Summary
Overview
Work History
Education
Skills
LANGUAGES
Certification
Interests
Timeline
Generic

KOFI DUAH APRAKU

Edmonton,Canada

Summary

Banking professional with extensive experience in client relationship management and financial product knowledge. Known for teamwork and consistently achieving results in dynamic environments. Skilled in financial advising and adept at adapting to evolving customer needs.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Personal Banking Associate

BMO Bank of Montreal, Canada
06.2024 - Current
  • Engage customers in day-to-day advice needs, service transactions, digital education, and client problem resolution related to banking solutions.
  • Understand customer needs and guide customers to the right contact person for appropriate solutions while exercising good judgment in confidential matters.
  • Ensure clients’ investment and financial needs are met by providing a comprehensive retail banking offer.
  • Adhere to all audits, policies, procedures, and regulatory requirements to mitigate risks of fraud or loss.
  • Support the frontline staff with scheduled cash and non-cash transactions; resolve critical issues.
  • Mentored new associates on best practices in customer interaction and transaction handling.
  • Processed loan applications diligently, resulting in increased loan approval rates for qualified borrowers.
  • Streamlined branch operations by collaborating with team members to optimize efficiency and improve workflow processes.
  • Conducted regular account reviews to identify opportunities for cross-selling additional bank products and services.

General Manager/Credit Manager

KADBI Micro-Credit Services, Ghana
03.2020 - 12.2023
  • Analyzed financial statements to assess creditworthiness and determine appropriate lending limits.
  • Monitored delinquent accounts and initiated collection strategies, enhancing recovery rates significantly.
  • Led quarterly reviews of credit performance metrics to identify trends and adjust strategies accordingly.
  • Implemented advanced reporting tools to track key performance indicators, driving data-driven decision-making initiatives.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
  • Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
  • Streamlined loan processing procedures, significantly reducing approval times and improving customer experience.
  • Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.

Branch Manager

First Atlantic Bank, Ghana
08.2019 - 03.2020
  • Proactively took ownership of resolving and preventing client banking problems.
  • Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
  • Shared knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs.
  • Provided training, coaching, development and motivation for the branch's staff.
  • Managed staff performance through regular training, mentoring, and performance evaluations.
  • Fostered relationships with key clients, enhancing retention and expanding service offerings.
  • Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
  • Developed and implemented strategies to enhance customer service and improve client satisfaction.
  • Led branch operations, ensuring compliance with banking regulations and internal policies.

Banking Advisor/Relationship Manager

First Atlantic Bank, Ghana
10.2012 - 07.2019
  • Exhibited empathy and kindness, and took the time to understand circumstances and concerns in all my interactions with clients and co-workers.
  • Communicated effectively to ascertain client needs, and provided solutions and advice focused on the client's needs.
  • Offered customised banking solutions to meet clients' needs.
  • Implemented effective methods for establishing contact and relationships that facilitated new client acquisition and retention in my catchment area.
  • Exceeded sales targets and referral goals.
  • Promoted deposit, financial investment and loan growth.

Validation Officer

Standard Chartered Bank, Consumer Banking, Ghana
07.2012 - 10.2012
  • Ensured and remained alert to the risk of money laundering and assisted in the Bank's efforts to combat it by adhering to its principles.
  • Updated error log/teller posting Database daily in the system.
  • Recorded and reported all discrepancies identified in the cause of normal days' work.

Education

Investment Funds in Canada (IFC)

Canadian Securities Institute
05.2024

Finance: Applied Financial Services

Northern Alberta Institute of Technology (NAIT)
Edmonton, AB
04.2024

BSC. Administration - Banking and Finance

University of Ghana Business School
05.2010

General Arts

Prempeh College
09.2005

Skills

  • Client service optimization
  • In-depth understanding of banking products
  • Team-oriented professional with proven analytical skills
  • Branch management
  • Creditworthiness evaluation
  • Anti-money laundering compliance
  • Credit report analysis
  • Customer relationship management
  • Client service optimization
  • Comprehensive risk assessments
  • Cash flow analysis and management
  • Data analysis
  • Loan evaluation expertise

LANGUAGES

English & Twi

Certification

  • Investment Funds in Canada (IFC), 2024.
  • Dean’s Honour Roll, Winter 2024 Term – NAIT.
  • Dean’s Honour Roll, Fall 2023 Term – NAIT.
  • Business Management and Strategy Training for Micro-Credit Institutions; 2021.
  • Corporate Image Leadership; 2015.
  • Intermediate Banking Course; 2014.
  • Core Banking Course; 2014.
  • Strategic Retail Banking; 2012.
  • Customer Charter; 2012.
  • Anti-Money Laundering, Counter Terrorist Financing and Sanctions; 2019, 2012.
  • Information Security Awareness for Everyone (iSAFE) Module; 2012.

Interests

Basket Ball

Soccer

Badminton


Timeline

Personal Banking Associate

BMO Bank of Montreal, Canada
06.2024 - Current

General Manager/Credit Manager

KADBI Micro-Credit Services, Ghana
03.2020 - 12.2023

Branch Manager

First Atlantic Bank, Ghana
08.2019 - 03.2020

Banking Advisor/Relationship Manager

First Atlantic Bank, Ghana
10.2012 - 07.2019

Validation Officer

Standard Chartered Bank, Consumer Banking, Ghana
07.2012 - 10.2012

Finance: Applied Financial Services

Northern Alberta Institute of Technology (NAIT)

BSC. Administration - Banking and Finance

University of Ghana Business School

General Arts

Prempeh College

Investment Funds in Canada (IFC)

Canadian Securities Institute

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KOFI DUAH APRAKU