Professional with strong background in credit analysis and financial support. Adept at evaluating credit applications, managing customer accounts, and ensuring financial compliance. Known for effective team collaboration and delivering impactful results. Highly flexible with changing needs, skilled in financial software, and strong in communication and problem-solving.
Hi, I’m
MOHAMED JALLOH
ALDAN,PA
Summary
Overview
18
years of professional experience
Work History
Union Trust Bank Limited
Credit Assistant Manager
03.2019 - 06.2025
Job overview
- Processed credit applications, ensuring compliance with internal policies and regulatory requirements.
- Conducted thorough credit investigations to assess applicant creditworthiness and financial stability.
- Collaborated with loan officers to streamline communication and improve application turnaround times.
- Maintained accurate records of all credit transactions within the bank's database systems.
- Assisted in developing training materials for new staff on credit processing procedures and software tools.
- Led initiatives to enhance customer service by addressing client inquiries regarding credit products effectively.
- Analyzed trends in credit data to identify opportunities for improving lending practices and risk management strategies.
- Mentored junior staff, providing guidance on best practices in credit assessment and decision-making processes.
- Delivered diverse departmental administrative support to personnel.
- Uploaded completed applications to appropriate credit system.
- Expedited turnaround times for critical reports by utilizing advanced data analysis techniques such as trend evaluation and forecasting tools.
- Reduced loan delinquency rates through diligent monitoring of credit accounts and timely follow-ups with clients.
- Ensured compliance with company policies and industry regulations while approving or rejecting lines of credits based on established guidelines.
- Boosted efficiency within the department by identifying process improvement opportunities and implementing appropriate changes.
Union Trust Bank Limited
Credit Supervisor
03.2014 - 02.2019
Job overview
- Supervised credit assessment processes to ensure compliance with regulatory standards.
- Led team in evaluating loan applications, improving turnaround time by streamlining procedures.
- Analyzed credit reports and financial statements to identify potential risks and recommend solutions.
- Reviewed and approved high-value loans, ensuring adherence to established risk thresholds.
- Collaborated with senior management to revise credit approval guidelines, aligning with market trends.
- Assisted with reconciliations and customer communications.
- Expedited the credit approval process, enabling faster turnaround times for customer applications.
- Negotiated payment arrangements for delinquent accounts, improving cash flow and reducing writeoffs.
Union Trust Bank Limited
Credit Officer
05.2012 - 02.2014
Job overview
- Evaluated credit applications to determine risk and compliance with bank policies
- Analyzed financial statements and credit reports to assess borrower eligibility
- Conducted regular audits of loan documentation to ensure accuracy and completeness
- Collaborated with clients to gather necessary information for loan processing
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
Union Trust Bank Limited
Supervisor
03.2010 - 04.2012
Job overview
- Oversaw daily operations, ensuring compliance with safety standards and company policies.
- Trained and mentored staff, fostering a culture of continuous improvement.
- Streamlined workflow processes, enhancing overall operational efficiency.
- Improved customer satisfaction with timely response to inquiries, addressing concerns, and finding effective solutions.
- Overseeing daily operations including cash handling and customer service.
- Examining, evaluating, and processing loan applications.
- Promoting and selling bank products and services to attract new customers
- Joint custodian of the branch's vault.
- Managed inventory control systems, optimizing stock levels and reducing waste.
Union Trust Bank Limited
Banking Officer
07.2009 - 02.2010
Job overview
- Managed customer accounts, ensuring compliance with banking regulations and policies.
- Oversaw daily branch operations, optimizing workflow and improving service delivery.
- Assisted clients with various banking needs including account openings, loan applications, and financial planning advice.
- Analyzed customer profiles to identify appropriate products and provide value-added approaches to client issues.
- Played a critical role in driving successful audit results through diligent record-keeping practices.
- Handled large transaction volumes accurately, maintaining high levels of operational excellence within the branch.
- Increased customer satisfaction by providing timely and accurate banking services.
