Ghulam Ahmad Abosi
Techiman,BE
Summary
Experienced in business acumen, marketing, and effective communication. Dedicated to promoting and selling Bank products, attracting new customers, and retaining existing ones. Committed to developing risk assets for the Business Office to drive overall growth and success of the organization. Possessing a strong background in these areas, I have the skills and expertise necessary to contribute to the continued advancement of the company.
Overview
12
12
years of professional experience
Work History
Area Manager
ASA Savings and Loans Limited
04.2024 - Current
- Ensuring that branch operations align with the organization's policies and procedures, as well as providing guidance and support to branch managers
- Setting performance targets, conducting performance reviews and implementing strategies to meet or exceed these targets
- Oversee the financial activities of branches, ensuring that financial policies are adhered to and that branches operate within budgetary constraints
- Ensuring compliance with regulatory requirements and organizational policies
- Implementing organizational strategies within all branches in the Techiman-Bono East region and ensuring that these strategies are effectively executed to achieve desired outcomes
- Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.
- Managed daily operations for optimal performance, ensuring timely completion of tasks and projects.
- Conducted training sessions to educate employees on best practices and procedures to increase profitability.
Branch Manager
ASA Savings and Loans Limited
05.2015 - 03.2024
- Evaluated credit applications, assessing risk and ensuring compliance with bank policies
- Maintained a low default rate by implementing effective credit monitoring strategies
- Worked closely with clients to structure loans that meet their financial needs while minimizing risk for the company
- Collaborated with the marketing department to promote loan products and services
- Developed and delivered training sessions on credit risk assessment for new hires
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
Loan Officer
ASA Savings and Loans Limited
12.2012 - 04.2015
- Disburse loans to organized group members
- Responsible for the activities of about 15 to 18 groups, where each group consist of 20 to 30 members
- Achieved full membership targets by creating additional small business groups to address deficiencies in existing member groups, resulting in increased participation and loan disbursement
- Prepare half yearly plan in advance for disbursing credit to the organized groups and submitting same to the Branch Manager
- Deposit monies collected from the organized groups such as cash collateral, credit installment and loan risk fund to the Branch manager
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
Education
Bachelor of Technology - Marketing
Kumasi Technical University
12.2023
Diploma - Human Resource Development and Marketing
Kumasi Technical University (Erstwhile Kumasi Polytechnic)
06.2011
Skills
- Financial Analysis
- Comprehensive Risk Assessment
- Customer Support Expertise
- Strong Technical Competencies
- Effective Communication
- Strategic Marketing Development
- Team Leadership
- Strategic Operations Coordination
- Client Relationship Management
- Team Performance Enhancement
Timeline
Area Manager
ASA Savings and Loans Limited
04.2024 - Current
Branch Manager
ASA Savings and Loans Limited
05.2015 - 03.2024
Loan Officer
ASA Savings and Loans Limited
12.2012 - 04.2015
Diploma - Human Resource Development and Marketing
Kumasi Technical University (Erstwhile Kumasi Polytechnic)
Bachelor of Technology - Marketing
Kumasi Technical University
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