At University of Ghana Co-operative Credit Union, I evaluate client creditworthiness and recommend credit limits using financial analysis. I administer a credit portfolio valued at over GH₵80 million, monitoring account excesses and collateral positions against approved terms.
I work with Sales teams to structure credit solutions around client needs while maintaining credit standards. By following up on overdue accounts and collaborating with Sales to resolve payment issues, I contributed to a 60% reduction in aged debt.
I also assisted with annual credit renewals, risk-rating updates, and credit documentation. My achievements include reducing the delinquency ratio by 2.3% within the first nine months and improving the loan recovery rate by 39.7%.
Earlier, as a Teller at the same credit union, I processed deposits, withdrawals, loan applications and payments, and fund transfers. I also worked in town and country planning at GA EAST MUNICIPAL ASSEMBLY and completed National Service at Ghana Revenue Authority.
