- Reading self help books personal reflection
- Traveling to know new places
- Music
JOSEPH GYEDU WILLIAMS
Moncton,NB
Summary
The pre-requisite of a successful member of every organization is a person with integrity, flexibility and ease of adapting to our ever-changing environment, an effective team player and a highly versatile individual with the eye of looking for new ways of doing things and these are the core values that define my work culture. I have had extensive experience in Business Development as Senior Corporate Relationship Manager (Deputy to Head, Corporate Banking), Group Head, Retail & SME Banking and currently Regional SME Head for East Africa (Kenya, Uganda & Tanzania) & Ghana. I also served as Head of Credit Analysis for 5 years which brings a lot of versatility in my appreciation of Business and Risk Management ensuring a balanced situational analysis. I have good communication and presentation skills and pay attention to details. I am a strong advocate of teamwork with its associated power and influence through effective synergy.
Overview
20
20
years of professional experience
Work History
REGIONAL SME HEAD - EAST AFRICA & GHANA
BANK OF AFRICA GROUP (PAN AFRICAN SOLUTIONS & SER)
01.2024 - 03.2025
- Streamlining SME business structures in the Region
- Supporting product development initiatives within the Region
- Training of SME Heads and Officers on Group strategies, products and sales strategies.
- SME Market surveillance and designing strategies with the Banks on dealing with the markets.
- Analyzing performance trends of the Banks within the Region and developing action points to correct gaps
- Supervising and monitoring key Group initiatives on the SME segment as and when to be implemented.
- Undertaking periodic business missions across the countries to reassess and support performance and structural issues and client visitations.
GROUP HEAD, RETAIL & SME BANKING
BANK OF AFRICA GHANA LIMITED
06.2022 - 12.2023
- - Drive strategic initiatives for the Retail & SME Segments of the Bank.
- Develop action plans towards achievement of commercial targets.
- Involvement in product development for the Retail & SME Segment.
- Human Resource development and allocation across the Bank’s branch network
- Developing Budget for the Retail & SME Segments
- Analysis of performance indicators for significant deviations and prescribing action plans for corrections.
- Participate in client visitations.
- Participation in the Credit Process.
- Participation in Regional Strategic meetings
- Participation in Regional projects as may be relevant to the Retail and SME space.
HEAD, CREDIT ANALYSIS DEPARTMENT
BANK OF AFRICA GHANA LIMITED
10.2017 - 05.2022
- Provides the credit input into the Bank's overall business strategy and drives the credit implementation plan from year to year.
- Reviews and signs off all credit files to ensure that all credit decisions are consistent with the Bank’s credit policy and in line with regulatory guidelines to prevent penalties and reputational damage.
- Makes credit decisions based on the sound credit regulations and policies of the bank.
- Coordinates the Local Credit Committee, presents risk assessments on credit files, and serves as the committee's secretary, recording approval conditions and other business ensuring collective high-level credit decisions.
- Initiates review of the bank’s credit policy and credit product policy to ensure that they are in line with BOG‘s latest regulations and abreast with developments in the banking industry.
- Provides compliance reports in line with regulatory framework to the Compliance Department.
- Monitors the environmental factors that impact credit decisions and makes recommendations as required to reduce the effect of these factors to safeguard the interest of the bank.
- Monitors the financial conditions, operating trends and trade history of clients or changes in their businesses which could affect the Bank's risk exposure.
- Develops and facilitates credit training for Credit Analysts and the SBUs to address identified training needs and upgrade their knowledge on new developments in the market.
- Signs-off on all offer letters from the Legal Department after credit approvals to serve as a final credit check.
DEPUTY HEAD, CORPORATE BANKING
BANK OF AFRICA GHANA LIMITED
04.2013 - 09.2017
- Managed budgets and allocated resources effectively to support business initiatives towards growth.
- Served as a mentor for new staff and assisting them to familiarize themselves with policies and procedures and sales strategies.
- Built strong relationships with clients in improving uptake of bank's products
- Manage client portfolio towards growth of deposits and assets for the business unit.
- Prepare credit files towards approvals based on clients credit needs
SNR. RELATIONSHIP MANAGER
BANK OF AFRICA GHANA LIMITED
02.2009 - 03.2013
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
- Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
- Maintained knowledge on banking products and distribution to provide optimal service support.
CREDIT OFFICER
BSIC GHANA LIMITED
06.2008 - 01.2009
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Adhered to banking standards and government lending guidelines for loan services.
RELATIONSHIP OFFICER
GUARANTY TRUST BANK GHANA LIMITED
10.2006 - 05.2008
- Monitored, followed-up and escalated cases to meet customer response commitments.
- Maintained and built close relationships with customers through regular contact and visits.
- Liaised with clients by phone calls and emails to meet clients needs and expectations.
- Facilitated meetings and discussions between clients towards promoting value chain opportunities.
- Collaborated with cross-functional teams and departments to develop new products and services for the bank''s clients.
AUDIT OFFICER – NATIONAL SERVICE
VOLTA RIVER AUTHORITY
09.2005 - 08.2006
- Participated in the preparation of audit plans for missions within the various departments and locations of the company.
