Summary
Overview
Work History
Education
Skills
Timeline
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Stephen Asare

Accra

Summary

Accomplished Underwriting Specialist at GCB Bank Limited, adept in credit analysis and demonstrating exceptional interpersonal skills. Elevated loan portfolio by over 100%, significantly reducing NPL rates to 2%. Recognized for outstanding portfolio management and customer service, consistently ensuring data integrity and risk assessment align with bank policies.

Overview

14
14
years of professional experience

Work History

Underwriting Specialist

GCB Bank Limited
Risk Management Department
09.2017 - Current
  • Carry out system verification of customer information to ensure excellent data quality
  • Interpreted underwriting guidelines and assessed risks according to the bank's policies to key stakeholders.
  • Determined level of acceptable risk by reviewing loan applications based on the bank's acceptable risk tolerance.
  • Resolved discrepancies between documentation provided by applicants and system data by collaborating with branches.
  • Collaborated with loan originators and processors to gather necessary documentation and ensure data integrity
  • Analyze, evaluate and appraise personal loans and SME requests based on the bank's credit policy and approval criteria
  • Utilize the provided software to score credit applications to minimize potential losses.

Loans Officer/ ATM Custodian

GCB Bank Limited
Sunyani Main Branch
02.2015 - 09.2017
  • Increased loan portfolio for the branch by over 100% by cross selling the bank's loan product using the niche sytle of marketing. Onboarded the affluent and high net worth prospective workers as a result to access higher loan amounts.
  • Monitored loan portfolio to enure deliquent accounts are immediately attended to and net figures closed.
  • NPL rates dropped drastically to about 2% when a strategic team made up of myself, manager and his secretary embarked on daily loan recoveries. We recouped over 40% of total loans defaulted over the years.
  • This resulted in the Sunyani main branch becoming the second best nationwide in increased loan portfolio and reduced non-performing loans. Recieved commendations from Head of Consumer Banking and Regional manager.
  • Balanced 2 on site and 2 offsite ATM machine General ledgers manually to ensure loaded cash at any point in time balanced with general ledger figures. This was after a huge balance was recorded on the branch's GL and area manager transferred me there to resolve the issue.

Systems Administrator/ATM Custodian

GCB Bank Limited
Duayaw Nkwanta Branch
09.2010 - 02.2015
  • Monitored systems performance to identify potential issues and provided solutions as needed.
  • Approached customers and engaged in conversation through use of effective interpersonal and people skills.
  • Exceeded customer satisfaction by finding creative solutions to problems.
  • Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Worked with cross-functional teams to achieve goals.
  • Recognized by management for providing exceptional customer service.
  • Performed daily inspections of ATM machines for proper functioning and appearance.
  • Managed inventory levels of money in ATMs machine by managing available notes in cassetes.
  • Ensured ATM were appropriately balanced and became the first to balance General ledger banking

Education

Master of Business Administration, Finance

Kwame Nkrumah University of Science And Technology
06-2012

Bachelor of Arts, Economics

Kwame Nkrumah University of Science And Technology
05-2007

Mfantsipim School
01-2001

Skills

  • Credit analysis
  • Portfolio management
  • Analyzing data
  • Creditworthiness assessment
  • Risk assessment
  • Loan evaluation

Timeline

Underwriting Specialist

GCB Bank Limited
09.2017 - Current

Loans Officer/ ATM Custodian

GCB Bank Limited
02.2015 - 09.2017

Systems Administrator/ATM Custodian

GCB Bank Limited
09.2010 - 02.2015

Master of Business Administration, Finance

Kwame Nkrumah University of Science And Technology

Bachelor of Arts, Economics

Kwame Nkrumah University of Science And Technology

Mfantsipim School

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