Emmanuel Aboagye Kwarteng
London
Summary
Dynamic Business/Credit Analyst with a proven track record at First National Bank, adept in risk assessment and loan approval analysis. Excelled in enhancing loan processing efficiency by 30% through meticulous financial performance assessment and robust communication skills. Expert in Microsoft Excel and fostering client relationships, significantly boosting loan approval rates and customer satisfaction.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Business/Credit Analyst
First National Bank
Accra
05.2024 - Current
- Provide recommendations regarding loans applications based on sound credit evaluation principles.
- Review and analyse financial statements of potential borrowers to determine credit worthiness.
- Review loan applications for accuracy and completeness before submitting them for approval.
- Adhered to applicable laws, regulations and policies governing consumer lending practices.
- Conducts sector-specific research to understand risks and opportunities within industries.
- Utilise credit scoring models to rank clients based on their credit risk.
- Assess collateral values and ensured sufficient coverage for secured loans.
Mortgage Sales Team Lead
GHL Bank
Accra
05.2017 - 05.2020
- Developed detailed reports outlining performance metrics and trends in order to measure effectiveness of sales activities.
- Participated in trade shows and conferences in order to promote products or services offered by the company.
- Generated leads through cold calling potential customers or networking events.
- Established quotas for individual team members and tracked their progress toward meeting those goals.
- Analyzed customer data to identify opportunities for new business growth.
- Monitored the progress of sales campaigns and adjusted plans as needed.
- Assisted customers with product selection based on their needs, budget, and preferences.
- Managed and retained existing client accounts.
Mortgage Consultant
Ghana Home Loans
Accra
11.2014 - 10.2016
- Educated customers on various types of mortgages, interest rates and other related topics.
- Analyzed financial data, credit reports and loan documents to determine eligibility for mortgage loans.
- Coordinated with underwriters and processors to ensure timely processing of loan applications.
- Ensured compliance with local, state and federal guidelines when providing advice and assistance related to mortgage loans.
- Identified areas where improvements could be made in order to enhance efficiency within the organization's operations.
- Developed relationships with real estate agents, builders and other referral sources to increase business opportunities.
- Reviewed closing documents for accuracy prior to finalizing transactions and ensuring compliance with federal laws and regulations governing mortgage lending practices.
- Maintained up-to-date knowledge of changes in the mortgage industry, including regulations, policies and procedures.
- Monitored progress throughout the entire loan process while keeping clients informed at all times.
- Assisted clients in selecting the best loan product for their needs based on budget constraints and goals.
- Evaluated risk factors associated with each loan application before submitting them to lenders for approval consideration.
- Complied applications and paperwork and double-checked for accuracy.
- Gathered client debt, credit and income information to determine loan eligibility.
- Monitored loan progress, ensuring timely processing and closing.
- Guided applicants through the loan process, from application to closing.
- Maintained up-to-date knowledge of various loan products and compliance regulations.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
Insurance Agent
BIMA
Accra
01.2012 - 09.2014
- Prepared documents such as applications, endorsements, renewals, cancellations, or other forms required by law or company procedures.
- Provided customers with information regarding plan features, pricing, and availability.
- Advised customers on the best ways to minimize risks associated with their assets.
- Explained complex technical terms related to insurance plans in simple language for easy understanding.
- Ensured compliance with applicable laws, regulations, and company policies while selling insurance products.
- Developed relationships with new clients through cold calling and referrals from existing customers.
- Educated customers on the importance of maintaining adequate insurance coverage.
- Engaged customers and provided high level of service by carefully explaining details about documents.
Education
MBA - Marketing
University of Ghana Business School
Accra, Ghana01-2025
Bachelor of Science - Marketing
Ghana Institute of Management And Public Admin
Accra, Ghana09-2014
Higher National Diploma - Marketing
Takoradi Technical University
Takoradi, Ghana08-2009
Skills
- Risk Assessment
- Loan Approval Analysis
- Proficient in Oral and Written Communication
- Debt Service Analysis
- Economic forecasting
- Compliance with Banking Regulations
- Financial Performance Assessment
- Microsoft Excel proficiency
- Cash flow analysis
- Credit policy development
- Market trend analysis
Affiliations
- Participated in and followed football (soccer) as a player and spectator
- Youth Engagement Volunteer
Accomplishments
- Achieved an independent disbursement of 30.7% of the entire mortgage loan budget for the 2016/2017 financial year (Unprecedented)
- Awarded Overall Best Mortgage Consultant honors for two consecutive years
Certification
- Process Efficiency Implementer - Banking College, Ghana
- Data Privacy Awareness
- Anti-Money Laundry Training
Languages
Akan
First Language
English
Advanced (C1)
C1
French
Beginner
A1
Custom
- Volunteer Youth Worker
- Football Enthusiast
- Playing football
- Reading Books: Engaging with diverse literature to enhance knowledge and critical thinking
References
References available upon request.
Work Preference
Work Type
Full TimePart TimeWork Location
On-SiteRemoteHybridImportant To Me
Career advancementWork-life balanceCompany CulturePersonal development programsWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Timeline
Business/Credit Analyst
First National Bank
05.2024 - Current
Mortgage Sales Team Lead
GHL Bank
05.2017 - 05.2020
Mortgage Consultant
Ghana Home Loans
11.2014 - 10.2016
Insurance Agent
BIMA
01.2012 - 09.2014
- Process Efficiency Implementer - Banking College, Ghana
- Data Privacy Awareness
- Anti-Money Laundry Training
MBA - Marketing
University of Ghana Business School
Bachelor of Science - Marketing
Ghana Institute of Management And Public Admin
Higher National Diploma - Marketing
Takoradi Technical University
Similar Profiles
Brian Shono NkweBrian Shono Nkwe
Teller Coordinator at First National BankTeller Coordinator at First National Bank
Carol DlaminiCarol Dlamini
Administrator at First National BankAdministrator at First National Bank
Shaun Thando ZuluShaun Thando Zulu
Collections Advisor at First National BankCollections Advisor at First National Bank