MARHEY MUHUSIN
BANKER
Accra,LAKESIDE ESTATE, ASHALE BOTWE
Summary
Dedicated and results-oriented Chartered Management Accountant (ACMA, CGMA) with a decade-long successful track record in the banking sector. Possessing an MBA in Financial Management and Accounting, extensive experience spans diverse roles, from an intern as a Reconciliation Officer to the current role as a Credit Risk Analyst. Developed a comprehensive skill set, including expertise in risk management, data analysis, performance and portfolio monitoring, customer relationship management, cash management, and control. Fluent in both English and French, effective communication skills are applied to cross-functional teams. Proficiency in Microsoft Office applications complements analytical prowess, ensuring precise financial insights and strategic decision-making. Committed to excellence and continuous growth, bringing dynamic leadership and financial acumen to any professional challenge.
Overview
13
13
years of professional experience
Work History
Credit Risk Analyst
Societe Generale Ghana
04.2022 - Current
- Credit risk appraisal of request for credit from businesses and individuals
- Identified potential risks in granting credit and proposed measures to mitigate risks to ensure high quality loan portfolio
- Ensured compliance with established credit policy and procedures in effecting duties
- Monthly preparation of regulatory reports on loan provisioning in line with regulation and other related reports while meeting deadlines at all times
- Played important role is putting in place automatic mechanism of preparing monthly provisions report which reduced man hours by over 70%
- Enhanced portfolio performance with diligent monitoring and proactive risk mitigation measures.
- Conducted in-depth financial analysis to evaluate corporate borrowers'' creditworthiness while meeting timeless.
- Developed database with microsoft access to facilitate computation of monthly provisions and related reporting and by so doing, reduced significantly by about 80%
- Identified potential risks by analyzing trends in industry-specific data and market fluctuations.
- Provided recommendations for policy adjustments based on changing economic conditions and borrower profiles.
- Recognized potential problem loans early, facilitating prompt corrective actions that mitigated losses
- Performed stress testing scenarios to assess impact of adverse market events, ensuring adequate capital reserves were maintained.
- Led training sessions for junior analysts to enhance their understanding of credit risk principles and analytical techniques.
- Prepared detailed reports on portfolio performance, highlighting areas of concern and suggesting possible solutions for improvement.
- Championed culture of risk awareness insights and fostering open communication between departments.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Cash Management Business Expert
Societe Generale Ghana
03.2017 - 04.2022
- Worked closely with respective Relationship Managers and internal business partners to provide specialist partnership in securing Payment and cash management mandates & transactions
- Collaborated with account relationship managers to develop new Payment and Cash Management solutions and assist in identifying opportunities within portfolios
- Contributed to enrolling about 90% of corporate clients on internet banking platform
- Proactively managed relationships within portfolio of existing and agreed target clients to increase Transaction turnover (Volume, Value and Revenue) of existing customers.
- Expanded company's market share by establishing strong relationships with key industry partners and clients.
- Implemented customer-centric approaches, enhancing customer experience and generating repeat business.
- Evaluated customer needs and feedback to drive product and service improvements.
Portfolio and Performance Monitoring officer
Societe Generale Ghana
03.2015 - 02.2017
- Provided performance management reporting to informed business decisions
- Performed monitoring of corporate credit portfolio to identify early warning signs of bad facilities
- Analyzed performance of portfolios and met target by 100%
- Established effective relationships with key stakeholders both internally and externally for increased collaboration opportunities.
Corporate Support Services Officer (Assistant Relationship Manager)
Societe Generale Ghana
02.2014 - 02.2015
- Assisted relationship manager in delivering portfolio goals to improve net banking income
- Diligently managed credit lines granted to corporate clients to ensure good performance
- Service provision to clients.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Collaborated with team members to develop best practices for consistent customer service delivery.
- Developed strong product knowledge to provide informed recommendations based on individual customer needs.
- Maintained detailed records of customer interactions, ensuring proper follow-up and resolution of issues.
