Results oriented individual, with 12 years’ experience in banking operations and branch management. Delivered consistent performance by creating value in customer management, profitability, business development and operational efficiency. Seeking to effect change, by working with people to develop innovative and creative solutions to problems.
· Lead a staff of 28 personnel including relationship managers and credit control: by assigning, guiding, and managing the day-to-day activity of the branch network, Dormaa Express Centre and the Holy Family Cash Collection Center.
· Manage a portfolio of GHS 31 million in deposits including GHS 22 million in Personal banking, over GHS 12.5 million in Commercial banking and Inclusive banking.
· Turned around the branch performance to be ranked amongst the Top 5 most profitable branches within Fidelity Bank.
· Ensure the delivery of sales and revenue targets of the Branch.
· Ensure the effective administration of all work functions within the branch.
· Implement the operational, credit, compliance, risk and control policies and procedures in the branch.
· Analyze markets to identify opportunities and competitors' activity to make recommendations.
· Develop productive relationship with clients to create value.
· Liaise with Agent Network Officers to grow the agent network within the locale.
Business Development Achievement
· Prospected and successfully implemented the Holy Family Cash Collection mandate in Berekum in 2017. This business mobilizes monthly average deposit of GHS 500,000.00.
· Conceptualized, Developed and Instituted the of Express Centre business model (Mini Bank Branch) which resulted in the establishment of the first Express Centre in Dormaa in 2018.
· Identified and developed business case for the opening of the Sampa Express Branch in 2020 to bank the cashew industry value chain. The Express branch is fully operational as a hybrid branch in the Sampa business district.
· Implemented strategic sales levers to grow the remittance business of Berekum branch. The branch has since been the market leader (Controlling 70% Market share in Berekum) and topmost Remittance performing branch within Fidelity from 2018 to date.
· Developed the mobile money business to become the second (2nd) best branch in Fidelity Bank in terms of revenue and transactions. Cross selling opportunities were also maximized to ensure customer retention and revenue sustenance.
· Initiated, planned, and executed the deployment of Agency banking in Berekum and its alluring towns as a channel’s strategy for customer acquisition, transaction growth and deposit mobilization for the benefit of the Bank and value to customers.
· Identified and developed the wood industry value chain for FX (Foreign exchange).
· Conceptualized, developed, and executed a successful business value proposition for Non-Bank Financial Institutions (NBFI) ie Dormaa Area Teachers' Credit Unions, Berekum Area Teachers' Credit Union and the Baccsod's in Berekum, Wamfie, Wamanafo and Suma. This collaboration has created a fiscal relief of efficient financial management for the NBFI staff and overall value for the Bank.
Awards
Fidelity Orange Award 2020
Best Branch, Remittance:2018,2019,2020.
· As the Operations Supervisor, I managed cash, assigning task, guiding and supervising the day-to-day activity of the branch.
· Managed staff performance and career planning, as well as making recommendations, suggestions, up channeling employee issues.
· Supervised tellers’ activities including authorizing cash transactions above teller limits; custodian of vault and atm keys, and reviewed processing entries and vouchers.
· Supervised the activities of Clients’ Service Officers (CSO), the sales team met their targets and overall service strategy were implemented and achieved.
· Reviewed weekly and monthly reports for onward submission to Branch Operations Head Office.
· Identified cost saving opportunities and supported business transformation programmes.
· Supported the implementation and embedding of all new Business Product Procedures and Regulatory requirements.
· Ensured that control standards were maintained, including the timely implementation of internal and external audit points together with any issues raised by external regulators.
· Ensured that all units always adhered to Internal procedures and regulatory framework.
Award
Fidelity Orange Award 2014
· Responded to clients’ enquiries, opening of accounts, and addressing customer complaints.
· Funds Transfer including processing of salaries and in charge of fixed deposits and treasury bills at the branch.
· Monitored and reconciled clearing and other suspense accounts, process commission charges on transactions and teller imbalances.
· Identified the prospects for cross-selling of products and referring business to appropriate department and staff.
· Part of a team that prepared daily, weekly, and quarterly reports and spreadsheets.
· Onboarded new clients and maintained employee records.
· Implemented strategies to update office technologies and operations.
· Funds Transfer including processing of salaries and in charge of fixed deposits and treasury bills.
· Assisted in processing loan requests and prepared all required documentation.
· Implemented efficient banking procedures ensuring that all regulatory requirements were observed.
· Resolved client issues in a timely manner.
Adept at managing and resolving a variety of common banking issues
Profound knowledge of management and supervisory techniques
Solid understanding of banking regulations
Ability to handle multiple tasks in an efficient manner
Good decision making and problem-solving skills
Excellent organisational skills