Hi, I’m
SALOME AKWELEY ADJEI
Accra
Summary
PERSONAL PROFILE A seasoned risk management professional with over 10 years of experience in the in-retail banking and investment banking industry. Has a demonstrable track record in operational and leadership positions in branch operations, credit management, and risk & compliance. Has excellent communication and interpersonal skills with the ability to build strong relationships at all levels of the organization. I am very ethical, analytical, and results-driven with a strong focus on goal achievement.
Overview
22
years of professional experience
Work History
SIC-FINANCIAL SERVICES LTD
Credit Risk Manager
01.2018 - Current
Job overview
- Manages the overall risk management function and processes of the institution
- Reviews and assesses the risks associated with new products and activities of the institution prior to implementation
- Prepared a risk management policy and framework for the institution
- Ensure funds under management are within regulatory guidelines, and asset allocation is in line with investment policy
- Ensure prudent management of client’s funds: advise the investment committee on the risk involved in all investment decisions
- Monitor and advice the investment committee on interest rate matching
- Establishes and documents credit risk management policies, processes, and clear guidelines including pre-debt issuance eligibility requirements, collateral, approval authority level, repayment terms, and delinquency and default management
- Ensure strict adherence to internal controls through frequent checks and report deviations and recommendations to management
- Establishes credit risk management policies and guidelines for credit risk analysis/assessment
- Reviews recommends, and implements change to credit policies, operations and procedures
- Retains accountability for managing risk in lending processes throughout the institution, identifies areas of potential loss or liability, and initiates action to minimize exposure to risk
- Ensures all debt issuance activities are in compliance with sound business practices, legislation, regulations, bye-laws, policies, and procedures
- Conducts regular reviews of limits, audit controls, lending caps, and other risk management areas to ensure compliance; reviews commercial and retail files on a random basis
- Ensures that debt instruments adhere to existing policy guidelines, documentation is adequate to ensure the security of collateral and that ongoing administration and review is adequate to maintain the portfolio’s quality and profitability
- Establishes and implements effective delinquency measurement and loan loss monitoring policies and procedures including a standard monitoring tool for payments in arrears and portfolio at risk
- Develops standard risk management policy training tool kit and ensures all debt issuance, operations, processes, and corporate finance, asset management staff and investment committee undergo risk management training
- Ensures confidentiality of corporate information is maintained in all cases to protect the interest of the institution and those of clients
- Coordinates and monitors strategic CEO’s projects including project management and progress
- Liaise with external lawyers on all legal-related issues.
Operational Risk& Compliance Manager
01.2012 - 01.2017
Job overview
- Ensures that all departments/branches and staff comply with the most current internal controls, regulatory guidelines, business policies, and procedures
- Provide subject matter expertise on operational risk management and internal control and reporting requirements
- Plan control risks assessment reviews across the institution to ensure compliance with policies, procedures, regulatory requirements, and KYC requirements
- Develop key risk indicators, identify key risk drivers, and review risk profiles and associated remediation plans
- Assess the integrity of each function/process through policy and procedure reviews to identify the adequacy of risk management techniques employed
- Review operational risk outputs for compliance, quality, and accuracy and provide feedback/coaching as required
- Presents periodic reports to the management committee concerning the institution’s record or state of compliance with rules and regulations of regulatory bodies
- Developing and implementing an AML/CFT Compliance Program
- Training of staff in AML/CFT awareness, detection methods, and reporting requirements
- Receiving and vetting suspicious transaction reports
- Conduct quarterly Branch Compliance checks
- Credit Risk Reviews of all credit facilities
WOMEN’S WORLD BANKING GHANA LTD
01.2006 - 01.2017
Credit Operations Manager
01.2009 - 05.2012
Job overview
- Identify potential market/clients for new business
- Meet monthly sales targets as per budget
- Monitor all loan clients and ensure loan installments due are paid
- Support and train the credit team to grow the portfolio.
Senior Credit Officer
01.2006 - 01.2008
Job overview
- Loans processing, administration, and monitoring
- Prepares weekly and monthly performance reports for easy monitoring
- Co-ordinates the processing of the loan application ensuring that loans are processed according to the bank’s lending policies and client’s needs
- Collects past due or delinquent accounts based on the aging report prepared by the Credit department, and according to the policies of the institution
- Grow client base, deposits, and profits.
Abura Asebu Kwamankese District Assembly
Accounts Officer
11.2004 - 01.2005
Job overview
- Key Responsibilities
- Prepared payment vouchers
- Issued building permits
- Prepared monthly Bank reconciliation statements
- Administrative functions
- Economic and Organized Crimes Office.
Accounts Officer
07.2002 - 10.2002
Job overview
- Prepared payment vouchers
- Administrative functions including payment of returns at Bank of Ghana
- Made ledger entries.
Education
Enterprise Risk Management Masterclass ICAG
01.2021
Improving Sales Skills
04.2012
University Overview
Effective Credits Recovery, Lending Without Tears - Bank watch Ltd
Ideas Consulting Ltd
02.2011
University Overview
Customers First - Nest
Microfinance - National Banking College
08.2009
Applied Microfinance Institute (AMI
03.2009
University Overview
.
Practical Skills and Tools for Microfinance (Delinquency Management, Product Marketing, Risk Management, Financial Management.
Business School Netherlands/National Banking College
MBA from Finance and Risk Management
12.2006
Methodist University
BBA from Banking and Finance
01.2004
Ghana Secondary School
SSSCE from General Arts
01.1996
Skills
- KEY AREAS OF EXPERTISE
- Risk management techniques
- Portfolio management and analysis
- Operational risk techniques
- Credit risk management techniques
- Report writing
- Branch Operations Management
- Advanced skills in MS OFFICE (Micro soft word, Excel, PowerPoint)
- Fast learner with the skills to organize coordinate and control activities in an organization
- A hardworking team player with excellent interpersonal analytical skills attained through education and exposure
- Excellent customer relation skills
References
References
Available upon request.
Languages
English
First Language
English
Advanced
C1
Accomplishments
- Developed relationships with 50 new clients and typically exceeded sales goals by 30%.
- Promoted from senior credit officer to credit operations manager, in less than 12 months.
Accomplishments
- maintained a portfolio at Risk of less than 1%% consistently for 5 years.
- improved loan portfolio by over 70% consistently for 5 years
- reduced audit queries from regulatory checks to less than 1%
Timeline
Credit Risk Manager
SIC-FINANCIAL SERVICES LTD
01.2018 - Current
Operational Risk& Compliance Manager
01.2012 - 01.2017
Credit Operations Manager
01.2009 - 05.2012
WOMEN’S WORLD BANKING GHANA LTD
01.2006 - 01.2017
Senior Credit Officer
01.2006 - 01.2008
Accounts Officer
Abura Asebu Kwamankese District Assembly
11.2004 - 01.2005
Accounts Officer
07.2002 - 10.2002
Enterprise Risk Management Masterclass ICAG
Improving Sales Skills
Ideas Consulting Ltd
Microfinance - National Banking College
Applied Microfinance Institute (AMI
Business School Netherlands/National Banking College
MBA from Finance and Risk Management
Methodist University
BBA from Banking and Finance
Ghana Secondary School
SSSCE from General Arts
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