MARGARET OPPONG
DOME - ACCRA, GHANA
Summary
Enthusiastic Credit Administrator eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Clear understanding of Responsibilities and training. Motivated to learn, grow and excel in field of work.
Overview
13
13
years of professional experience
Work History
Credit Administrative Officer
Golden Pride Savings and Loans Ltd
Accra
06.2017 - Current
- Ensure timely preparation and submission of monthly, quarterly and annual credit report and other reports as required to stakeholders
- Monitoring of facilities granted and recapping branches of customer’s repayment in line with company’s policy
- Safely keep and file all legal documents under dual control system and monitor expiry date of collateral/guarantees.
- Improved operations through consistent hard work and dedication.
- Carried out day-to-day duties accurately and efficiently.
- Developed team communications and information for meetings.
- Worked with customers to understand needs and provide excellent service.
- Collaborated with team members to achieve target results.
- Drove operational improvements which resulted in savings and improved profit margins.
- Identified issues, analyse information and provided solutions to problems.
- Handled about 50 calls per day to address customer inquiries and concerns
Risk Officer
Golden Pride Savings and Loans Ltd
Accra
06.2016 - 05.2017
- Manage day to day communication of Management and Board decisions on credit facilities to branches
- Assist in organizing various training workshop
- Prepare monthly report by collecting data from internal stakeholder and analizing them for necessary stakeholders
- Liaise with banking operations and credit department to identify potential areas of risk and help streamline their operations to help prevent fraud
- Applied subject matter expertise and industry knowledge to provide independent oversight to operational risk management activities.
- Oversaw organization-wide banking function, challenging existing operational risk routines to improve identification, access control and incident reporting standards.
- Took initiative in gathering information and solving problems independently within highly structured corporate environment.
- Influenced appropriate risk management prioritization on front lines to promote strategic objectives while meeting operational risk program expectations.
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Identified proper exception codes, regulatory leverage designations and risk ratings to manage portfolio risk.
- Influenced appropriate risk management prioritization on front lines to promote strategic objectives while meeting operational risk program expectations
- Established and oversaw application of operational risk policies, technology and tools and governance processes to create lasting solutions for minimizing losses
Head Teller
Golden Pride Savings and Loans Ltd
Obuasi
08.2013 - 06.2016
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Receiving complaints from customers, register them and deliver it to concern person
- Handling all inquiry received from clients (Statements, Account balance, Fixed Deposit maturity )
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Verified amount of cash in cash drawer against day's receipts, quickly identifying errors.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Investigated and promptly resolved issues with patron accounts.
- Provided customers with appropriate literature on banking products and services.
- Educated customers on use of banking website and mobile apps.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Processed customer transactions promptly, minimizing wait times.
Operations Officer
Golden Pride Savings and Loans Ltd, Obuasi Central Branch
Obuasi
11.2015 - 05.2016
- Updated and published standard operating procedures (SOPs) using stakeholder, customer and employee input and feedback resulting in clearer and more useful instruction for users.
- Provided excellent customer care to maintain and improve customer relations, strengthen loyalty and increase product and service sales.
- Contribute to achievement of overall strategic vision of branch that is to achieve our target and customer satisfaction
- Provide direction and leadership by monitoring ongoing transactions and approving all transactions
- Liaise with finance and human resource department daily on all matters concerning cash and welfare of staff
- Liaise with head office credit department on monitoring of branch credit facilities and evaluating performance of branch
- Initiating and upholding relationships among branch staff, customers and stakeholders
- Authorizing vouchers and reviewing accounts of express items for branch
- Initiating, planning and organizing customer visitation, meetings and workshops towards Achievement of branch targets and institutional goals
- Monitored performance and completed appraisals for direct reports.
- Reviewed new accounts for required documentation.
- Performed spending analysis and partnerships to refine policies and develop recommendations for improvement.
Project Supervisor
Obuasi Central Branch
Obuasi
10.2011 - 08.2012
- Identifying needs of Micro and Small Enterprises (MSE’s)
- Support other Project Team members, National service personnel, Interns, Peer Educators and Volunteers in implementing their task assigned on monitoring and documentation of learning
- Providing training to MSE’s stakeholders in the community
- Linking MSE’s stakeholders to business support services
- Providing advisory and expansion services for MSE’s stakeholders
- Providing information of MSE’s development to stakeholders
- Monitoring and Evaluation of projects and programmes organized.
- Made information about projects, corporate strategies and upcoming projects available to stakeholders in quarterly newsletter.
- Maintained tactical control of project budgets and timelines to keep teams on task and achieve schedule targets.
- Delivered completed projects on time by prioritizing multiple tasks.
Education
Master of Science - Development Policy and Planning
Kwame Nkrumah University of Science And Technology
Kumasi, Ghana06.2019
Bachelor of Arts - Public Administration, Social Political Thought, Human Right
University of Ghana
Accra, Ghana05.2011
West Africa Secondary School Certificate - Science with Sociology, Accounting
Yaa Asantewaa Girls Secondary School
Kumasi, Ghana06.2006
Skills
- PERSONAL SKILLS
- AND COMPETENCES
- MOTHER TONGUE TWI
- OTHER LANGUAGES English
- Reading skills level: Good
- Writing skills level: Good
- Verbal skills level: Good
- SOCIAL SKILLS
- Unique attention to details
- Reporting and Presentation Skills
- Ethical behavior
- Time Management
- Adapting to multicultural environment
- Administrative Skills
- ORGANIZATIONAL SKILLS TECHNICAL SKILLS
- Project and task management
Timeline
Credit Administrative Officer
Golden Pride Savings and Loans Ltd
06.2017 - Current
Risk Officer
Golden Pride Savings and Loans Ltd
06.2016 - 05.2017
Operations Officer
Golden Pride Savings and Loans Ltd, Obuasi Central Branch
11.2015 - 05.2016
Head Teller
Golden Pride Savings and Loans Ltd
08.2013 - 06.2016
Project Supervisor
Obuasi Central Branch
10.2011 - 08.2012
Master of Science - Development Policy and Planning
Kwame Nkrumah University of Science And Technology
Bachelor of Arts - Public Administration, Social Political Thought, Human Right
University of Ghana
West Africa Secondary School Certificate - Science with Sociology, Accounting
Yaa Asantewaa Girls Secondary School
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