Stephen Frimpong Yeboah

Phone: 424-***-**** Email: ad3mpr@r.postjobfree.com

Professional Summary:

Seasoned banking executive with over 18 years in credit risk management, Project Management, having led as Project Manager, Chief Risk Officer and Head Credit Analyst. Expertise in crafting and implementing resilient risk management strategies, steering cross-functional teams, and staying abreast of market trends and regulatory requirements.

Professional Experience:

Project Manager -Benevolences Industries Inc. (Nov 2021 till Date)

Manage multiple medium, large projects independently

Works with key stakeholders and project team to manage multiple work streams projects.

Develops detailed project management plans and identify project tasks and deliverables

Participate in building business case justification for projects, including financial analysis

Proactively identifies, anticipates and documents potential risks, issues change to project scope

Support and manages RFI/RFP process and adherence to best practice for vendor assessment, scoring methodologies and presentation of solution options.

Manage the project to ensure project scope and execution align with business case and benefit objectives.

Manage and control the project budget, responsible for total project cost projection

Drives and manages the project according to the plans to achieve the desired objectives and delivers the approved scope on- time, within budget, and expected quality.

Chief Risk Officer - Royalty Capital Ltd. (Jan 2020 – Oct 2021)

●Maintained an exceptional Non-Performing Loan (NPL) rate of 5% throughout the period from 2020 to 2021, consistently demonstrating a robust risk management approach.

●Achieved an impressive milestone by expanding the loan portfolio from $1.2million to $75million within the span of three years, from 2020 to 2021.

●Led the development of comprehensive documentation by spearheading the creation of both the risk procedure manual and the credit manual.

●Successfully established the credit risk department from the scratch to acceptable standard.

●Ensured steadfast compliance with all applicable laws, regulations, and industry standards, upholding the highest legal and ethical standards.

●Devised and implemented a comprehensive risk management strategy, bolstering organizational resilience and mitigating potential threats.

Head of Credit – Royal Capital Ltd. (Jan 2016 - Dec 2019)

●Successfully led and managed a team of 35 credit risk analysts, demonstrating effective leadership in overseeing and optimizing credit portfolio analysis.

●Spearheaded a comprehensive review of a $100 million syndicated loan in collaboration with three other banks, ensuring due diligence and sound risk management practices.

●Steered a remarkable expansion of the risk assets portfolio from $25 million to $150 million within a three-year period, demonstrating exceptional financial acumen and strategic risk management.

●Achieved a significant reduction in Non-Performing Loans from 17% to 7.5% over a three-year period, leading to a notable enhancement in profit before tax from $5 million to $25 million.

●Implemented a rigorous training program on credit products and policies for all relationship and branch managers, fostering a culture of sound credit risk management practices.

●Spearheaded the development of a comprehensive suite of personal and retail credit risk products, demonstrating exceptional innovation and expertise in the credit risk domain.

Regional Head of Corporate Banking - Fidelity Bank Ltd. (Jun 2015 - Dec 2015)

●Developed the regional corporate banking strategy that is aligned with the Bank's overall objectives.

●Provided guidance to a team of 15 relationship officers through mentorship, coaching, and training.

●Achieved a 67% surge in regional deposit balance, from $15million to $25million, within a year through a strategic marketing campaign.

●Played a pivotal role in securing a $1.2 billion syndicated reclamation bond for a mining company.

●Cultivated enduring relationships with corporate clients, gaining a deep understanding of their financial needs to deliver customized banking solutions.

Regional Head of Credit - CAL Bank Ltd. (Jan 2011 - May 2015)

●Guided a team of 20 credit risk analysts, ensuring the seamless implementation of credit risk policies for robust risk management practices throughout the organization.

●Remarkably expanded the regional loan portfolio from $1.3 million to $7.2 million within four years, demonstrating exceptional growth and market penetration skills.

●Successfully decreased the Non-Performing Loan (NPL) rate in the region from 12% to 5.2% within a span of four years.

Relationship Manager - CAL Bank Ltd. (Jun 2009 - Dec 2010)

●Drove significant growth in the bank's client base by spearheading the implementation of highly effective prospecting and lead generation strategies.

●Successfully led a team of 10 relationship officers in my designated zonal area, consistently surpassing sales targets and earning industry-leading customer satisfaction ratings.

●Leveraged in-depth market research to craft compelling sales pitches, driving an extraordinary 65% expansion in the client base within a single year.

Relationship Officer - Amalgamated (BOA) Bank of Ghana (Mar 2007 - May 2009)

●Drove the promotion of the bank's services through proactive client acquisition efforts, resulting in a notable 30% expansion of the customer base within a two-year period.

●Achieved substantial growth in deposit balances, increasing from $0.2 million to $1.5 million within a span of two years.

●Successfully elevated profit before tax (PBT) by 15% within a two-year timeframe, demonstrating exceptional financial acumen and leadership expertise.

Senior Loans Officer - Procredit Savings & Loans Ltd. (Jun 2005 - Feb 2007)

●Displayed exceptional analytical and risk assessment skills through detailed loan analysis and due diligence, contributing to well-informed lending decisions that maximized returns and minimized risk.

●Received recognition as the best loan officer in the 2006 financial year.

●Effectively managed a loan portfolio of $1.2 million, maintaining a consistently low Non-Performing Loan rate of less than 2% for a period of two years.

Education

●Master of Business Administration (Finance), Stanton University, CA, July 2024

●Master of Business Administration (Mgmt.), University of Cape Coast, Ghana, March 2013

●Bachelor of Arts in Economics, University of Cape Coast, Ghana, June, 2005

Training/Certification

●Project Management Professional (PMP), July, 2023

●Professional Tableau Desktop Specialist, June, 2023

●Certified Scrum Master1, June, 2023

●Certified Security+, July,2023

●Chartered Banker, Chartered Institute of Banker, Ghana, September, 2016

Technical Skills

●Risk Management, Portfolio Analysis & Reporting, Credit Scoring Models

●Team Leadership Skills, Regulatory Compliance, Credit Policy Development, Financial Modelling & Stress Testing, Windows, Syndicated Lending, Anti-Money Laundering,

●Personal Lending & Advanced Credit Models.

●Strong Verbal and Written Communication, Project Communication

●Excellent negotiation & Interpersonal Skills.

●Excellent Knowledge of various Project Life Cycle Methodologies

●Excellent knowledge of financials/ business systems.

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