Tsinigo Dziedzorm
Calgary,Alberta
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Administrator
NATIONAL INVESTMENT BANK LIMITED
09.2017 - Current
- Disbursed all credit-related facilities (Loans, Overdrafts and Bank Guarantees) using the T-24 system
- Trained colleagues, relationship managers and branches on using the credit operations interface in the T-24 system
- Performed call over duties daily to ensure agreed pre-disbursement charges, interest rates, a loan or overdraft duration, and other key contents have been strictly adhered
- Prepared monthly reports concerning loans disbursed and overdrafts created
- Handled customer related credit issues (loan payoffs, funds transfers and loan amendments).
Sales Team Lead
NATIONAL INVESTMENT BANK LIMITED
04.2019 - 06.2020
- Led a 14-member team to exceed sales target from April 2019 and mobilizing Bank wide record of GHC 38 million for December 2019 alone
- Part of a select team tasked to mobilize deposits on behalf of traders in Accra
- Prospecting for new clients via account opening and marketing bank’s products
- Setting targets and assessing team members weekly to ensure they are on track
- Managing, training and supporting 14 staff team members through product and sales training.
Credit Officer
NATIONAL INVESTMENT BANK LIMITED
08.2015 - 08.2017
- Appraised customer’s personal loan requests
- Prepared Customer’s Personal, SME or Term loan or Overdraft offer letters after management approval
- Locked affordability for customers who take personal Loans in the Third Party Reference System (TPRS) for repayment purposes
- Evaluated credit worthiness and risks of customers
- Approved or rejected loan requests before management recommendations
Cashier/ Accounts Clerk
KIMO HOME LIMITED
05.2014 - 07.2015
- Generated both credit and cash invoices for clients with the company’s software on the computer
- Recorded all purchases together with payments made during the day
- Kept custody of the company’s cash and Cheques for submission to the accountant at the close of day
- Reconciled invoices all invoices generated in the day with the records in the ledger.
GHANA REVENUE AUTHORITY, National Service Personnel
10.2009 - 12.2010
- Registered traders or persons by enforcing the provisions in the VAT Act (Act 546)
- Verified VAT registered traders' business records and systems to assess compliance with the tax laws and ensure payment of unpaid taxes
- Educated registered traders or persons on their rights and obligations as specified in the VAT Law
- Monthly reconciliation of debtors’ ledger balance with that from Head
Education
MBA - Accounting and Finance
University of Professional Studies
BSc - Accounting
University of Professional Studies
Higher National Diploma - Accounting
HO Polytechnic
Skills
- Microsoft Word
- Microsoft Excel
- Microsoft Office
- Temenos 24 (T24)
- Microsoft PowerPoint
- Outlook
- Creditworthiness Evaluations
- Sales Goals
- Customer Transactions
- Bank Deposits
- Credit Evaluation
- Loan Policy Limits
- Sales Expertise
Accomplishments
- Collaborated with team of 8 Credit Administrators in the payoff of long standing government Volvo loans, disbursement and payoff of government rubber plantation loan projects and disbursement of loans to all members of parliament.
- Led a 14 member sales team to Mobilize 38 million Ghana Cedis on behalf of the bank between April, 2019 to December,2019 and was adjudged best sales team for the year in review.
Certification
- Organizational Safety by National Ambulance Service,Greater Accra Region 19th- 27th June,2021. - Basic First Aid, Cardiopulmonary Resuscitation, Choking and Fainting, Bleeding Control,Burns Management and Evacuation during fore outbreak.
- Fraud and Cyber Crime Awareness by Non-Stop Security And Intelligence Solution. 15th-18th September,2016- Checks on Cyber Fraud in Banking Sector.
Languages
English
Advanced (C1)
Ewe
Advanced (C1)
Twi
Upper intermediate (B2)
Timeline
Sales Team Lead
NATIONAL INVESTMENT BANK LIMITED
04.2019 - 06.2020
Credit Administrator
NATIONAL INVESTMENT BANK LIMITED
09.2017 - Current
Credit Officer
NATIONAL INVESTMENT BANK LIMITED
08.2015 - 08.2017
Cashier/ Accounts Clerk
KIMO HOME LIMITED
05.2014 - 07.2015
GHANA REVENUE AUTHORITY, National Service Personnel
10.2009 - 12.2010
MBA - Accounting and Finance
University of Professional Studies
BSc - Accounting
University of Professional Studies
Higher National Diploma - Accounting
HO Polytechnic
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