Joseph Hammond
Summary
- To become a Chartered Accountant, Financial and Risk Analyst with high degree of integrity and professionalism working in a challenging environment that provides opportunities for learning, growth and problem solving.
- Experienced internal auditor in the banking industry of Ghana.
- Highly experienced in debt recovery and account restructuring.
- More than six years' experience in general banking and accounts receivable.
- A highly analytical professional with an eye for result orientation, excellence and detail.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Officer, Internal Audit
Republic Bank Ghana Plc
08.2022
- Reviews relevant laws, policies and procedures, performs planned audit engagements, conducts special audits, quantifies risks, maintains accurate records, identifies control failures, and prepares audit reports.
Recoveries Officer, Mortgage
Republic Bank Ghana Plc
02.2017 - 07.2022
- Issues demand notices, prepares monthly reports on defaulters, carries out repossession activities, prepares restructuring proposals, and reports malfunctioning loans.
Collections Officer, Mortgage
Republic Bank Ghana Plc
04.2016 - 01.2017
- Analyzes causes for default, coordinates with branches, issues demand notices, and refers accounts to the Recoveries Department.
Direct Sales Representative
HFC Bank Ghana Ltd
04.2015 - 03.2016
- Markets bank products, expands customer base, opens accounts, manages customer relationships, and prepares sales reports.
Education
MBA finance -
University of Ghana
10.2022
Qualified -
Institute of Chartered Accountants, Ghana
11.2021
B. Ed Management -
University of Cape Coast
05.2013
SSCE -
Accra High School
08.2004
Skills
- Risk based audit
- Compliance audit
- Microsoft word/excel proficiency
- Good communication skills
- Good literacy and numeracy skills
- Financial analysis
- Credit and collections
- Team player
- Debt recovery
- Analytical skills
Certification
- Institute of Chartered Accountants, Ghana, Membership Certificate, 03/01/22
- Corporate Finance Institute, FMVA, 07/01/22
References
- Mr. Frank Lawoe, Chief Risk Officer, Republic Bank Ghana Plc, 0267860114
- Festus Tornam Habada, Head, Credit Administration Dept., Republic Bank Ghana Plc, 0244599470
Training
- Annual Internal Audit Training, 01/01/23
- Loan Workout and Debt Restructuring, 10/01/21
- Proper Credit Proposal Presentation & Analysis Training, 10/01/20
- Problem Loan, Debt Restructuring and Recovery, 04/01/18
Achievementsandawards
- Collections officer with the highest collections rate (at the Maiden Staff Durbar on 02/25/17)
- Recoveries officer with the highest percentage over target (Blue Stars Award, 02/01/20)
Timeline
Officer, Internal Audit
Republic Bank Ghana Plc
08.2022
Recoveries Officer, Mortgage
Republic Bank Ghana Plc
02.2017 - 07.2022
Collections Officer, Mortgage
Republic Bank Ghana Plc
04.2016 - 01.2017
Direct Sales Representative
HFC Bank Ghana Ltd
04.2015 - 03.2016
MBA finance -
University of Ghana
Qualified -
Institute of Chartered Accountants, Ghana
B. Ed Management -
University of Cape Coast
SSCE -
Accra High School
- Institute of Chartered Accountants, Ghana, Membership Certificate, 03/01/22
- Corporate Finance Institute, FMVA, 07/01/22
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