor pre- and post-disbursement action plans.
  • Roll out resource efficiency programs in waste, water, and energy management
  • Maintain and update the E&S risk register
  • Integrate SDG/ESG principles into bank policies and client operations
  • Developed the bank’s Sustainable Operations Strategy
  • Established departmental processes and operating manuals
  • Reported on ESG initiatives using standard frameworks
  • Key achievements:
  • Led and launched the Excel-based E&S Risk Categorization Template for the Bank
  • Implemented “Waste to Cash” initiative by partnering with recyclers, reducing operational costs
  • Led and implemented “Say No To Single Use Plastic” initiative to meet the banks target on reducing it environmental footprints.
  • Led the integration of ESG/SDG into all departmental policies in fidelity Bank.

Retail Credit Evaluation Manager

Fidelity Bank Ghana
01.2020 - 01.2023
  • Appraised credit applications from Retail, Commercial & SME Banking Unit
  • Analyzed credit data, financial statements and cash flow projections
  • Recommended and monitored risk mitigants
  • Maintained a strong credit risk portfolio through periodic reviews
  • Ensured compliance with regulatory and policy frameworks
  • Made loan recommendations to Credit Committee

Documentation and Disbursement Manager

Fidelity Bank
01.2014 - 01.2020
  • Oversaw preparation of offer letters for SME and Commercial segments
  • Managed documentation review and credit compliance processes
  • Coordinated with legal teams to update forms/templates
  • Supervised filing systems and document regularization
  • Produced reports on deferrals and rejected applications
  • Trained business units on documentation requirements
  • Ensured enforceability of security documentation
  • Liaised with auditors and internal stakeholders
  • Key achievements:
  • Recommended, led and designed the documentation and filing system for Fidelity bank Credit Department.

Credit Administration Manager

Fidelity Bank Ghana
01.2013 - 01.2014
  • Authorized facility disbursement, amendments, waivers, and repayments
  • Authorized and Maintained syndication records and reporting accuracy
  • Ensured repayment schedules and disbursement notices are sent to Business.
  • Ensured lien placement and accurate loan fee application
  • Engaged stakeholders such as Businesses and IT on disbursement issues and report.
  • Conducted compliance checks and reviews on credit transactions before disbursement

Loan Factory Manager

Fidelity Bank Ghana
01.2012 - 01.2013
  • Managed scheme and personal loan portfolios
  • Conducted credit assessments and escalated high-level cases
  • Made loan recommendations to Credit Committee
  • Conducted compliance checks and risk reviews before disbursements.

Scheme Loan Operations Supervisor

Barclays Bank of Ghana
01.2010 - 01.2012
  • Authorized loan applications from 98 branches
  • Ensured KYC compliance and prompt processing
  • Tracked loan declines and feedback loops
  • Supported onboarding of companies into Scheme Loan
  • Liaised with performance analysts and product managers
  • Supervised operations and achieved GHC 12 million in disbursements

Customer Team Leader

Barclays Bank of Ghana
01.2007 - 01.2010
  • Led a 28-member sales team to exceed performance targets
  • Supported team development and operational compliance
  • Handled customer complaints and provided sales insights
  • Negotiated with clients on loans and deposits

Education

MSc - Marketing

University of East Anglia
01.2005

BA Arts (Upper Second Class Honours) - undefined

Kwame Nkrumah University of Science and Technology
01.1999

Skills

  • Strong analytical and problem-solving skills
  • Strong communication and presentation skills
  • Adherence to principles, procedures, and regulations
  • Effective people management skill demonstrated by managing a team of 28 at Barclays Bank Ghana (2007–2010)
  • Self-motivated and capable of working independently

References

Available on request

G. INTERESTS

Gardening, motivational speaking, financial literacy education, reading inspirational books

E. PROFESSIONAL TRAINING

  • (Full list available upon request. Highlights include):
  • Risk Management for Credit Analysts – Banking College
  • AML and Regulatory Compliance – Internal Training
  • Sustainable Banking, Leadership, and Agile Mindset Development
  • Business Continuity and Crisis Management
  • ESG & Climate Change in Financial Services

Timeline

Sustainable Operations and Risk Management Advisor

Fidelity Bank Ghana
01.2023 - Current

Retail Credit Evaluation Manager

Fidelity Bank Ghana
01.2020 - 01.2023

Documentation and Disbursement Manager

Fidelity Bank
01.2014 - 01.2020

Credit Administration Manager

Fidelity Bank Ghana
01.2013 - 01.2014

Loan Factory Manager

Fidelity Bank Ghana
01.2012 - 01.2013

Scheme Loan Operations Supervisor

Barclays Bank of Ghana
01.2010 - 01.2012

Customer Team Leader

Barclays Bank of Ghana
01.2007 - 01.2010

BA Arts (Upper Second Class Honours) - undefined

Kwame Nkrumah University of Science and Technology

MSc - Marketing

University of East Anglia
GENEVIEVE CUDJOE