JOSEPH OKYERE-HAYFORD
CANTONMENTS
Summary
I strive to be an asset and a managerial tool in any organization I am associated with. A proven record of excellence in service delivery and customer relationship management in the financial industry. An experienced team leader seeking position to oversee daily bank operations. Prioritising high customer satisfaction, leading and developing the team, and ensuring compliance of company policies and regulations.
Overview
20
20
years of professional experience
Work History
Commercial Relationship Manager
Fidelity Bank, Kantamanto Branch – KNA Hub
06.2023 - Current
- Growth in the asset and liability book by 806% (GHS 202,000 to GHS 1,630,000) and 143% (GHS 2,885,000 to GHS 4,126,000) respectively in approx. 1 year (2018-2019).
- Added over 5mil growth to the asset book in approx. 1 year (2021/2022)
- Leveraged on partnership products such as the Medical Credit Fund (MCF) to grow the New to bank (NTB) base and book assets more than GHS1m for the SME Health sector.
- Sterling Relationship Manager-Customer relationship fostering portfolio growth evidenced in consistently out-performing in the Net Promoter Score.
- Generating converted leads on over 300 accounts for salary routing referred to the personal banking and inclusive banking sales personnel over the period as well as staff account cross-sell and conversion for salary routing.
- Ensuring a cross-sell of bancassurance products to Commercial & SME asset clients.
Commercial Relationship Manager
Fidelity Bank, Abossey Okai Branch – KNA Hub
06.2019 - 06.2023
- Achieve all set objectives and sales target by year end.
- Grow assigned customer portfolio in terms of balance sheet and revenue.
- Generate new-to-bank relationships through sales plans and in-branch contacts.
- Cross-sell the bank products to perspective customers.
- Develop process improvements to enhance service efficiency and effectiveness.
- Attend educational training and workshops for professional growth.
- Work in compliance with bank policies and procedures.
Acting Business Center Manager (SME & Consumer Finance unit)
uniCredit Ghana limited, Head Office - Accra
10.2018 - 05.2019
- Training, Coaching and Mentoring of Relationship Officers
- Responsible for the output and growth in numbers and volume of loan and deposit portfolios.
- Generate and Communicates ideas on products and services to the Team.
- Devises new marketing strategies to support the sale of products and services of the company.
- Supervises and co-ordinates activities of Relationship Officers and other officers to achieve the department’s deposits/loans targets.
- Assigns duties to and monitors activities of immediate team members to ensure achievement of performance targets.
- Identifies training needs of immediate team members and organizes or recommends appropriate training for them.
- Organize regular consumer product knowledge training for all branches.
- Assesses the performance of immediate team members and reviews assessments for lower-level employees.
Deputy Business Center Manager (SME & Consumer Finance unit)
uniCredit Ghana limited, Head Office - Accra
01.2018 - 10.2018
- Liaised with the business center manager in Training, Coaching and Mentoring of Relationship Officers
- Responsible for the output and growth in numbers and volume of loan and deposit portfolios.
- Supervised and coordinated activities of Relationship Officers and other officers to achieve the department’s deposit/loans targets.
- Assigned duties to and monitors activities of immediate team members to ensure achievement of performance targets.
- Liaised with the business center manager to identify training needs of immediate team members and organize or recommends appropriate training for them.
- Liaised with the Business center Manager to organize regular product knowledge training for all branches.
- Assessed the performance of immediate team members and reviews assessments for lower-level employees together with the business center manager.
Relationship Manager (SME & consumer finance)
uniCredit Ghana limited, head office - Accra
10.2014 - 12.2017
- Prospecting and management of SME clients
- Advised clients in making informed decisions about their finances, and cross sell to customers on the company’s products where the opportunity is identified.
- Stood in a fiduciary relationship between the company and its clients.
- Responsible for the output and growth in number and volume of the loan portfolio.
- Maintained a business relationship with existing clients of the company through required phone and personal contact.
- Responsible for the monitoring and recovery of loans disbursed.
