Business Development & Capacity Building Expert, Project Management

KOFI NYANSAFO

P.O BOX AN ****, ACCRA - NORTH

024*-******, 050-******* *.********@********.***.**; ****.********@*****.***

Objectives

To be a key provider of financial support services to businesses.

Experience

Ag. Head, Personal and Business Banking March, 2021 to date

OmniBSIC Bank Ghana Limited

Drives the following business of the Bank to achieve to achieve balance sheet and P&L objectives; Commercial Banking Business, SME Banking Business, Private Banking Unit, Workplace Banking Unit, Remittances Unit and the Bancassurance Units.

Prepares Budget and presents Department performance reports in Executive meetings

Provides the strategy for each Unit and monitors the performance in line with the strategy

Lead the team in the closure of all big ticket transactions

Lead negotiations in transactions related to 3rd party institutions that play in Money Transfer (MTOs), Insurance partnerships with the Bank etc.

Directly responsible for the human resource management issues within the department in terms of training, coaching, recruitment, performance evaluation etc.

A member of the following committees: ALCO, MANCO, Management Risk Committee (MRC), Remedial Asset Committee (RAC), Management Credit Committee (MCC) etc.

Deputy Head, Personal and Business Banking September, 2019 to March, 2021- OmniBSIC Bank Ghana Limited

Drives the following business of the Bank to achieve to achieve balance sheet and P&L objectives; SME Banking Business, Private Banking Unit, Workplace Banking Unit, Remittances Unit and the Bancassurance Units.

Lead the team in the closure of all big ticket transactions

Lead negotiations in transactions related to 3rd party institutions that play in Money Transfer (MTOs), Insurance partnerships with the Bank etc.

Directly responsible for the human resource management issues within the Department.

Supports the Head of Departments in the management to deliver on the Key Performance Indicators for the Commercial Banking Unit and the SME Banking Unit.

Deputy Head, Business & Personal Banking January, 2017 – September, 2019 - OmniBank Ghana Limited

Business & Personal Banking:

Managed the branches of the Bank through to achieve financial and non-financial objectives.

Personally reviewed all transactions from the branches and delivered them at Credit Committees or Executive Committee meetings of the Bank for approval.

Undertook a quarterly product review and revenue assurance sections with the Unit heads to ensure no revenue leakages and competiveness of the bank’s products in the industry

Redefined all performance benchmarks of SBUs to have a financial score to drive profitability of the department.

Assisted the Head of Business & Personal Banking to define and prepare the marketing strategy for the Department

Assist the Head of Business in preparing for Management and Board Review sections on Business Performance.

Alternative Channels (Mobile Money, Mobile Banking, E-Banking & Cards), Remittances & HCS:

Had a direct responsibility for the performance of the BDMs in the space to ensure set KPIs are achieved consistently.

Spearheaded the development of new marketing strategies and products to drive the KPIs and create competitive parity.

Lead the team to close transactions that drives the card business, mobile money and remittances volumes.

Business Development Manager (BDM), Personal Banking, May, 2017 – December, 2017

OmniBank Ghana Limited

Reviewed and recommended for approval the new Personal Banking Structure for OmniBank

Developed all the Personal Banking Products and ensured the branches delivered on the sales objectives.

Set up the Private Banking Unit for the Bank and managed it to ensure KPIs were driven.

Developed the framework for Controller Loans Business for the Bank.

Chief Operating Officer, May 2015 – March 2017

Elite Minerals Ghana Limited

Managed the staff and ensured monthly production targets of 30kg were achieved after six months in office.

Managed the general operations of the company in the areas of:

1. Personnel Management

2. Finance, Budgeting, Strategy and Planning

3. Mining operations

4. Procurement & Logistics management.

Managed the company’s relationships with its partners i.e. Suppliers (OMCs, Mantrac Ghana Limited, HMD Limited etc.), Banks, Off-takers – L’Ofebre S.A, other equipment and vehicle Dealerships etc.

Managed the relationship between the company and regulatory bodies (i.e. Minerals Commission, EPA. Local Assemblies, Ofori Panin Fie - Okyenhene's Palace etc.) to ensure compliance to regulations and peaceful co-existence with communities.

Instituted a bonus system that was responsible for production levels

Manager, Vehicle & Asset Finance (VAF), October 2013 – April 2015

Stanbic Bank, Ghana

Achieved the yearly targets for Business VAF for Stanbic Bank through the closure of business transactions (Business Development) for the channels to book.

Lead discussions on the acquisition of all big ticket VAF transaction deals by both the Commercial and the SME Team.

Jointly Managed the Bank’s relationship with High Value Clients within the VAF space with the assigned RMs.

Undertook business development on the Caterpillar Finance (CATfin) Project in Stanbic Bank and ensured Group Targets (from Unatrac and Standard Bank, South Africa) were met.

Reviewed all Caterpillar Finance and VAF Transactions and recommend for approval or otherwise.

Represented Ghana in the quarterly CATfin business reviews by the Standard Bank Group.

Account Executive, Commercial Banking – November, 2011 – September, 2013

Stanbic Bank, Ghana

Provided a wide and diverse range of financial solutions to meet the financial needs of high value commercial customers in the Bank.

Generated new leads and regularly analyse customer data to increase wallet size through additional business opportunities in order to meet set targets for the year.