- Provided exceptional customer service, resulting in a high retention rate among existing clients.
- Managed risk effectively by monitoring account activity and conducting thorough customer due diligence.
- Managed and opened over five thousand checking, saving and line of credit accounts.
Union Trust Bank Limited
Corporate Banking Customer Service Officer
03.2008 - 06.2009
Job overview
- Managed customer inquiries and resolved issues efficiently, enhancing client satisfaction.
- Developed and maintained strong relationships with corporate clients to foster loyalty and retention.
- Analyzed customer feedback and implemented solutions to improve service quality and operational efficiency.
- Processed banking transactions such as deposits, withdrawals, loan payments, and money transfers.
- Assisting customers in opening, closing, and managing their bank accounts.
- Maintaining and updating customer records and banking documents.
- Presented new and additional products and services to existing customers.
- Reconciled customer accounts and balanced daily transactions.
- Keyed customer contact information and payment data into system carefully observing corporate confidentiality procedures.
- Interviewed customers to obtain information needed for opening new accounts or renting safe-deposit boxes.
Africare Sierra Leone
Assistant Accountant
06.2007 - 12.2007
Job overview
- Prepared monthly financial statements and reports to ensure timely and accurate financial analysis.
- Managed accounts payable and receivable processes to maintain cash flow efficiency.
- Assisted in budget preparation and forecasting to support organizational financial planning.
- Conducted reconciliations of bank statements and general ledger accounts for accuracy.
- Reviewed general ledger entries and assessed accuracy.
- Assisted with timely month-end closing procedures, resulting in accurate financial reporting.
- Reduced invoice processing time with efficient data entry and verification of accounts payable transactions.
Education
Fourah Bay College, University of Sierra Leone
Bachelor of Social Sciences With Honours from Accounting
01.2007
University Overview
GPA: Second Class First Division
Africa Geo Computer/ Vocational Training Center
Certificate from Computer Software
01.2003
University Overview
GPA: Distinction in Basic Literacy and Credit in Microsoft Word & Excel
Prince of Wales SchoolKingtom, Freetown Sierra Leone
from Business Administration And Management
07-2003
University Overview
Skills
- Credit reporting
- Credit analysis
- Cash flow analysis
- Relationship management
- Financial statement analysis
- Portfolio management
- Debt management
- Customer and client relations
- Excel spreadsheets
- Documentation review
- Collateral evaluation
- Banking operations
Accomplishments
Accomplishments
- Reduced DSO (Days Sales Outstanding) by 25% within 12 months by implementing a structured collections process and automated follow-ups.
- Decreased bad debt write-offs by 60% by strengthening credit policy and risk evaluation procedures.
- Recovered over $2,000,000.00 in delinquent accounts through enhanced negotiation strategies and third-party collections coordination.
- Ensured 100% compliance with Central Bank Prudential Guidelines, and internal audit standards during five consecutive audit cycles.
Languages
English
Professional Working
Timeline
Credit Assistant Manager
Union Trust Bank Limited
03.2019 - 06.2025
Credit Supervisor
Union Trust Bank Limited
03.2014 - 02.2019
Credit Officer
Union Trust Bank Limited
05.2012 - 02.2014
Supervisor
Union Trust Bank Limited
03.2010 - 04.2012
Banking Officer
Union Trust Bank Limited
07.2009 - 02.2010
Corporate Banking Customer Service Officer
Union Trust Bank Limited
03.2008 - 06.2009
Assistant Accountant
Africare Sierra Leone
06.2007 - 12.2007
Africa Geo Computer/ Vocational Training Center
Certificate from Computer Software
Fourah Bay College, University of Sierra Leone
Bachelor of Social Sciences With Honours from Accounting
Prince of Wales School
from Business Administration And Management
Hobbies and Interests
Hobbies and Interests
Reading, Writing, Drafting, Research and SportAdditional Information
Additional Information
Training Course on IFRS9 Financial InstrumentsSimilar Profiles
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