Summary
Overview
Work history
Education
Skills
Custom
Personal Information
Accomplishments
Timeline
Generic

NII BAAH AFLO

ACCRA,GREATER

Summary

To take new initiatives, deal with challenges which accrue from where I find myself and set a new platform in the business world

Very hardworking, flexible, innovative, demonstrated accuracy, attention to detail and ability to work well in a team environment. Establish and maintain productive communication with clients, all levels of management and fellow employees. Exercise initiative, achievement and independent judgment. Self-motivated and assertive. Willing to learn all business processes to correctly answer customer queries. Applies proactive approach to reviewing client needs to deepen relationships and offer superior customer service.

Overview

18
18
years of professional experience
11
11
years of post-secondary education

Work history

Relationship Officer, Corporate Banking

Agricultural Development Bank PLC
Accra, Greater Accra Region
06.2023 - Current
  • Generate revenue to meet targets for various assigned products of the bank (which shall include Cash Management, Trade Sales, Treasury Sales, Deposits Income, Debt Products Income and Net Interest Income on Lending and Advances)
  • Conduct regular (weekly) client visits backed with documented call reports on customer file which are to be shared with product and credit partners with actionable, time bound follow-ups.
  • Maintain healthy client relationships and ensure customer satisfaction.
  • Monitor customer accounts to ensure regulatory compliance for all clients and transactions.
  • Monitor customer accounts to ensure full compliance with documentation, policies, perfection of security in line with terms of credit sanctions prior to disbursement of credit facilities.
  • Maximize usage of Bank’s transaction banking and electronic channels by clients in portfolio.

SME Relationship Officer

Agricultural Development Bank PLC
Accra, Greater Accra Region
06.2015 - 05.2023
  • Generate revenue to meet targets for various assigned products of the bank (which shall include Cash Management, Trade Sales, Treasury Sales, Deposits Income, Debt Products Income and Net Interest Income on Lending and Advances)
  • To track income aimed at preventing income leakages
  • Develop facility pricing of debt portfolio and cross-sell directly attributable to each debt facility to achieve a set target for portfolio Return on Economic Capital (ROEC) of the Business Banking portfolio.
  • Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements whilst maintaining the quality of the SME portfolio within the stipulated Non-Performing Loans (NPLs) and Portfolio at Risk (PAR) parameters
  • Maintain, update and ensure quality credit files – including call reports, business plans, wallet sizing plans, financial accounts.
  • To ensure that watch listed accounts are reduced to the barest minimum
  • Shall ensure zero tolerance for overdue limits as required by policy

Business Development Officer

Agricultural Development Bank PLC
Accra, Greater Accra Region
01.2013 - 06.2015
  • As the sales person for the Kasoa Branch of the Bank, I liaise with the Branch Manager and the Zonal Head to achieve the branch targets
  • In charge of researching and segmenting the Zone to identify businesses and make business proposals enroll those businesses in the books of the Bank.
  • Generating Credit Reports for business seeking credit facilities from the Bank
  • Manage to ensure that majority of borrowing customers in the portfolio are operating account with a more than double turnover of credit facility
  • Generate revenue to meet targets for various assigned products of the Bank
  • Maximised cross-selling opportunities to increase new and current client spending.
  • Coached team to build client relationships and exceed sales targets.
  • Influenced key decision-making and established trust with customers.

Service Support Officer

Agricultural Development Bank PLC
Accra, Greater Accra Region
01.2011 - 01.2013
  • As a service support officer, I process and monitor the personal loans portfolio at the branch level
  • As ATM custodian, I liaised with the Transaction Banking Department of the Bank to provide 24 hour ATM service to all customers
  • System support officer for the Kasoa Branch liaising with the Data Center to address all IT related issues at the branch level
  • Provide advisory services to customers as to how to operate their business account and at what time to invest
  • Provided support to the Operation Officer with regards to clearing of customers cheques at the branch
  • Customer service duties, like account opening, balance enquiries, preparing payment orders, treasury bills
  • Reconciliation of general ledger balances outstanding as well as monitoring the branch balance sheet
  • Generate weekly and monthly report to my supervisor to assist in management decisions.
  • Carried out day-to-day duties accurately and efficiently.

