Sales, Marketing, Retail Banking

JEFFREY ODAME YEBOAH

Private Mail Bag, Accra, Ghana Mobile: +233-*********

Email: **************@*****.***

PROFESSIONAL PROFILE

A motivated professional with over 13+ years of experience in Sales and Business Development, Branch operations, Digitization of systems, administration and client relationships. Adept multitasker able to handle a number of cash management projects with professionalism and accuracy. Acknowledged for sound decision-making, customer orientation, “big-picture” vision, and a pragmatic self-starter who knows how to get results with proven track record and familiar with office administration and management. Currently looking forward to obtain a full time senior position with a growing organization, where my enhanced skills, potential and sense of obligation will be able to fulfilling the goals of the organization.

AREAS OF EXPERTISE

Retail Banking & Operations Management

Product Digitization & Technology

Strategic Sales Management

Business Development

SME Banking

PROFESSIONAL EXPERIENCE

UMB BANK GHANA, Accra

Head, Personal Banking 2019 - current

Head, Personal Banking/Ag. Head, Business Banking 2017 – 2019

Generate and develop businesses and ensure overall competitiveness of all branches in the respective markets, and optimal utilization of resources to achieve desired profitability.

Formulate and implement the Bank's overall Retail Banking strategy and ensure a bank wire culture that emphasizes a strong marketing and profit orientation.

Serve as Head of sales and marketing strategies across 36 branches with business supervision of 33 Branches and 3 SME Centers.

Initiate action for business acquisition for the development of business banking portfolio and spearhead the marketing effort to grow the portfolio both in terms of volume and value.

Initiate action to develop relevant products to drive Business Banking business to achieve targeted revenue as well as meet customers’ needs in line with the market trends and UMB’s overall business strategy and direction

Identify new markets/product opportunities and act as a liaison between the bank and third parties.

Complied with the bank operations and security procedures by participating in all dual-control functions, maintaining customer traffic surveys, auditing other tellers’ currency, and assisting in certification of proof.

Assisted the branch operation by supporting the business to identify areas of operational risk exposure and by developing and implementing corrective action.

Ensure optimum performance across all branches through 4 Zonal Managers and all Business support sectors work within signed Standard level agreements (SLA’S).

Build a healthy BB clientele ensuring that all customer credit requirements are processed in line with approved Credit Policy.

Achievements

Successfully headed 33 branches and its implementation of developed Strategies and policies to build strong foundation.

Oversaw portfolio Management of over GHS 800 million in assets and liabilities, and drove revenue and Performance Management across the network.

Developed strategies, objectives, plans, financial budget and other support systems (operating manuals, standard operating procedures, etc.) including monitoring mechanisms in managing Business Banking (BB) across all UMB’s branches.

Selected as first aspiring candidate for UMB Drive (Management Competency Development Program)

Set up SME Clinics across the country for Business Banking customers.

UMB GHANA, Accra June, 2014 – June, 2017

Head, Personal Banking

Drive and managed the profitable delivery of a proactive, value – adding sales and service platform in the personal Banking environment in order to grow and retain high- value customers.

Reviewed all lending requests to ensure compliance and recovery and formulated strategies for the department to achieve Bank-wide growth.

Managed Branch Sales and Marketing initiatives to ensure growth and profitability and headed and managed the Sales Team (Client Acquirers’) bank wide.

Oversaw preparation and implementation of Product Strategies in collaboration with Marketing & Communications department.

Coordinated and managed all Sales and Marketing activities of the Bank with regards to Retail Banking, and developed both Asset and Liability Products for the Bank.

Responsible for management and performance of Relationship Managers and portfolio of accounts in assigned sectors and marketing for new business.

Participated in departmental meetings aimed at sharing information and building interdisciplinary collaboration within and outside the department.

Arranged visits to customers’ and ensured that Relationship Managers (RM’s) maintained regular contacts with all customers in assigned portfolio.

Kept up to day with the bank’s products suite and marketing campaigns to ensure superior product knowledge.

Achievements

Developed customer satisfactory goals and coordinated with team to meet them on a steady basis.

Attained and exceeded objectives for revenue target and developed new customer relationships adhering with set guidelines.

Conformed to entire Client Due Diligence (CDD) needs for the bank for prospective and existing clients, and established good business relationships with existing customers and market for new businesses.

FBN BANK GHANA (FIRSTBANK OF NIGERIA) November, 2011 - November, 2014

Ag. Head, Retail Banking

Formulated and implemented the Bank's overall Retail Banking strategy and responsible for the performance management and supervision of nine (9) branches in-country.

