LYNDA KORKOR OWUSU-ANSAH

• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
• · Verified application and account details to accurately assess credit and financial risks of potential clients.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Adhered to banking standards and government lending guidelines for loan services.
• Monitored client abilities and account information to determine appropriate credit approval decisions.
• Updated client accounts with new information and verified data for informed credit approvals.
• Monitored accounts for signs of fraud and non-payment issues.
• Collaborated with management to evaluate credit strategies and develop improvements.
• Reviewed and verified income, credit reports and employment histories for each borrower.
• Organized and finalized loan applications for underwriter review.
• Attended ongoing professional training to facilitate accurate and productive credit management.
• Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.
• Met with existing customers and prospects to discuss business needs and recommend optimal solutions.
• Attended advanced training sessions and conferences to increase product knowledge and productivity.
• Cold-called leads and closed large number of new sales over several months.
• Implemented marketing strategies and techniques, increasing revenue and customer satisfaction.
• Created strategies to develop and expand sales of services to existing customer which resulted in significant increase in annual revenue.
• Enhanced marketing and sales strategies to increase profitability and develop organizational pipeline.
• Executed a number of presentations to institutions to boost brand awareness as well as promoting our products and services.

• Motivated and trained employees to maximize team productivity.
• Enforced regulatory and company policy compliance to improve workplace and employee safety and readiness.
• Account opening and fixed deposits authorisation
• Enhanced operational performance
• Team work coordination
• Customer satisfaction assistance

• Remained calm and professional in stressful situations.
• Balanced operational awareness with customer focus.
• Printing of customer bank account statements
• ATM cards, saving withdrawal books and cheques books Issuance
• General enquiries on banking.
• Inward and outward cheques handling
• Teller and vault teller operations
• Worked well in a team setting, providing support and guidance.
• Demonstrated respect, friendliness and willingness to help wherever needed.

• Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
• Cheques processing ( House and External Cheques)
• Treasury Bills
• Standing instructions(internal and external)
• Promoted financial products by maintaining excellent service offering knowledge.
• Worked closely with management to strategize sales techniques to increase branch production and customer service.
• Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
• Approached prospective clients through cold calling and emails to meet sales targets.
• Interviewed customers to obtain information needed for opening new accounts.
• Expanded client base by promoting new financial products.
• Processed customer requests for statements, ordering additional checks and updating customer personal information in database.
• Backed up teller team by handling needs of new and existing customers at main counter.
• Combined Vault teller services
• Retained excellent client satisfaction ratings through outstanding service delivery.
• Met with existing customers and prospects to discuss business needs and recommend optimal solutions.
• Developed and delivered engaging sales presentations to convey product benefits.
• Created strategies to develop and expand sales of services to existing customer which resulted in significant increase in annual revenue.

• Balanced staff and vault at end of day and secured monies in accordance with established procedures.
• Trained new tellers in processes and procedures for financial institution, answering questions and providing guidance..
• Cash Management
• Cash deposits
• Cash withdrawals
• Payment orders
• Fees payments
• Maintained, organized and stocked teller window areas.
• Maintained friendly and professional customer interactions.
• Counted, verified and handled bank deposits and armored car transactions.
• Executed wire transfers, stop payments and account transfers.
• Established rapport with new clients to increase satisfaction and loyalty.

1. FRONT AND BACK OFFICE OPERATIONS

• In house cheques
• Other banks cheques
• Funds transfer(in house and to other banks)
• Swift transfers
• ACH
• Salaries processing
• Cheque book stocking and issuing
• Tellering
• ATM Custodian
• Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
• Offered advice and assistance to customers, paying attention to special needs or wants.
• Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.