Inputer (Rapid Transfer Unit)

eProcess International S.A (Ecobank Group)
07.2008 - 07.2009
  • Transfer of fund for customers from one affiliate to another and within Ecobank Ghana
  • Sending mails of authority to affiliates to effect payments
  • Tracking of transfers with the main aim of making sure the fund gets to its final destination (customer)
  • Investigating on transactions with some levels of suspicion
  • Embarking on reconciliation of account
  • Generate weekly and monthly report to my supervisor to assist in management decisions

Industrial Attachment

Myroc Food Processing Company
Tema
06.2007 - 08.2007
  • Keeping stock raw materials such as the (fishes, cans for canning, cards for packaging, oil)
  • Keeping stock of finished products
  • Keeping accounts of stock meant for shipping
  • Preparing weekly and monthly reports on all various stocks(raw materials, finished products, exported products)
  • Liaising with quality assurance to take record for the quality of the finished products and to know the goods rejected each day, week and month

Education

ACIB - Chartered Banker

Chartered Institute of Bankers
04.2016 - 12.2020

Bachelor Of Arts - undefined

University Of Ghana, Legon
01.2004 - 01.2008

Business - undefined

St. James Seminary and Sec. Sch.
01.2001 - 01.2003

Skills

  • Computer Literate
  • Creative
  • Friendly
  • Cooperative
  • Accepts Constructive Criticism
  • Great communication skills
  • Customer service excellence
  • Relationship-building
  • Customer relationship management
  • Customer service-oriented
  • Financial product knowledge
  • Banking procedures

Custom

  • Reading and researching (on issues of economic development)
  • Watching adventurous Movies and Football

Personal Information

  • Date of birth: 04/26/85
  • Gender: Male
  • Nationality: Ghanaian
  • Marital status: Married

Accomplishments

  • Achieved over a 100% in all major KPIs as a Relationship Officer in the 2021 and 2022 financial year, by opening and managing over 30 accounts with notable names as CrudEnergy Ghana Limited and SEB Energy Ltd.
  • Good credit report writing skills, notable credit papers CrudEnergy Ghana Limited, SEB Energy Ltd and Empire Cement Ghana Ltd. Also assists colleagues within the SME Unit to generate credit reports.
  • Assisted the SME Unit train a new employee who was assigned to me during the last quarter of 2021.
  • Notable accounts opened over the years include, Bernet Enterprise, Menzgold Company Ltd, Brew Marketing Ltd, Platinum Seal Ltd, Core Construction Ltd, Merkot Pharmacy Ltd, Merkot Mining & Building Construction Ltd, Beatrice Owusu Farms, E O Motors, CrudEnergy Ghana Limited SEB Energy Ltd, Wire Mesh Manufacturing Ltd
  • Had remarkable feet in Kasoa Branch ability to achieve its targets in 2014. This resulted in the Branch being first in the South-West Zone in terms of Deposits and Customer Counts.
  • As an ATM custodian I balanced the Kasoa branch ATM GLs, and supported other branches (UCC, Accra Newtown and Achimota Branch) being referred by the Operational Rigour Manager to assist other branches to balance their GL
  • Acted as Branch Manager in the absence of both the Manager and Operation on the 5th June, 2014. I did it with no supervision and no issues were raised.
  • With the support of the team at Kasoa Branch, we change the Branch from a loss making position from 2017 and have sustained it till date.

Timeline

Relationship Officer, Corporate Banking

Agricultural Development Bank PLC
06.2023 - Current

ACIB - Chartered Banker

Chartered Institute of Bankers
04.2016 - 12.2020

SME Relationship Officer

Agricultural Development Bank PLC
06.2015 - 05.2023

Business Development Officer

Agricultural Development Bank PLC
01.2013 - 06.2015

Service Support Officer

Agricultural Development Bank PLC
01.2011 - 01.2013

Inputer (Rapid Transfer Unit)

eProcess International S.A (Ecobank Group)
07.2008 - 07.2009

Industrial Attachment

Myroc Food Processing Company
06.2007 - 08.2007

Bachelor Of Arts - undefined

University Of Ghana, Legon
01.2004 - 01.2008

Business - undefined

St. James Seminary and Sec. Sch.
01.2001 - 01.2003
NII BAAH AFLO