EDINAM JUDE DELALORM KWASI
Finance Officer
Columbus,OH
Summary
Proactive Finance Officer with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice.
Overview
13
13
years of professional experience
Work History
Finance Officer
WOYA AFRICA
08.2019 - 02.2023
- Develop financial business plans with detailed benchmarks.
- Established and enforced controls on revenue and expenses to protect company assets.
- Forecasted trends and recommended improvements based on financial risk analyses.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments thereby increasing sales by over 15%
- Identified partnership opportunities and established favorable business connections leading to increased client portfolio by over 30%
- Collaborated with team leaders to define standards, policies and procedures to meet company revenue goals.
- Analyzed financial statements against forecasts to prepare high-level variance analysis
- Spearheaded expansion strategies to increase business market share
- Monitored budget and revenue trends, compiling reports for company leadership to inform decision-making
- Assisted with recruiting, interviewing and hiring new department employees
- Completed filings and upheld strict compliance with regulatory agencies and supervisors
Retail Credit Officer
IDEAL FINANCE LIMITED
09.2015 - 06.2019
- Explained very technical financial information to applicants in easy to understand language.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Helped SME's obtain financial aid through loan programs.
- Assessed loan portfolios for compliance with underwriting policies.
- Optimized credit approval and collection processes, improving operational efficiencies by over 50%.
- Used Microsoft Excel to perform credit appraisals, document verification and loan approvals.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Devised collection recovery strategies to resolve customer issues and delinquent cases
- Assisted customers with completing loan applications and other paperwork
- Monitored pipelines to track and log status of loans
- Identified opportunities to cross-sell and upsell loan products to customers
- Obtained and interpreted financial statements to assist in credit limit reviews
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts
- Recommended approval or disapproval of commercial credit loans
- Evaluated loan requests and documents to verify accuracy and completeness
- Adhered to banking standards and government lending guidelines for loan services
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
Risk Officer
IDEAL FINANCE LIMITED
03.2014 - 08.2015
- Fostered productive business partnerships with team members and outside representatives to benefit personal understanding of risk factors and strengthen influence through positive reputation.
- Implemented financial risk management policies, limits and strategies that complied with standards and strategic imperatives of organization.
- Informed financial decisions by analyzing financial information to forecast business, industry or economic conditions.
Client Relationship Officer
PROCREDIT SAVIGS AND LOANS CO. LTD
12.2010 - 03.2014
- Liaised with over 40 clients per day by phone, email and text messaging to meet client needs and define expectations.
- Shared client's engagement history, culture, organizational structure, competitive landscape and differentiators with new business and account teams.
- Developed relationships with executives to generate ideas and pursue opportunities increasing customer base by 20%
- Monitored, followed-up and escalated cases to meet customer response commitments.
- Created and maintained detailed database to develop promotional sales.
- Promptly responded to inquiries and requests from prospective customers.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Participated in team meetings and training sessions to stay informed about product updates and changes.
- Provided primary customer support to internal and external customers.
Bank Teller
PROCREDIT SAVIGS AND LOANS CO. LTD
09.2009 - 12.2010
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Audited fellow teller currency to contribute to dual-control procedures.
- Logged cashier's checks and other transactions to maintain accurate account records.
- Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Processed customer transactions promptly, minimizing wait times.
- Turned in excess cash to maintain drawer security.
Education
Bachelor of Science - Accounting
University of Professional Studies
Legon, Ghana05.2009
No Degree - Business Education
Mawuli High School
Ho, Ghana07.2004
Skills
- Risk Reporting
- Customer Accounts Management
- Credit Assessments
- Critical Thinking
- Customer Relationship Management
- Report Creation
- Financial Statement Presentations
- Financial Data Analyzation
- Accounts Payable and Accounts Receivable
- Plan Budgets
Accomplishments
- Collaborated with team of 5 in the development Cash backed Loans.
- Achieved a Portfolio at Risk of less than 5% through effectively monitoring and technical rescheduling of Loans.
- Supervised team of 5 staff members.
- Used Microsoft Excel to develop loan repayment tracking spreadsheets.
- Resolved product issue through consumer engagement
Timeline
Finance Officer
WOYA AFRICA
08.2019 - 02.2023
Retail Credit Officer
IDEAL FINANCE LIMITED
09.2015 - 06.2019
Risk Officer
IDEAL FINANCE LIMITED
03.2014 - 08.2015
Client Relationship Officer
PROCREDIT SAVIGS AND LOANS CO. LTD
12.2010 - 03.2014
Bank Teller
PROCREDIT SAVIGS AND LOANS CO. LTD
09.2009 - 12.2010
Bachelor of Science - Accounting
University of Professional Studies
No Degree - Business Education
Mawuli High School
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