Experience

Rasmalah - رسملة

• Saudi Arabia
• Investment Management
• 100 - 200 Employee

• Consultant for Receivership

  • Jan 2019 - Present

  Reconciliation, loan set off, renegotiation and recovery, fixed asset disposal • Offer advisory services to project team on client - related engagements and vendor management • Ensure all loan balances are accurate and reconciled post migration • Liaise with Valuers and Auctioneers to facilitate the disposal of fixed assets • Recover all outstanding loans through renegotiation, sale of collaterals and approved agreements • Manage Loan customer grievances Reconciliation, loan set off, renegotiation and recovery, fixed asset disposal • Offer advisory services to project team on client - related engagements and vendor management • Ensure all loan balances are accurate and reconciled post migration • Liaise with Valuers and Auctioneers to facilitate the disposal of fixed assets • Recover all outstanding loans through renegotiation, sale of collaterals and approved agreements • Manage Loan customer grievances



Heritage bank Limited Ghana

• Ghana

• Branch Manager

  • Dec 2016 - Jan 2019

  Sales, Business Development, Operational risk management and Advisory Service • Proactively grow net Asset and liabilities portfolio in line with agreed targets • Responsible for the branch performance in the achievement of balance sheet targets • New to Bank (NTB) Customer acquisition to increase customer pool by targeting the chosen segment and sectors as prescribed by the retail strategy • Manage the Branch to achieve the desired cost to income ratio by attracting the right customer pools and managing cost elements • Manage all resources in the branch (people and systems) to deliver the objectives as set out this JD • Ensure the bank provides the right customer experience environment by ensuring all staff work towards the achievement of same • Manage and grow portfolio of the branch (Business & Personal Clients) to Ensure the Branch achieves the operational standards and meets or laid down Operational process to be compliant in all aspects of Risk. Show less



UT Bank Limited

• Ghana
• Banking
• 300 - 400 Employee

• • Jan 2014 - Dec 2016

  Sales, Business Development and Advisory Service• Proactively grow net Asset and liabilities portfolio in line with agreed targets• Win new business, supervise account opening and ensure appropriate coding. • Advise customers on management of their funds.• Proactively promote UT Bank range of products/services to new and existing customers. • Responsible for growing branch market share and ensure that all processes and laid down policies are maintained at all times• Quality service delivery and professionalism to achieve high business/client retention.• Regular market analysis for strategy development and product and service positioning.• Ensure that all sales and operational teams are adequately developed, coached and counseled with their daily duties and responsibilities.Transaction Management• Review financials & business analysis in line with standards/procedures, and submit Credit memoranda through Risk/Credit Committee for approval.• Manage proactively, post approval documentation to avoid delays and facilitate early drawing on approved limits [these will include, offer letters/facility agreements/pre-conditions/post-conditions etc]. • Identify all operational problems associated with SME customers’ and liaise with appropriate units/dept in the Bank for efficient and timely resolution and revert to customers.Risk Management • Ensure good credit quality through timely Renewal, Re-negotiation/Recovery, restructuring of delinquent files or timely transfer to Pre/Recovery to avoid increased provisioning.• Monitor market and account portfolio on a regular basis to ensure material adverse developments are identified and resolved in a timely manner. • Manage Operational risk in line with the Process, procedure and Control policy of the bank Show less

• • Sep 2012 - Dec 2016

  Sales, Business Development and Advisory Service• Proactively grow net credit portfolio in line with agreed targets• Win new SME business, supervise account opening and ensure appropriate coding. • Advise customers on management of their funds.• Proactively promote UT Bank range of products/services to new and existing customers. • Increase fee income from SME customers through efficient negotiation & selling practices.

• • Jun 2010 - Sep 2012

  • Lead a group of project analysts to appraise credit requests from new and existing customers, propose appropriate credit structures and make recommendations for approval of credit facilities.• Ensure proper screening / due diligence on all prospective borrowers.• Ensure effective monitoring of Branch’s loan by conducting monthly portfolio reviews on all borrowing accounts to prevent loan delinquencies.• Ensured compliance with approved disbursement conditions (terms, pricing, securities etc) by maintaining close relationship and communication with business units, legal department as well as the Bank’s branches.• Preparation and presentation of branch monthly performance and profitability strategies to management Show less



UT Financial services UK

• United Kingdom
• Financial Services
• 1 - 100 Employee

• project officer

  • Aug 2007 - Jun 2010

  • Responsible for performing evaluation of credit requests for selected SME and personal customers, structure facilities appropriately and make recommendations for approval by upper management. • Preparation and presentation of monthly reports to management on, performing, non-performing and profitability strategies • Monitor market and account portfolio on a regular basis to ensure material adverse developments are identified and resolved in a timely manner. • Ensure compliance through daily audits of transactions Show less