Summary
Overview
Work History
Education
Skills
Voluntary Activities
Languages
Key Qualities
Seminars Training
Personal Information
References
Hobbies and Interests
Certification
Timeline
Generic
Richard Kwofie

Richard Kwofie

Accra

Summary

  • Motivated Bank Manager passionate about providing excellent customer service and exceeding expectations. Talented professional well-versed in service marketing and credit offerings. Inspires staff loyalty through strong leadership and communication skills.
  • Skilled Branch Manager with demonstrated success in coordinating team and financial activities. Friendly and adaptable professional with remarkable leadership and program management skills.
  • Enterprising Branch Manager successful in leading every facet of new and ongoing business operations. Strategic thinker and tactical decision-maker with passion for serving customers and exceeding expectations. Creative problem solver skilled at de-escalating situations and driving positive change.

Overview

16
16
years of professional experience

Work History

Branch Manager

Stanbic Bank Ghana Limited
10.2021 - Current
  • Oversee the due implementation of strategies and roadmaps to meet managements set objectives and targets for the team
  • To ensure that all customers receive a consistently high-quality service by effectively managing and developing all available resources (staff, systems, processes) and ensuring that a strong customer-focused service culture becomes entrenched in the branch
  • To proactively identify and assess the risks faced by the branch and maintain an effective system of controls to reduce exposure
  • To ensure the effective roll-out of change management initiatives
  • Serves as the team leader of branch management and a member of the bank's management team and ensures that institutional business philosophies, business model, and core values are fully implemented in the branch
  • Ensure effective and efficient people management by training, mentoring, and guiding staff to function effectively to attain organization's set goals and objectives
  • Ensures effective management of revenue and expenditure with emphasis on the containment of controllable costs
  • Ensure a robust and efficient operational environment to minimize cost and maximize revenue
  • Provide sound business judgment while demonstrating a specific for the Bank's reputation
  • Identify new market opportunities and build new customer relationships to ensure business continuity and growth
  • Ensure compliance to the Bank's laid down policies and procedures.

Universal Banker

Stanbic Bank Ghana Limited
02.2017 - 09.2021
  • Conducts customer needs analysis for Personal Banking and SME customers at the branch and offers solutions to fulfill the customer's needs
  • Analyzing client's financial statements and cashflows to match solutions to their business funding needs
  • Conducts a thorough financial needs assessment and recommends the most appropriate products and services for personal customer's immediate and future funding needs
  • Provides input into the marketing plan and campaigns targeted at increasing personal and business sales revenue
  • Conducts and drives campaigns at branch, targeted at personal and business banking customers
  • Engages with priority clients on a re-active basis as required and ensure that the clients' needs are addressed appropriately.

Business Banker

Stanbic Bank Ghana Limited
08.2013 - 01.2017
  • Defining sales strategies and marketing techniques for the year and review every month for growth and sustainability
  • Explain, promote, and offer a range of appropriate Stanbic products offering and solutions that meet the financial needs of SME's
  • Identifying sales leads for associate company stakeholders e.g
  • Vehicle and Asset financing; Electronic Banking and NBOL; Home loans
  • Manages and develops portfolio relationships with new and existing clients
  • Proactively identify and follow-up on new business to increase market share, Identify and follow-up on cross-selling opportunities as well as Identifying and nurturing key customers for expansion
  • Accurately and efficiently Monitor loan repayments and follow up on defaults within the stipulated period
  • Educating clients regarding the parameters and routine procedures governing standard SME product and service offerings to ensure the correct customer behavior and product usage
  • Interacting with clients and conducting needs analysis to assist clients to better understand their financial requirements and matching value-based solutions to them.

Officer, SME Quick loans

Stanbic Bank Ghana Limited
03.2011 - 07.2013
  • Performs as a liaison role between the client and all other internal support divisions of the bank to ensure that client service expectations are fully met and are in line with service level agreements
  • Manages and develops portfolio relationships with new and existing SME quick loans clients, grooming them to the SME tie one and two
  • Proactively identify and follow-up on new business to increase market share, Identify and follow-up on cross-selling opportunities as well as Identifying and nurturing key customers
  • Origination of Loan applications
  • Monitor loan repayments and follow up on defaults within the stipulated period
  • Advising customers on the bank's products and services through an established relationship thereby ensuring an increased and sustained customer base.

