JULIUS KOFI DARKO
Accra
Summary
An ambitious professional with over a decade of experience in SME credit administration, recoveries and marketing. Strengths include ability to assess creditworthiness, manage credit and debt portfolios, and develop effective strategies for mitigating potential risks. Desirous to nurture relationships with clients to achieve business growth and expansion, whiles maintaining high ethical and professional standards.
Overview
14
14
years of professional experience
Work History
Credit Executive
Republic Bank Ghana( Republic Boafo)
Accra
06.2021 - Current
- Marketing of SME loan products
- Credit analysis and appraisal of client's businesses
- Business advisory services
- Deposit mobilization
- Recovery of delinquent loans
Recoveries Officer
Republic Bank Ghana (Republic Boafo)
04.2018 - 05.2021
- Engaged defaulting clients, analyzed the causes of defaults, and recommended remedial actions to protect the interest of the bank.
- Maintained records of all collection activities, including contact attempts, conversations, and arrangements made, which became useful when issues escalated to legal channels.
- Reviewed delinquent accounts for assessment of risk of default and determined appropriate action for recovery.
- Prepared periodic reports on delinquency rends, recovery activities, portfolio performance and other related issues.
Credit Officer
Republic Bank Ghana (Republic Boafo)
Accra
01.2014 - 04.2018
- Lead my team to win the very first new customers of the newly opened Madina Branch until it attained full operational status.
- Reviewed credit applications and financial records to determine customer creditworthiness.
- Analyzed customer accounts, payment patterns, and credit history to assess the risk of default.
- Monitored clients to ensure loans have been used for the agreed purpose.
- Negotiated payment plans with defaulting clients in order to improve chances of recovery and reduce or eliminate losses to the bank.
Warehouse/Data Processing Officer
TechnoServe Ghana( National Service)
10.2010 - 07.2011
- In this role, I undertook regular updates and monitoring of farmer databases, assessment of farmer compliance with certification standards and warehouse monitoring of cocoa beans in cocoa growing areas
- Through my initiative and creativity, I developed a customized digital procedure for the assessment of farmer’s compliance to certification standards.
Education
Master of Arts - Economic Policy Management
University of Ghana
Legon, AccraSecurities And Investments
Ghana Stock Exchange
Cedi House, Accra09.2018
MSc. Development Finance -
University of Ghana Business School
05.2016
BSc Agricultural Engineering -
Kwame University of Science and Technology
05.2010
Skills
- Strong quantitative and qualitative credit analysis skills
- Excellent people skills in leadership, communication and conflict resolution
- Proficient in the use of Microsoft Office Suite
- Ability to deliver set targets under demanding conditions
References
- Wisdom Dakudzi, Operations Manager, Republic Boafo. Contact: 0243679218
- Kwasi Yirenkyi, Non-Executive Board Member, Dannex Aryton Starwin Plc Ltd, Board Member, Opportunity International S&L Limited. Contact: 0244325086
Timeline
Credit Executive
Republic Bank Ghana( Republic Boafo)
06.2021 - Current
Recoveries Officer
Republic Bank Ghana (Republic Boafo)
04.2018 - 05.2021
Credit Officer
Republic Bank Ghana (Republic Boafo)
01.2014 - 04.2018
Warehouse/Data Processing Officer
TechnoServe Ghana( National Service)
10.2010 - 07.2011
Master of Arts - Economic Policy Management
University of Ghana
Securities And Investments
Ghana Stock Exchange
MSc. Development Finance -
University of Ghana Business School
BSc Agricultural Engineering -
Kwame University of Science and Technology
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