Generated and developed businesses and ensured overall competitiveness of all branches in the respective markets, and optimal new business via sales promotion, out-marketing calls, presentations and seminars.

Developed products and services targeted at identified and visible segments of the retail market to achieve bank's dominant positioning in the market.

Supported and supervised business development and relationship management activities of Retail Cluster Heads and Branch Managers.

Liaised with real estate developers on behalf of the Bank and built a strong business relationships

Organized joint programs with Real Estate developers to meet business objectives and developed products to drive the mortgage business in conjunction with real estate developers.

Signed of Schemes and SLA (Service level Agreements) with customers and service providers.

Grew the Retail Banking Group's market share of relevant business in line with targets set by the Bank's Management.

Achievements

Providing strategic leadership and direction for the Bank's Retail Banking sector towards the realization of the Bank's objectives and goals.

Set up Mortgage Banking Department and Personal/Auto Loans Department and implement financial strategies to maintain security and optimum value for money.

GHANA HOME LOANS (GHL BANK), Accra June, 2008 – October, 2011

Origination/ Closing Analyst

Provided advisory services on how to plan to take a mortgage, cash flow projections, liquidity, insolvency etc.

Carried out Loan Origination and Closing Mortgage deals for disbursement and monitoring

Managed Real Estate developers and provided Training for Interns.

Provided advisory services to real estate developers with respect to valuations, surveys, title issues and documents among others

Maintained a cordial relationship with Developers and Corporate clients and carried out Credit Evaluation processes; Capacity, Creditworthiness and Collateral

Oversaw verification of Identities and Addresses to conform to KYC standards.

Supervised Business Development and Sale of Mortgage Products.

Supervised Disbursement and Closing of Loans and development of a system of vendor investigation.

TIGO GHANA LIMITED, Accra Oct, 2007 – January, 2008

Call Centre Executive

Performed all aspects of customer service satisfaction, including answering busy multi line phone system, coordinating special promotions, and providing detailed information for various products.

Resolved billing questions and disputes, made customer call backs / follow – ups, and performed data entry.

Responded positively to customer’s enquiries and resolved issues relating to complaints.

Marketed TIGO products and services to customers / public and persuaded them to stay with TIGO in order to enable maintain and exceed its markets share.

Researched relevant marketing information from customer’s complaints in order to improve the quality of TIGO products and services

Called existing customers to ascertain pertinent information relevant to their accounts.

Took customer complaints, investigated thoroughly, resolved promptly and responded appropriately.

GHANA PORTS AND HARBORS AUTHORITY, Accra November, 2006 – Sept, 2007

National Service Personnel

Maintained a position of trust and responsibility by keeping all business confidential.

Provided full administrative and logistics support dealing with enquiries from all staffs and employees in a courteous and professional manner.

ACADEMIC QUALIFICATION

UNIVERSITY OF GHANA BUSINESS SCHOOL, Accra 2015

Masters in Marketing Strategy

UNIVERSITY OF GHANA, Legon 2006

Bachelor of Arts in Psychology with Philosophy (First Class Honors)

PRESBYTERIAN BOYS SENIOR HIGH SCHOOL (PRESEC) 2000

SSSCE

COMMITTEE MEMBERSHIP – UMB BANK

Member of Credit Committee

Member of Service Council

Member of Operations Committee

Member of Assets, Liability Committee (ALCO)

Member of Projects Committee

Member of Product Development Committee

Member of KPI Formulation Committee

Member of Innovation Committee

Member of Early Alert Committee (Critical Assets)

Member of Innovation Committee

Trained Talent Assessor (Assessment Centers)

Introduction to Cyber Security – CISCO Network Academy

Data Science and Agile Systems for Product Development

BUSINESS ADVISORY

Industry Advisor : Guide Point -UK

Honorary Member – Advisory Board –Blue Crest College Ghana

Founder – Kalm Centre Ghana (Psychotherapy and Stress Management Consulting)

TECHNICAL SKILLS

MS OFFICE (WORD, EXCEL, POWER POINT), POWER BI, GENIE DE BANCA, VISION BI

COMPLAINT MANAGEMENT SYSTEM (CMS),

Valid Driving License – License “B”

REFERENCES

Samuel Sakyi-Hyde

Director – Consumer Banking

UMB Bank – Ghana

Tel: +233-*********

Felix Awuku

Director – Banking Operations

UMB Bank –Ghana

Tel:+233-*********

Strategy Formulation & Implementation

Business Process Digitization

Client Relationship Management

Team Management & Leadership

Quality Control /Assurance

ON-GOING SELF –DEVELOPMENT COURSES

Contact this candidate