Simon Binak
Pusiga
Summary
Dynamic Branch Manager with a proven track record at BESSFA RURAL BANK PLC, excelling in risk management and team leadership. Successfully drove branch profitability while ensuring regulatory compliance and safeguarding assets. Expert in T24 Banking Application, consistently achieving operational excellence and fostering strong client relationships to enhance loyalty.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Branch Manager
BESSFA RURAL BANK PLC.
Pusiga
03.2023 - Current
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Assigned duties to employees and examined work for accuracy, neatness and timeliness.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Provided effective managerial direction, leadership and supervision to the entire staff members of the branch.
- Ensured the safeguarding of the assets and liabilities of the branch.
- Ensured compliance with the internal controls and instituted daily internal checks to ensure the prevention and/or early detection of fraud, errors or irregularities.
- Effectively monitored the treasury of the branch ensuring that specie movement is arranged on time for the movement of excess cash to Head Office.
- Ensured that all the products and services of the bank are sold at the branch.
Branch Manager
BESSFA RURAL BANK PLC.
Nalerigu
12.2020 - 03.2023
- Ensured the strict compliance with the approved polices and procedures of the bank.
- Supervised the daily accounting journal as well as the day-to-day running of the branch.
- Saw to the preparation of the annual work plan and budget of the Nalerigu Branch for submission to the Operations Manager by October 15 each year and as well as its implementation.
- Provided monthly performance report, variance analysis as well as taking appropriate action to address adverse variance at the agency.
- Supervised the appraisal of all loans and advances in accordance with the bank's credit policies for the consideration of the Credit Manager.
- Ensured the timely disbursement of all loans and advances approved by Management and the Board of Directors.
Credit Officer
BESSFA RURAL BANK PLC.
Nakpanduri
09.2015 - 12.2020
- Recommended approval or disapproval of different loan types based on established criteria.
- Analyzed and prepared existing borrower reports and reviews to track repayments and compliance with loan agreements.
- Met with credit applicants to acquire personal and financial information used to process credit report.
- Double-checked account and application information provided by clients to assist in making accurate credit decisions.
- Effectively Monitored and recovered loans and overdrafts to constantly reduce the amount of past due balances on monthly basis.
- Responsible for the booking and disbursement of all loans and overdrafts.
- Responsible for the timely submission of credit data of the branch to the approved Credit Bureau in compliance with the Credit Reporting Act.
- Preparation and submission to the Branch Manager, a comprehensive monthly report on loans and advances portfolio of the bank at the branch.
Education
Master of Science - Accounting And Finance
SDD-UBIDS-Wa
Ghana12-2024
Bachelor of Commerce - Accounting
University of Cape Coast
GHANA05-2019
Higher National Diploma(HND)-Accountancy - Accounting
SUNYANI TECHNICAL UNIVERTY(STU)
Sunyani06.2012
Skills
- Expert in Risk Management(Loans and Advances)
- Proficient in T24 Banking Application
- Account analysis expertise
- Excels in team leadership
- Regulatory Compliance
Languages
English
Proficient
C2
Moar
Proficient (C2)
C2
Certification
- Banking, BESSFA RURAL BANK PLC. - 10 years
Timeline
Branch Manager
BESSFA RURAL BANK PLC.
03.2023 - Current
Branch Manager
BESSFA RURAL BANK PLC.
12.2020 - 03.2023
Credit Officer
BESSFA RURAL BANK PLC.
09.2015 - 12.2020
Master of Science - Accounting And Finance
SDD-UBIDS-Wa
Higher National Diploma(HND)-Accountancy - Accounting
SUNYANI TECHNICAL UNIVERTY(STU)
Bachelor of Commerce - Accounting
University of Cape Coast
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