Winfred Larweh
Summary
Dynamic Credit Officer with a proven track record at Pan-African Savings and Loans Company, adept at portfolio growth and delinquency management. Excelled in relationship building and complex negotiations, consistently achieving targets. Skilled in analyzing financial data and leading teams, demonstrating exceptional time management and sales abilities.
Overview
12
12
years of professional experience
Work History
Credit Officer
Pan-African Savings and Loans Company
04.2017 - Current
- Build and maintain portfolio of quality client rapidly and consistently to reach target portfolio within assigned period.
- Assess credit worthiness of prospects, ensuring all approved prospects comply with credit policies and guidelines
- Ensuring all approved prospects comply with credit policies and guidelines.
- Ability to analyze cash flows, leverage, collateral and customer strength.
- Evaluating prospects' credit data and financial statement in order to determine the degree of risk in approving them
Deposit Mobilization Officer
Pan-African Savings and Loans Company
07.2013 - 03.2017
- Selling and cross-selling range of deposit and loan products to prospective and existing clients.
- Ensuring accuracy of information,
- timely submission of bank forms and document used to capture customer information, , especially account opening form, KYC form and mandate form.
- maintain accurate records of all sales activities carried out.
Education
MBA - Accounting And Finance
University of Professional Studies Accra (UPSA)
06-2024
BBA - Business Administration
University of Professional Studies Accra (UPSA)
05-2010
Skills
- Sales Team player
- Time management skills
- Delinquency Management
- New Business deals
- Relationship Building
- Complex Negotiations
- Presentations & Proposals
- Closing Strategies
- Lead Qualification
Accomplishments
▪ Consistent disbursement of not less than GHC100,000 month on month in 2020
▪ Average disbursement of GHC300,000 per month winning the star of the quarter award in 2021 and 2022 respectively.
▪ Increased portfolio size to GHC1,715,334, 170 clients and PAR of 9% in 2022.
▪ Ability to execute deals with speed whilst maintaining healthy loan quality.
▪ Demonstrated an unwavering commitment to customer service, adding new customers while maintaining premium
service levels with existing accounts.
- Increased the loan portfolio size to GHC959,077.33 this represents 100% of a target of GHC956,892 in 2019
Timeline
Credit Officer
Pan-African Savings and Loans Company
04.2017 - Current
Deposit Mobilization Officer
Pan-African Savings and Loans Company
07.2013 - 03.2017
MBA - Accounting And Finance
University of Professional Studies Accra (UPSA)
BBA - Business Administration
University of Professional Studies Accra (UPSA)
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