- Responsible for analyzing and processing client’s loan request.
- Maintained a high-quality portfolio.
- Supervised and coordinated activities of immediate team members to achieve the department’s deposits/loans targets.
- Assigned duties to and monitor activities to ensure achievement of performance targets.
Relationship Officer
uniCredit Ghana limited, Ashaiman branch - Accra
10.2009 - 10.2014
- Prospecting and management of clients
- Maintained a business relationship with existing clients of the company through required phone and personal contact.
- Advised clients in making informed decisions about their finances, and cross sell to customers on the company’s products where the opportunity is identified.
- Stood in a fiduciary relationship between the company and its clients. Credit functions
- Responsible for the output and growth in number and volume of the loan portfolio.
- Responsible for the monitoring and recovery of loans disbursed.
- Responsible for analyzing and processing client’s loan request.
- Maintained a high-quality portfolio.
National Service
uniCredit Ghana limited, Dome branch
09.2008 - 09.2009
- Maintained a business relationship with existing clients of the company through required phone and personal contact.
- Cross sell to customers on the company’s products where the opportunity is identified.
- Responsible for the output and growth in number and volume of the loan portfolio.
- Responsible for the monitoring and recovery of loans disbursed.
- Responsible for analyzing and processing client’s loan request.
Script Checking Officer
West African examination council
09.2005 - 09.2007
- Tallying of marks on answer booklet
- Auditing of answering sheet to ensure that the deserved marks were awarded
- Crosschecking of marks on answer booklet
Education
Master’s in Business Administration - Finance
Coventry University
01.2013
Bachelor of Education - Psychology
University of Cape Coast
Cape Coast01.2008
Senior Secondary School Certificate - undefined
St. Augustine’s College
Cape Coast01.2003
Skills
- Ability to create strategies to increase sales revenue goals, develop existing business and improve volume of business as well as generate innovative techniques to capture new clients
- Excellent interpersonal and management skills and people oriented
- Ability to enter new environments and produce results, using flexible sales style and practical skills that are easily transported between different markets
- Adept in developing effective marketing and sales plans, creating long-range focus for ideas, and devising innovative methods for tactically implementing those ideas
- Ability to communicate, interact and work effectively and cooperatively with professionals from diverse ethnic and educational backgrounds
- Ability to motivate, empower and inspire colleagues in our day-to-day task to boost morale and create excitement in the team
- Astute conflict resolution and interpersonal competence
References
References upon request.
Hobbies and Interests
Soccer, watching movies, listening to music
Awards
2012 - uniCredit Ghana Limited: Best Relationship officer – Ashaiman Branch, 2012 – uniCredit Ghana Limited: Chairman – Staff Welfare, 2003 – Junior Achievement Club: Sales Manager - St. Augustine’s College, 2003 – Catholic Charismatic Renewal: General Secretary - St. Augustine’s College
Timeline
Commercial Relationship Manager
Fidelity Bank, Kantamanto Branch – KNA Hub
06.2023 - Current
Commercial Relationship Manager
Fidelity Bank, Abossey Okai Branch – KNA Hub
06.2019 - 06.2023
Acting Business Center Manager (SME & Consumer Finance unit)
uniCredit Ghana limited, Head Office - Accra
10.2018 - 05.2019
Deputy Business Center Manager (SME & Consumer Finance unit)
uniCredit Ghana limited, Head Office - Accra
01.2018 - 10.2018
Relationship Manager (SME & consumer finance)
uniCredit Ghana limited, head office - Accra
10.2014 - 12.2017
Relationship Officer
uniCredit Ghana limited, Ashaiman branch - Accra
10.2009 - 10.2014
National Service
uniCredit Ghana limited, Dome branch
09.2008 - 09.2009
Script Checking Officer
West African examination council
09.2005 - 09.2007
Master’s in Business Administration - Finance
Coventry University
Bachelor of Education - Psychology
University of Cape Coast
Senior Secondary School Certificate - undefined
St. Augustine’s College
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