Ernestine Deku
Accra
Summary
Results-driven business development professional with over a decade of experience in the banking and financial services industry. Specializes in relationship management, asset and liability generation, and strategic customer acquisition. Proven track record of exceeding targets for both liabilities (4 consecutive years) and assets (3 consecutive years), driving significant growth for the bank. Adept at delivering tailored financial solutions, fostering strong client relationships, and identifying new business opportunities to expand market share and increase profitability.
Overview
15
15
years of professional experience
Work History
Relationship Officer
Republic Bank (Ghana) PLC
Adjiringanor
10.2016 - Current
- Consistently exceeded liabilities targets for 4 consecutive years by implementing effective marketing strategies and building strong relationships with high-value clients
- Surpassed assets targets for 3 years running through proactive customer engagement, cross-selling financial products, and identifying new business prospects
- Spearheaded the bank’s deposit mobilization efforts, leading to a significant increase in deposits from both retail and corporate clients
- Managed borrowing accounts, monitored client performance, and ensured adherence to credit policies to minimize risk
- Delivered detailed reports on customer interactions, providing insights that shaped business development strategies and improved customer retention.
Customer Service Officer
Republic Bank (Ghana) PLC
Adjiringanor
03.2016 - 09.2016
- Played a pivotal role in customer acquisition by offering exceptional service and promoting the bank’s financial products
- Assisted clients with international trade services, investments, and complex transactions, contributing to the bank's revenue growth
- Addressed customer complaints with efficiency, ensuring timely resolution and satisfaction.
Customer Service Officer
Republic Bank (Ghana) PLC
Sefwi Wiawso
06.2014 - 02.2016
- Instrumental in increasing the bank’s customer base by opening new accounts and providing personalized financial services
- Managed funds transfers, investments, and handled customer complaints, consistently delivering high service standards
- Supported international trade services for business clients, facilitating smoother trade transactions.
Investment Advisor
Accent Financial Services Ltd.
07.2013 - 05.2014
- Led business development initiatives, advising clients on investment opportunities that aligned with their financial goals
- Enhanced the client portfolio through targeted acquisition strategies and personalized advisory services
- Streamlined the loan disbursement process, improving customer satisfaction and operational efficiency.
Head Teller/ATM Custodian
Access Bank (Ghana) Ltd.
Osu Branch
01.2011 - 06.2013
- Managed cash flow, including daily ATM reconciliations, while consistently meeting cash management targets
- Trained and mentored new tellers, ensuring operational excellence and adherence to the bank’s service standards
- Provided leadership in branch cash balancing and general ledger proofs.
Teller
Access Bank (Ghana) Ltd.
Osu Branch
06.2010 - 12.2010
- Conducted cash transactions, promoted bank products, and processed utility payments, consistently exceeding service delivery expectations.
HR Assistant
Access Bank (Ghana) Ltd.
01.2010 - 05.2010
- Managed HR functions, including payroll processing, organizing interviews, and handling staff welfare issues
- Supported the recruitment and onboarding process, ensuring smooth staffing operations.
Education
MBA Finance -
University of Ghana Business School
BA Sociology with Information Studies -
University of Ghana
HND Marketing -
Ho Polytechnic
Skills
- Business Development: Proven ability to grow asset and liability portfolios by identifying business opportunities and implementing effective growth strategies
- Financial Services: Strong expertise in deposit mobilization, loan management, and customer advisory services
- Client Relationship Management: Skilled in fostering long-term relationships with high-net-worth clients and delivering tailored financial solutions
- Strategic Thinking: Adept at analyzing market trends, customer behavior, and financial data to guide business decisions and drive growth
Accomplishments
- Liabilities Growth: Consistently exceeded liabilities targets for 4 consecutive years, contributing to a significant rise in the bank’s deposits.
- Assets Growth: Exceeded asset generation targets for 3 consecutive years, helping increase the bank's loan portfolio and revenues.
- Client Acquisition: Successfully acquired and retained high-value clients through innovative marketing and personalized financial services.
- Performance Recognition: Awarded Most Dedicated National Service Person in Ho Municipality (2007/2008).
References
Available upon request.
Timeline
Relationship Officer
Republic Bank (Ghana) PLC
10.2016 - Current
Customer Service Officer
Republic Bank (Ghana) PLC
03.2016 - 09.2016
Customer Service Officer
Republic Bank (Ghana) PLC
06.2014 - 02.2016
Investment Advisor
Accent Financial Services Ltd.
07.2013 - 05.2014
Head Teller/ATM Custodian
Access Bank (Ghana) Ltd.
01.2011 - 06.2013
Teller
Access Bank (Ghana) Ltd.
06.2010 - 12.2010
HR Assistant
Access Bank (Ghana) Ltd.
01.2010 - 05.2010
MBA Finance -
University of Ghana Business School
BA Sociology with Information Studies -
University of Ghana
HND Marketing -
Ho Polytechnic
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