# Gladstone Agbenyega

Gladstone Agbenyega is a remote worker on Himalayas, Credit Officer at University of Ghana Co-operative Credit Union, based in Ghana.

Source: https://himalayas.app/@gladstoneagbenyega

```text
Credit Officer at University of Ghana Co-operative Credit Union who reduced aged debt by 60% and delinquency by 2.3%.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | Ghana |
| Authorized to work in | Ghana |
| Salary expectations | 60k+ USD |
| Job categories | Credit Officer, Credit Analyst, Loan Officer |
| Skills | Credit Analysis, Credit Risk Assessment, Loan Underwriting, Loan Approval, Delinquency Management, Debt Collection, Financial Statement Analysis, Credit Reporting, Credit Scoring, Credit Portfolio Management, Credit Recommendations, Accounts Receivable, Risk Rating, Collateral Monitoring, Credit Documentation |
| LinkedIn | https://linkedin.com/in/gladstone-3a58aa115 |

## About

```text
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.
```

## Experience

### Credit Officer (current)

University of Ghana Co-operative Credit Union. Feb 2024 - Present

```text
Evaluated creditworthiness of clients through financial analysis, managed a credit portfolio valued at over GH₵80 million, and ensured compliance with credit approvals. Reduced aged debt by 60% through effective accounts receivable management.
```

Skills: Credit-Analysis, Risk-Assessment, Financial-Reporting, Portfolio-Management, Accounts-Receivable, Compliance, Loan-Administration

### Teller

University of Ghana Co-operative Credit Union. Mar 2020 - Feb 2024

```text
Processed financial transactions including deposits, withdrawals, loan applications, and fund transfers, ensuring accuracy and compliance. Assisted customers with account issues and provided product information.
```

Skills: Customer-Service, Financial-Transactions, Compliance, Problem-Solving

### Town and Country Planning Officer

Ga East Municipal Assembly. Jul 2019 - Feb 2020

```text
Planned and managed orderly development of human settlements, provided planning services to public authorities and private developers, and prepared layout plans and acquisition plans.
```

Skills: Urban-Planning, Development-Control, Land-Use-Planning, Stakeholder-Engagement

### National Service Personnel

Ghana Revenue Authority. Sep 2017 - Aug 2018

```text
Generated Tax Identification Numbers for taxpayers, recorded movements of folders in the Central Filing Office, and engaged in outreach programs for taxpayer education and compliance.
```

Skills: Taxpayer-Education, Compliance, Data-Entry, Record-keeping

## Education

### University of Ghana Business School

MBA, Management Information Systems. 2022 - 2024

```text
Pursued an MBA in Management Information Systems, covering software engineering, e-business, and business intelligence.
```

### University of Ghana

BA, Geography and Linguistics. 2013 - 2017

```text
Earned a BA in Geography and Linguistics, with coursework in geography, linguistics, and history.
```

### Keta Senior High School

West African Senior Schools Certificate, General Arts. 2009 - 2013

```text
Completed the West African Senior Schools Certificate in General Arts, with focus on economics, geography, elective mathematics, and government.
```

## Tech stack

- NumPy
- Pandas
- Python
- Microsoft Excel
- Power BI

To contact Gladstone, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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