- Exceeded performance metrics consistently, earning recognition as top performer within team.
- Handled escalated calls efficiently, finding satisfactory resolutions for both customers and employer alike
- Handled customer inquiries and suggestions courteously and professionally.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Clarified customer issues and determined root cause of problems to resolve product or service complaints.
- Processed customer service orders promptly to increase customer satisfaction. This led to achievement of target by 100%
- Participated in team meetings and training sessions to stay informed about product updates and changes.
- Enhanced productivity levels by anticipating needs and delivering outstanding support.
Reconciliation Officer (National Service)
Societe Generale Ghana
10.2012 - 11.2013
- Prepared reconciliation of NOSTRO accounts to determine to help manage bank's liquidity and positions.
- Prepared NOSTRO balances to enable stakeholders take decisions meeting timelines 100%
- Skilled at working independently and collaboratively within team environment.
- Self-motivated, with strong sense of personal responsibility.
- Proved successful working within tight deadlines and in fast-paced environment.
Intern - Practice of Credit Risk Analysis
Bank Populaire, Kenitra, Morocco
02.2012 - 04.2012
- Worked on process of determining creditworthiness of solicitor of credit to write MBA final year report.
- Reported to duty timely 100% during tenor of internship
Intern
Office Nationale des Eaux Potable (A Moroccan potable water authority)
06.2011 - 08.2011
- Assisted staff working on award of procurement contracts and its related accounting
- Provided 100% dedication to assisting team members
- Enhanced intern productivity by assisting with project coordination and providing ongoing support
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments
Education
Associate Chartered Management Accountant (ACMA), Chartered Global Management Accountant (CGMA) - Management Accounting
Chartered Institute of Management Accountants
United Kingdom08.2017
MBA in Financial Management & Accounting - Financial Management
Ecole Nationale De Commerce Et De Gestion-Kenitra, Morocco
Kenitra, Morocco06.2012
Diploma in Economic Science and Management -
Université Ibn Tofail, Faculty of Economic Sciences And Management-Kenitra, Morocco
Kenitra, Morocco06.2009
Skills
- Advance appreciation of how banks function
- Risk Management
- Credit Risk Appraisal
- Financial Statement Analysis
- Performance Monitoring
- Marketing Research
- Credit Monitoring
- Financial Reporting
- Performance Evaluation
- Data Analysis
- Sales
- Relationship Management
- Proficient in microsoft excel, microsoft access
- Underwriting
Languages
English
Bilingual or Proficient (C2)
French
Bilingual or Proficient (C2)
References
References available upon request.
other skills
Fluent in English and French, Basic knowledge in Spanish, Little knowledge of Korean, Very proficient in Microsoft Office, Reading, Appreciating art (Music, Movies), Sports
references
Available upon request
Timeline
Credit Risk Analyst
Societe Generale Ghana
04.2022 - Current
Cash Management Business Expert
Societe Generale Ghana
03.2017 - 04.2022
Portfolio and Performance Monitoring officer
Societe Generale Ghana
03.2015 - 02.2017
Corporate Support Services Officer (Assistant Relationship Manager)
Societe Generale Ghana
02.2014 - 02.2015
Reconciliation Officer (National Service)
Societe Generale Ghana
10.2012 - 11.2013
Intern - Practice of Credit Risk Analysis
Bank Populaire, Kenitra, Morocco
02.2012 - 04.2012
Intern
Office Nationale des Eaux Potable (A Moroccan potable water authority)
06.2011 - 08.2011
Associate Chartered Management Accountant (ACMA), Chartered Global Management Accountant (CGMA) - Management Accounting
Chartered Institute of Management Accountants
MBA in Financial Management & Accounting - Financial Management
Ecole Nationale De Commerce Et De Gestion-Kenitra, Morocco
Diploma in Economic Science and Management -
Université Ibn Tofail, Faculty of Economic Sciences And Management-Kenitra, Morocco
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