Kofi Twum
Accra
Summary
Proven Credit Analyst with a robust background at Ghana International Bank, where I significantly reduced delinquency rates through meticulous credit risk assessments and financial analysis. Expert in Python, SQL, and BI Desktop, I excel in data analysis and verbal communication, driving enhanced decision-making and fostering stakeholder relationships.
Overview
11
11
years of professional experience
Work History
Credit Analyst
Ghana International Bank
02.2021 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Reduced delinquency rates, implementing rigorous monitoring and follow-up strategies with at-risk accounts.
Credit Risk and Loan Review Officer
Guaranty Trust Bank Ghana Limited
09.2017 - 01.2021
- Mentored junior staff members, helping them develop their skills and advance in their careers.
- Maintained strict adherence to industry regulations, minimizing risk exposure for the organization.
- Enhanced communication between team members by organizing regular meetings and fostering open dialogue.
- Established effective relationships with key stakeholders both internally and externally for increased collaboration opportunities.
Associate Consultant
KPMG
10.2013 - 12.2015
- Managed multiple projects simultaneously while maintaining attention to detail, organization, and adherence to deadlines.
- Enhanced client satisfaction by providing tailored solutions and recommendations for their business needs.
- Delivered high-quality presentations showcasing key findings and recommendations to both internal stakeholders and clients.
- Collaborated closely with cross-functional teams to devise effective strategies and action plans for clients'' businesses.
Education
Master Of Business Administration - Finance
University of Ghana
Accra06.2020
Bachelor Of Science - Business Administration
Kwame Nkrumah University of Science And Technology
Kumasi06.2013
Skills
- Credit analysis
- Risk Assessment
- Financial statement analysis
- Credit decisions
- Verbal and written communication
- Data Analysis
- Oral and written communications
- Credit Reporting
- Microsoft Excel proficiency
- Loan Documentation
- Proficient in Python, SQL & BI Desktop
Timeline
Credit Analyst
Ghana International Bank
02.2021 - Current
Credit Risk and Loan Review Officer
Guaranty Trust Bank Ghana Limited
09.2017 - 01.2021
Associate Consultant
KPMG
10.2013 - 12.2015
Master Of Business Administration - Finance
University of Ghana
Bachelor Of Science - Business Administration
Kwame Nkrumah University of Science And Technology
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