Personal Solutions Consultant

Stanbic Bank Ghana Limited
07.2010 - 02.2011
  • Identify customer needs effectively and open new accounts accordingly
  • Communicating new service and product opportunities
  • Championing sales activities in the branch by seeking out new opportunities constantly with both stand and chain accounts within established region
  • Follow up on referrals and new leads resulting after filed activity
  • Presenting and selling the bank's services and products to current and prospective clients
  • Best performer for 3 consecutive months.

Direct Sales Representative

Mon-Tran Ltd, Accra
01.2008 - 06.2010
  • Established trust with clients through transparent negotiations, ethical practices, and excellent service delivery standards.
  • Contributed to team objectives in fast-paced environment.
  • Greeted customers and offered assistance with selecting merchandise, finding accessories and completing purchases.
  • Prioritized time management skills to handle multiple client accounts simultaneously while maintaining high-quality interactions.

Education

MSC Development Finance -

University of Ghana, Business School
05.2017

Bachelor of Arts - Economics

University of Cape Coast
Cape Coast, Ghana
06.2006

Skills

  • Staff Management

  • Staff Supervision

  • Staff Development

  • Loss Mitigation

  • Risk Management

  • Decision-Making

  • Cost Data Analysis

  • Data trending

  • Business Intelligence Gathering

  • Sales Development

  • Risk Mitigation

Voluntary Activities

Ministry of Trade, Industry, PSD & PSI.

Research Assistant - National Service/Retention Program (Sept.2006 –Dec.2007)

· Engaged in field survey on “the impact of trade and trade policies on Domestic Economic Activities". Case study of Greater Accra Region.

· Took part in the report writing and analysis of the data Collected.

· Assisted the Regional Director in general administrative duties.


Financial Steward

August 2014 to 2021, Bethel Methodist Church Ghana, Accra

· Day to day management of church finances

· Budgetary preparation and review

· Prepare monthly, quarterly, and annual financial statement and reports.

· Collaborate with project committee in defining developmental projects.

Languages

English

Key Qualities

  • Proven ability to build rapport with individuals from all cultural and socioeconomic backgrounds.
  • Positive attitude and competitive spirit.
  • Excellent communication skills and customer service.
  • Dynamic sales driven spirit and a go-getter attitude.
  • Result oriented team player.

Seminars Training

  • Understanding Ecosystems and Mining Ecosystems (Network Next)
  • Risk in loan syndication practice (National Banking College)
  • Core Banking Transformation (Stanbic bank, Learning & Development)
  • Strategic management session, effective sales, and marketing strategy
  • Implementation (Stanbic Bank, Dodowa forest hotel)
  • Customer Experience training (Stanbic bank, Learning & Development)
  • Training on SME Quick Loans (Stanbic bank, Learning & Development)
  • Banking and Product Knowledge training (Stanbic Bank, Learning & Development)
  • Strategic Sales training (Stanbic bank, Learning & Development)
  • Refresher Training on Products. (Opeibea house Branch - SCB)
  • Understanding and writing credit paper (Stanbic)
  • Interpretation and analysis of Business Financial Statements
  • MS applications, Internet, and SPSS.

Personal Information

  • Date of Birth: 06/13/83
  • Nationality: Ghanaian
  • Marital Status: Married

References

  • Solomon Freeman Aduachie, Stanbic Bank Ghana Ltd, Branch Manager, +233 2443 85233, aduachies@stanbic.com.gh
  • Cyril Mensah-Dapaah, Stanbic Bank Ghana Ltd, Reginal Manager, +233 2443 88533, mensahdapaahc@stanbic.com.gh
  • Mrs Akosua Konadu Osafo, Utrak Savings and Loans, General Manager, +233 2447 59913, aosafo@utrakgh.com

Hobbies and Interests

  • Researching.
  • Playing Golf, Tennis and Scrabbles.
  • Watching documentaries


Certification

Chartered Institute of Bankers

Level II

Timeline

Branch Manager

Stanbic Bank Ghana Limited
10.2021 - Current

Universal Banker

Stanbic Bank Ghana Limited
02.2017 - 09.2021

Business Banker

Stanbic Bank Ghana Limited
08.2013 - 01.2017

Officer, SME Quick loans

Stanbic Bank Ghana Limited
03.2011 - 07.2013

Personal Solutions Consultant

Stanbic Bank Ghana Limited
07.2010 - 02.2011

Direct Sales Representative

Mon-Tran Ltd, Accra
01.2008 - 06.2010

MSC Development Finance -

University of Ghana, Business School

Bachelor of Arts - Economics

University of Cape Coast

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Richard Kwofie