Performed a proactive liaison role between customers and back office service teams (treasury, operations, IT, Credit Administration etc.) to provide solutions to customers.

Managed the Account Analyst to ensure that work standards and quality work output targets set are achieved and maintained

Senior Relationship Manager, Medium Enterprise – March, 2007 – October, 2011

Standard Chartered Bank, Ghana

Managed and maintain a cordial and profitable relationship with a portfolio of Premier SME businesses.

Sourced for new customers/deepen existing relationship through the increment in bank product/customer ratio, utilisation etc.

Undertook a complete evaluation of credit request from both new and existing customers to determine the need, ability and willingness to repay etc.

Anticipated difficulties in business/account operations of customers and report per policy framework

Ensured a healthy portfolio growth that meets set P & L and balance sheet targets year on year

Reviewed all credit applications from the Upcountry Team (from RMs & Business Analysts) to ensure all risk issues are covered prior to consideration and approval by Credit Risk Management Team.

Personally prepared all big ticket deals for approval by the Credit Risk Management Team.

Credit Services Manager – January, 2006 – February, 2007

Standard Chartered Bank, Ghana

Managed the Credit Analyst Team and reviewed all credit applications to ensure they are of acceptable quality and conforms to SCB SME Credit Policy and Product guidelines.

Processed high value credit applications for approval by the Credit Evaluation Team.

Key member in the development and launching of new products (Express Trade, UWS, Business Installment Loans etc.), modification and renewal of SME Asset Product Documents to ensure their conformity to the local business environment and SCB Group SME Credit Policy

Ensured a healthy SME Asset Portfolio with a NBD < 7% (through the review of excesses, past due trade and instalment loans, expired facilities etc.)

Undertook a daily tracking of Credit Applications to ensure they are actioned by the Credit Risk Department according to the agreed Service Level Agreement (SLA)

Prompted BRMs on issues related to portfolio quality (i.e. excesses, past due trade and instalments, continuing conditions for customers, impending breach of triggers etc.) for follow-ups.

Relationship Manager, Corporate Banking - March 2005 – December, 2005

CAL Bank Limited

Managed a portfolio of corporate customers to maximize revenue on the portfolio through increase in wallet size.

Marketed for new customers to grow the portfolio

Undertook Credit evaluation of corporate clients to establish their credit needs in relation to business operations

Processed credit applications for presentation and approval by Credit Committee

Established a professional relationship with clients to address complains, meet needs and to ensure prompt repayment of facilities granted

Deputy Branch Manager (Kaneshie Branch) - Jan. 2004 – Mar. 2005

ProCredit Savings & Loans Co. Ltd

Chaired Credit Committees for the approval of both Micro and SME (MSMEs) credit request per branch limit or recommended for approval by Head of Credit.

Ensured a healthy loans portfolio quality of less the 5% default rate at the branch.

Managed a team of ten (10) Loan officers and ensured the adherence of their work to Credit policy and achievement of set sales targets on monthly basis.

Undertook regular liquidity planning and management

Did a daily check on transactions after close of day.

Monitored the performance of both cashiers and Client Service Officers to ensure deposits mobilization targets are achieved and customers are outserved.

Consultant / Lecturer - July 2001 – December 2003

Graduate School of Management, Abidjan – La Cote D’Ivoire

Member of a team of Consultants responsible for setting up the framework for an English Professional Training Centre, in Abidjan that offers first degree, masters and professional qualifications in partnership with ICM and Leicester University, UK

Lectured students in the post establishment stage of the project.

Skills & Competencies

Business Development and Management Expert

Business and Credit Risk skills

Relationship Management skills

Project Management skills

Exceptional skills in Team Management

Fair knowledge of spoken French

Education

University of Ghana, Ghana

1999 B.Sc. Administration (Banking & Finance Option)

University of Ghana, Ghana

2001 M.A. International Affairs

Kwame Nkrumah University of Science & Technology, Ghana

2020 ( Awaiting Graduation) Master in Business Administration (MBA)

Achievements:

Set up and Managed the Retailed Banking Units in OmniBSIC and SME Banking Unit in CAL Bank in 2005.

Setup and managing the Private Banking Unit in OmniBank/OmniBSIC – 2017 till date.

Developed and managed the following products in OmniBank; Mortgages, Vehicle and Asset Finance, Controller Business etc- 2018

Solely Managed the Caterpillar Finance Business in Stanbic Bank and made it the 2nd best in Africa behind Nigeria between 2013 and 2015.

Part of the team that set-up the first English Tertiary Institution in La Cote D’Ivoire which is Graduate School of Management in 2002 (https://www.gradsm.net )

References

Mr. Stanislaus Deh,

Head – PBB Trade and Products, Stanbic Bank, Ghana,

P.O. Box CT 3244, Cantonment - Accra

Tel no.: (020-*******, 024*-******),

E-mail: *******@*****.***

Relationship: Line Manager

Ebow Quayson,

Head, E-Banking, ADB Bank,

Tel. 020*******

E-mail: ***********@*****.***

Relationship: Line Manager

Benedict Obeng,

Head, New Markets,

Tel no.: 054***-****;020*******,

E-mail: ********@*****.**.**

Relationship: Colleague

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