William Ansah
Accra
Summary
Dynamic professional with extensive experience in risk appraisal and sales management at Affinity Ghana Savings and Loans. Expertise in credit analysis and market research, effectively mitigating financial risks and enhancing client relationships. Strong leadership and problem-solving skills drive successful outcomes in challenging environments. Proven ability in training and mentoring, fostering a culture of hard work and commitment.
Overview
15
15
years of professional experience
Work History
Recovery/Risk Appraisal
Affinity Ghana Savings and Loans
Accra
04.2022 - Current
- Provide sound identification of risk for proposals within acceptable risk parameters
- Identification and assessment for credit applications for individuals and business loans
- Monitor, identify and mitigate risks inherent in clients' businesses
- Monitoring loan portfolio to ensure its growth and quality
- Review and recommend credit applications in line with the credit policy
- Research into the economic, business, regulatory and legal environment of clients' businesses
- Sound knowledge of credit analysis within personal and retail banking
- Evaluate clients' applications to ensure they meet the acceptable risk parameters
- Balance approach towards risk and reward with effective risk mitigation as opposed to risk minimization
Sales Manager, Retail
Payflex Microfinance Company
Accra
01.2020 - 03.2022
- Market the products and services of the bank to potential clients
- Set performance targets and aim to achieve those targets
- Monitor and track branch retail sales activities
- Review of credit appraisals of all loan applications by retail officers
- Tasked to mount sales strategies to grow the cash center deposit portfolio
- Management of assets and liabilities portfolios of the retail unit of the branch
- Help in all assignments relating to audit investigations
- Identify and minimize business and financial risks in clients' businesses
- Mentor and coach new officers in the branch to increase their capacities
- Follow up and recovery of impaired risk assets of the branch
Relationship Manager
Chrisline Financial Services
Tema
01.2016 - 12.2020
- Market the products and services of the bank to prospects
- Management of assets and liabilities portfolios
- Monitoring and management of loan and deposit customers
- Identifying clients' needs and propose new products and services
- Appraisal of clients' businesses and presentation to credit committee for the approval of their loan request
- Giving financial advice to clients and how to increase their capacity
Client Relationship Officer/Deposit Officer
Solidario Microfinance
Accra
08.2012 - 12.2015
- Organized prospection and communication actions in the zone of intervention
- Introduced loan products and services to prospective clients
- Identified clients' needs and propose new products and services
- Presented the loan request by the client at the loan committee for approval
- Monitored the loan portfolio and to follow up for timely repayment
- Organized recovery actions in case of late repayment
- Appraisal of clients' businesses and presentation to credit committee for the approval of their loan request
- Given financial advice to clients in relation to their businesses
- Selling product and services of the bank
- Assisted in the opening accounts for potential customers
- Assisted in dealing with clients inquiries and complains
- Helped in the review of payment vouchers
Farm Supervisor
Afariwa Farms
Accra
07.2010 - 07.2012
- Implemented protocols for controlling parasites in livestock populations.
- Monitored livestock health and informed ranch manager of issues.
- Performed routine maintenance on equipment used for herding or housing livestock.
- Monitored weather conditions for potential impacts on crops or livestock health.
- Provided routine care for livestock including feeding, watering, herding, branding, castrating .
- Monitored livestock for signs of illness or injury.
- Kept detailed records of crop production, livestock health, and equipment maintenance.
Education
Accounting -
New-York Institute of Finance
01.2023
Certificate in Credit Risk Management -
New York Institute of Finance
01.2023
Certificate in Customer Service Management -
Ghana Banking Collage
01.2019
Certificate in Insurance -
Ghana Insurance Collage
01.2014
Marketing -
Accra Technical University
Accra07.2010
WASSCE -
WBM Zion Secondary School
06.2005
Skills
- Management
- Market research
- Problem solving
- Interpersonal skills
- Time management
- Leadership
- Livestock management
- Sales strategies
- Regulatory compliance
Hobbies and Interests
- Art
- Reading
- Sports
- Music
Timeline
Recovery/Risk Appraisal
Affinity Ghana Savings and Loans
04.2022 - Current
Sales Manager, Retail
Payflex Microfinance Company
01.2020 - 03.2022
Relationship Manager
Chrisline Financial Services
01.2016 - 12.2020
Client Relationship Officer/Deposit Officer
Solidario Microfinance
08.2012 - 12.2015
Farm Supervisor
Afariwa Farms
07.2010 - 07.2012
Accounting -
New-York Institute of Finance
Certificate in Credit Risk Management -
New York Institute of Finance
Certificate in Customer Service Management -
Ghana Banking Collage
Certificate in Insurance -
Ghana Insurance Collage
Marketing -
Accra Technical University
WASSCE -
WBM Zion Secondary School
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