Sandra Obenewaa Duah

• Increased client satisfaction by building strong relationships and addressing their needs promptly.
• Maintained high client retention rate by providing exceptional customer service and anticipating client needs.
• Managed a diverse portfolio of accounts, ensuring timely communication and effective problem resolution.
• Successfully resolved escalated issues, preventing potential loss of valuable clients while maintaining positive relationships with all parties involved.
• Conducted regular account reviews to identify areas for improvement and ensure continued success.
• Collaborated with sales team to identify potential upsell opportunities and expand client base.
• Negotiated contract terms with clients, securing favorable agreements for both parties.

• Regularly monitor the bank’s loan portfolios to ensure compliance with approved terms, conditions, and covenants.
• Identify early warning signs of credit deterioration and escalate potential risks for proactive resolution.
• Ensure compliance with internal policies, procedures, and external regulatory requirements (e.g., Basel guidelines, bank rules).
• Track and verify the status, valuation, and sufficiency of collateral provided for loans.
• Review credit documentation to confirm accuracy, completeness, and adherence to approval terms.
• Monitor overdue loans and take preventive measures to control non-performing assets (NPAs).
• Prepare periodic reports on loan portfolio performance, risk exposures, and compliance issues for senior management and regulators.
• Implement and oversee control systems to identify and minimize operational, credit, and compliance risks.
• Monitor borrowers’ adherence to loan covenants, such as maintaining specific financial ratios or submitting financial statements on time.
• Assist in both internal and external audits by providing required information and ensuring corrective actions on audit findings.
• Recommend and implement process improvements to strengthen credit monitoring and control mechanisms.
• Work closely with credit, risk, and operations teams to manage and mitigate risks effectively.

• Analyze borrowers’ financial statements (balance sheets, income statements, and cash flow statements) to assess their financial health and creditworthiness.
• Evaluate loan applications, identify credit risks, and assign appropriate risk ratings.
• Review, analyze, and underwrite credit proposals while ensuring compliance with bank policies and regulatory guidelines.
• Create detailed and accurate credit analysis reports with recommendations for loan approvals, rejections, or modifications.
• Assess the value and quality of collateral offered against loans and ensure proper risk coverage.
• Track the performance of existing loan portfolios, identifying early warning signs of credit deterioration.
• Ensure credit assessments and loan underwriting adhere to local and international banking regulations (e.g., Basel III).
• Collaborate with relationship managers and clients to collect necessary financial data and clarify credit requirements.
• Present credit findings, insights, and recommendations to senior management and credit committees.

• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
• Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
• Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
• Reduced delinquency rates by implementing effective portfolio management strategies.
• Reviewed and verified income, credit reports and employment histories for each borrower.

• Managed cash registers efficiently, ensuring accurate transactions, balancing drawers daily, and minimizing discrepancies.
• Managed opening and closing procedures and recommended changes to enhance efficiency of daily activities.
• Enhanced store appearance for increased sales by maintaining cleanliness and implementing strategic merchandise displays.
• Rotated merchandise and displays to feature new products and promotions.
• Assisted the Store Manager in analyzing sales data to identify trends and make informed decisions for improving overall store performance.

• Completed data entry tasks with accuracy and efficiency.
• Followed established procedures to enter and process data correctly.
• Organized, sorted, and checked input data against original documents.
• Scanned documents and saved in database to keep records of essential organizational information.
• Verified accuracy of data entered into system to produce error-free reports.
• Sorted documents and maintained organized filing process.
• Enhanced data accuracy by meticulously reviewing and correcting errors in spreadsheets and databases.

• Maintained clean and organized files by keeping accounts payable records up-to-date.
• Performed administrative and clerical duties such as word processing, data entry, faxing and copying.
• Processed payments and documents such as invoices, journal vouchers, employee reimbursements, and statements.
• Prepared itemized statements, bills, or invoices and recorded amounts due for items purchased or services rendered.
• Communicated and resolved disputes with clients regarding outstanding invoices, payments and adjustments.