- Participated in comprehensive audits for various departments and locations, ensuring compliance with regulatory requirements of the company.
- Participated in preparation of audit reports for missions conducted under the supervision of the Team Leader.
- Participated in Audit exit meetings to discuss initial findings and recommendations.
Education
ACCA -
04.2025
Chartered Institute of Credit Management
Accra, GhanaMBA (Finance) -
GIMPA
07.2013
BACHELOR OF COMMERCE - 2nd Class Upper
Univ. of Cape Coast
06.2005
BUSINESS STUDIES -
POPE JOHN SEC. & JNR. SEMINARY
12.2000
Skills
- Strong Presentation skills
- Strong Financial Statement Analysis Skills
- Workable knowledge of Microsoft Tools
- Strong analytical skills
- Training and mentoring
- Customer focus
- Strategic thinking
- Process improvement
- Project restructuring
- Teamwork and collaboration
- Attention to detail
- Relationship building
- Customer relationship management
Accomplishments
- Supervised Heads of SMEs within my jurisdiction - Ghana + Kenya + Uganda + Tanzania.
- Re-organized the SME business across the above 4 countries to better serve the clients.
- Introduced segmentation criteria to better serve clients within the SME segment
- Initiated products development towards the sub-segment of the SME market.
- Deposit growth by 15% and asset growth by 12% in the 2024 fiscal year.
Personal Value Statement
The pre-requisite of a successful member of every organisation is a person with integrity, flexibility and ease of adapting to our ever-changing environment, an effective team player and a highly versatile individual with the eye of looking for new ways of doing things and these are the core values that define my work culture. I have had extensive experience in Business Development as Snr Corporate Relationship Manager (Deputy to Head, Corporate Banking), Group Head, Retail & SME Banking and currently Regional SME Head for East Africa (Kenya, Uganda & Tanzania) & Ghana. I also served as Head of Credit Analysis for 5 years which brings a lot of versatility in my appreciation of Business and Risk Management ensuring a balanced situational analysis. I have good communication and presentation skills and pay attention to details. I am a strong advocate of teamwork with its associated power and influence through effective synergy.
Achievements And Awards
- BEST PARTICIPANT IN THE TRAIN THE TRAINER PROGRAMME, 05/2019 & 05/2021
- BEST STUDENT IN CORPORATE FINANCE ANALYSIS, CHARTERED CREDIT MANAGEMENT PROGRAMME, 01/2019
- Winner of BOA Group Business Centre Commissions Campaign (17 Subsidiaries), 2015 & 2016
- 3rd Best Participant in the Entry Training Programme, Guaranty Trust Bank Ghana Limited, 10/2007
- Member of the team to first introduce a campus Newspaper, University of Cape Coast - Campus Exclusive, 11/2004
- Member of SIFE team to win the SIFE National Competition, 06/2003
Key Skills And Attributes
- Strong Presentation skills
- Strong Financial Statement Analysis Skills
- Workable knowledge of Microsoft Tools
Professional Development
- BUSINESS OF INTERNATIONAL TRADE, Cornerstone, South Africa, 06/2021
- TRAIN THE TRAINER PROGRAMME, Talentia Africa, 05/2021
- ENVIRONMENTAL & SOCIAL RISK MANAGEMENT, Ibis Consult Morocco (On-line program), 04/2021
- MANAGING PROBLEM LOANS, Andrew McRoberts, 08/2020
- LEADERSHIP TRAINING, Manchester Business School, 08/2019
- TRAIN THE TRAINER PROGRAMME, Talentia Africa, 05/2019
- INTERNATIONAL TRADE FINANCING, Logos International Trade Business School, 05/2015
- INTERNATIONAL TRADE FINANCING, Ghana International Bank, UK, 09/2013
Interests
Timeline
REGIONAL SME HEAD - EAST AFRICA & GHANA
BANK OF AFRICA GROUP (PAN AFRICAN SOLUTIONS & SER)
01.2024 - 03.2025
GROUP HEAD, RETAIL & SME BANKING
BANK OF AFRICA GHANA LIMITED
06.2022 - 12.2023
HEAD, CREDIT ANALYSIS DEPARTMENT
BANK OF AFRICA GHANA LIMITED
10.2017 - 05.2022
DEPUTY HEAD, CORPORATE BANKING
BANK OF AFRICA GHANA LIMITED
04.2013 - 09.2017
SNR. RELATIONSHIP MANAGER
BANK OF AFRICA GHANA LIMITED
02.2009 - 03.2013
CREDIT OFFICER
BSIC GHANA LIMITED
06.2008 - 01.2009
RELATIONSHIP OFFICER
GUARANTY TRUST BANK GHANA LIMITED
10.2006 - 05.2008
AUDIT OFFICER – NATIONAL SERVICE
VOLTA RIVER AUTHORITY
09.2005 - 08.2006
MBA (Finance) -
GIMPA
BACHELOR OF COMMERCE - 2nd Class Upper
Univ. of Cape Coast
BUSINESS STUDIES -
POPE JOHN SEC. & JNR. SEMINARY
ACCA -
Chartered Institute of Credit Management
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