MAHERR NII AYERTEI TETTEY
Waterloo,ON
Summary
Accomplished banking professional with a solid background in credit, sales and business development/ relationship management. Known for consistently evaluating and approving loan applications, achieving exceptional sales results with strong business development/ relationship management skills and streamlining operational processes. Seeking challenging roles in credit, sales and business development/ relationship management to leverage my expertise in optimizing business development and sales to drive revenue growth and enhance overall operational efficiency.
Overview
15
15
years of professional experience
Work History
Volunteer Kitchen Assistant
Cambridge Shelter Corporation
08.2024 - Current
- Washing and storing all cooking appliances, utensils, cutting boards, and dishes making sure they are well sanitized.
- Assisting Cooks by performing basic preparatory tasks, including washing and cutting produce, combining ingredients in recipes, and cleaning.
- Receiving, labeling, and storing deliveries of produce and other items.
- Promptly responding to instructions and bringing meal ingredients from storage areas to the kitchen.
- Monitoring recipes on the stove and in the oven to ensure proper cooking.
- Provide a welcoming atmosphere that encourages engagement from clients.
- Report any or all health concerns to the Cambridge Shelter staff or Volunteer Coordinator.
- Maintain the privacy and confidentiality of the clients accessing services and support.
- Log all volunteer hours and keep track of all expenses.
Relationship Manager
Speedline Microcredit Limited
02.2022 - 04.2024
- Consistently evaluated and approved loan applications, achieving an average approval rate of 90%, contributing to business growth and customer satisfaction
- Utilized advanced financial analysis skills to assess financial statements and credit histories, resulting in a 15% reduction in high-risk loans and improved portfolio quality
- Streamlined loan processing procedures, reducing processing time by 20%, thus increasing customer satisfaction and enabling quicker access to credit
- Ensured 100% accuracy in reviewing loan agreements, minimizing discrepancies and enhancing the integrity of credit transactions
- Successfully developed and expanded referral networks, increasing the customer base by 25% within six months, thus driving business expansion
- Proactively identified and managed portfolios with high-risk delinquency, reducing delinquency rates by 18% through targeted strategies
- Implemented data-driven reporting techniques, resulting in a 30% improvement in the accuracy and timeliness of reports for delinquent accounts, aiding in informed decision-making.
Relationship Officer/Manager
Consolidated Bank Ghana
12.2016 - 05.2019
- Successfully acquired and onboarded over 200 high net-worth customers within the first year, exceeding acquisition targets by 25%
- Identified and capitalized on cross-selling opportunities, resulting in a 30% increase in the uptake of additional banking products and services among existing clients
- Cultivated and maintained long-term relationships with clients, resulting in a 95% customer retention rate and increased customer loyalty
- Successfully educated and encouraged customers to utilize self-service channels (internet banking, ATMs, Mobile Banking), resulting in a 40% increase in digital service adoption, reducing operational costs
- Responsively handled customer requests and complaints, resolving 95% of issues within 24 hours, ensuring high levels of customer satisfaction.
Operations and Credit Team Lead
Emerge Microfinance
08.2014 - 09.2016
- Implemented proactive loan recovery strategies, reducing loan delinquency rates by 20% and ensuring timely collection of outstanding loans
- Implemented a performance-driven culture among field tellers, resulting in a 15% improvement in their productivity and a boost in overall team morale
- Led a successful loan appraisal and disbursement process, resulting in a 15% increase in the loan portfolio's quality and a PAR (Portfolio at Risk) rate of less than 1%
- Implemented efficient business operations strategies, resulting in a 20% reduction in operational costs while maintaining high service quality.
Relationship Officer
Goldman Capital Microfinance
04.2012 - 06.2014
- Conducted meticulous pre-qualification assessments, ensuring that only creditworthy applicants were considered, resulting in a 90% reduction in high-risk loan approvals
- Ensured the accurate processing of loans, adhering to lending policies and regulatory guidelines, reducing errors by 25% and ensuring a smooth loan origination process
- Prepared detailed and insightful reports on loan portfolios, arrears, and customer profiles, providing management with valuable data for informed decision-making
- Expertly managed and sustained customer portfolios, achieving a 98% customer retention rate, thereby enhancing the company's reputation and profitability.
Branch Coordinating Officer
First Capital Plus Trust
09.2009 - 03.2012
- Provided strong leadership to the branch team, fostering a high-performance culture, which led to a 25% increase in team productivity and improved customer service
- Authored and executed daily payment authorizations, ensuring the accuracy and timeliness of financial transactions, maintaining a 99% error-free payment record
- Conducted meticulous assessments of loan requests, evaluating applicants' financial capacity and adherence to lending criteria, resulting in a 95% approval rate for creditworthy clients.
Education
Graduate Certificate - Business Development And Sales
Conestoga College
Master of Arts (MA) in Entrepreneurship - undefined
Methodist University Ghana
08.2022
Bachelor of Science in Business Management Studies - undefined
Methodist University College Ghana
07.2020
Skills
- Portfolio Management
- Customer interaction
- Client rapport
- Customer Service
- Sales Support
- Self Motivation
- Sales professional
- Teamwork and Collaboration
- Know Your Customer
- Interpersonal Skills
- Organizational Skills
- Relationship building and management
- Loan Processing
- Credit management
- Professionalism
Languages
English
Full Professional
Timeline
Volunteer Kitchen Assistant
Cambridge Shelter Corporation
08.2024 - Current
Relationship Manager
Speedline Microcredit Limited
02.2022 - 04.2024
Relationship Officer/Manager
Consolidated Bank Ghana
12.2016 - 05.2019
Operations and Credit Team Lead
Emerge Microfinance
08.2014 - 09.2016
Relationship Officer
Goldman Capital Microfinance
04.2012 - 06.2014
Branch Coordinating Officer
First Capital Plus Trust
09.2009 - 03.2012
Graduate Certificate - Business Development And Sales
Conestoga College
Master of Arts (MA) in Entrepreneurship - undefined
Methodist University Ghana
Bachelor of Science in Business Management Studies - undefined
Methodist University College Ghana
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