ISAAC SMART-ABBEY

• Initiate sales prospects in collaboration with the Deputy Head of IBD to support all branches in the territory with their Retail Loans and Salary Account targets.
• In collaboration with Branch Managers and Territorial Unit Heads, identify new institutions and prospects for enlistment.
• Arrange bank days on a regular basis in institutions.
• Liaise with Retail MIS, Retail Credit Monitoring, and Pre-recoveries to ensure customer default is minimized through LOD1 monitoring.
• Proactively pursue optimal equipment rates for customers in the institutions while ensuring an excellent customer experience for all clients to increase the SGGH customer base.
• Ensure meetings and appointments with institutions are well planned and handled together with the head of department. Ensure all correspondence with these institutions is duly filed, and an electronic copy is shared with the branch manager, territorial unit head, and head of department.

1. Providing powerful leadership.

• Oversaw inventory management to maintain stock levels and reduce waste.
• Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
• Managed and inspired team members to perform to full potential, driving branch profitability.
• Conducted regular performance reviews for all employees in the branch.
• Resolved escalated customer complaints in a timely manner.
• Encourage compliance with SG Ghana's policies and procedures.

2. Driving Business Direction.

• Facilitated weekly meetings with staff members to discuss progress on current initiatives.
• Developed strategies to increase customer satisfaction and loyalty.
• Established and built customer relationships through targeted outreach and initiatives.
• Created reports summarizing operational performance metrics for senior management review.
• Performed regular audits of financial records in order to ensure accuracy.

3. Control Environment.

• Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
• Coordinated promotional campaigns for new products or services in order to boost sales revenue.
• Reviewed loan applications to ensure accuracy and compliance with regulations.
• Review inspection reports, and ensure that non-compliance issues are rectified.
• Increased efficiency and drove branch revenue by optimizing daily operations.

1. Sales and transaction management.

• Managed daily branch operations including customer service, sales, teller transactions, and loan processing.
• Supervised daily branch operations and ensured adherence to company policies.
• Actively develop and manage the PRO/VSB portfolio in the branch.
• Implement a customer-oriented organization to increase the SGGH customer base in the PRO/VSB market segment.
• Continuously gather critical customer information to help make branch business profitable.
• Vet credit application and attachment for customers, and recommend these for approval.
• Collaborate with the Branch Manager to implement strategies to increase the loyalty of existing customers and reduce dormant customers.
• Own and manage reports on the branch's VSB debtors' books, as per the bank's credit policy standards.
• Ensure strict compliance with anti-money laundering policies.

Branch Management.

• Assist the Branch Manager in reviewing Inspection Reports and ensuring that non-compliance issues are rectified.
• Ensure permanent supervision guidelines and monthly reporting are strictly adhered to.
• Holder of No. Two sets of the vault, strong room keys, and a set of ATM keys.
• Developed branch marketing strategies to increase community engagement and visibility.
• Collaborated with senior management on strategic initiatives for branch growth.
• Conducted regular performance reviews with staff members to provide feedback and identify areas for improvement.
• Monitored compliance with banking regulations and internal policies and procedures.

Promoted bank's consumer lending services through participation in community events.

• Supervised team of 4 to achieve annual sales targets.
• Conducted market research to identify lending trends and opportunities.
• Managed client relationships, ensuring consistent communication throughout loan processes.
• Prepared reports detailing loan portfolio performance metrics for strategic analysis.
• Trained junior staff on lending procedures and customer service techniques.
• Educated customers on diverse loan products to facilitate informed decision-making.
• Developed relationships with potential customers to enhance loan business opportunities.

• Develop and manage the PRO/VSB portfolio in the branch.
• Implement a customer oriented organization to increase customer base.
• Gather critical customer details to increase branch business profitability.
• Collaborate with Branch Manager to implement strategies to increase customer loyalty.
• Assist Branch Manager to work with and motivate team to achieve sales and service objectives, effectively manage branch operations, address customer complaints and ensure non-compliance issues are rectified.
• Supervise branch operations to ensure the provision of excellent services to customers.

• Created detailed reports on daily, weekly, and monthly sales activity.
• Answered inquiries from prospective customers regarding features of products and services offered.
• Developed customized sales techniques to successfully sell and upsell services to new and existing clients.
• Generated new sales leads through cold calling and networking activities.
• Performed regular follow-ups with prospects to close deals in a timely manner.
• Collaborated with team members to develop effective sales strategies and campaigns.
• Achieve monthly, quarterly, and annual sales targets within the NSS period.
• Cultivated relationships with clients to enhance customer satisfaction and loyalty.
• Identified opportunities for cross-selling additional products and services.
• Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.