Kobina Darko Dickson

• Reduced credit risk by implementing comprehensive risk assessment strategies.
• Enhanced portfolio performance with diligent monitoring and proactive risk mitigation measures.
• Conducted in-depth financial analysis to evaluate corporate borrowers'' creditworthiness.
• Streamlined the loan approval process through effective communication between Risk Control Unit, and Business Units.
• Recognized potential problem loans early, facilitating prompt corrective actions that mitigated losses for the organization.
• Prepared reports on portfolio performance, highlighting areas of concern and suggesting possible solutions for improvement.
• Influenced changes in lending practices by staying abreast of regulatory requirements and best practices within the industry.
• Optimized internal controls within the organization''s credit processes by implementing robust systems checks and balances.
• Adhered to banking standards and government lending guidelines for loan services.
• Reduced past due balances and bad debt by coordinating Recovery officers and Business Units
• Recommended approval or disapproval on all credit loans.
• Participated in Management Credit Committee meetings and served as a sectary to the committee.

• Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
• Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
• Continuously updated personal knowledge of banking regulations and compliance requirements to minimize risk exposure for both clients and the organization.
• Appraise customer's credit application, prepare credit reports (Financial Statement Analysis, Cash Flow Analysis, Industry analysis) and make necessary recommendations for approvals.
• Monitor credit facilities granted to ensure prompt repayment as well as performance on facilities.
• Liaise with Legal Department on completion of Legal documentation on credit approvals, ensuring suitability of collateral submitted by customers to be used as security and insuring of collateral.
• Submit monthly portfolio report for monitoring purposes
• Pursue defaulting customers to ensure payment of their indebtedness.
• Mobilization of deposits

Credit Request Review

• Acknowledge credit request and hold discussions with applicants.

• Request for information/documentation or decline request. Provide term sheet where required.

• Review information submitted, conduct necessary checks (eg. Credit reference bureau) and discuss available options with client.

• Confer with the legal Department on suitability of proposed security.

• Undertake property/ collateral inspection and prepare appropriate report including directional map and pictures where applicable.

Credit Appraisal & Processing

• Use approved presentation formats to process requests, forward for review, address issues raised and finalize for approval.

• Financial Statements Analysis.

• Preparation of Cashflow Projection.

• Industry Analysis

• Company / Management Appraisal

Credit Reporting Preparation and submission of reports within stipulated deadlines. Reports include:

• Weekly reports (pipeline, pending and yet to be disbursed facilities). Ensure pipeline and pending requests and approved facilities are treated in line with stipulated guidelines on treatment of credit applications.

• Quarterly Loans Review Reports

Facility Repayment Monitoring

• Follow up with/ pursue clients to meet facility repayment obligation.

• Follow up for regular updates from the Unit Head (Documentation and Monitoring) and the Recoveries Unit on accounts referred for recovery or legal action.

• Prepare call reports on issues arising on borrowing clients and forward to the Unit Head (Documentation and Monitoring), Credit Manager or Head of Department for necessary action

Post Disbursement Monitoring

• Follow up with clients for renewal of insurance policies on collateral, payment of ground rent and property rate.

• Ensure post disbursement conditions such as sinking fund deductions, submission of stocks reports, receivables reports, progress reports, financial statements etc are fulfilled in a timely manner.

Customer Service & Other duties

• Identify borrowing needs of existing clients and recommend facilities in consultation with the Credit Manager or Head of Department.

• Prospecting for new clients and visiting existing clients to offer Advisory Support.

• Developing new business and ensure deposit mobilization.

• Attend to client’s enquiries on credit facilities.

• Receive customer complaints and take necessary action for possible and quick resolution. Give client feedback or updates until complaint is fully resolved

Facility Renewals & Extensions

• Process facility renewals/ rescheduling or expiry extensions to be approved before facility expiry.

Facility Documentation

• Follow up with clients to complete documentation for approved facilities within stipulated time.

Filing & Housekeeping

• Creation of mirror files for clients at the branch.

• Files are up to date with client information