Solomon Darko Email and Phone Number

+ Financial advice

•Credit Administration: develop, implement and maintain an effective and professional credit control policies and procedures. •Risk Management: implement and monitor strategy to respond to risk inherent in the business processes and ensures that the company complies with all legal and regulatory requirements.*Monitor progress against annual plans to ensure that the Company attains its objectives as cost-effectively and efficiently as possible. *Provide strategic advice and guidance to the members of Management , to keep them aware of developments within the industry and to ensure that the appropriate policies are developed to meet the Company’s mission and objectives and to comply with all relevant statutory and other regulations. *Establish and maintain effective formal and informal links with major customers, relevant government departments and agencies, local authorities, key decision-makers and other stakeholders generally, to exchange information and views and to ensure that the Company is providing the appropriate range and quality of services. *Develop and maintain research and development programmes to ensure that the Company remains at the forefront in the industry, applies the most cost-effective methods and approaches, provides leading-edge products and services and retains its competitive edge. *Prepare, gain acceptance, and monitor the implementation of the annual budget to ensure that budget targets are met, that revenue flows are maximised and that fixed costs are minimized. *Develop and maintain an effective marketing and public relations strategy to promote the products, services and image of the Company in the wider community.*Represent the Company in negotiations with customers, suppliers, government departments and other key contacts to secure the most effective contract terms for the Company. *Oversee the preparation of the Annual Report and Accounts of the Company and ensure their approval by the Board.

Achievements -Increased sales activities by 70% with demonstrated results  -Improved Business Development and customer relationship management. -Raised products awareness leading to 2% increase in market share. -Moved the Branch from 70th position to 8th in performance ranking by the end of the 1st year. -Raised investment products from Ghc500.00 to Ghc1,500,000.00 within a year. -Exceeded deposits target by 150% by the eight month. -Doubled student save accounts from 700 to 1,400 within a year. -Reduced dormant accounts by 20%. -Achieved 90% of total liabilities targets by the eight month. -Achieved 70% of total Assets targets by the eight month. -Reduced non performing personal loans from 6% to 1.7% in 10 months. -Increased revenue by 50% by blocking revenue leakages and reducing cost. -Coached direct reports to perform at the highest level.Key Roles Financial• Developed micro market sales plans to achieve responsive sales budgets/targets for branch• Mobilized Deposits-Provided coaching/feedback to the team on product knowlege Operations• Optimized & streamlined existing systems, processes and controls for cost-effective service delivery• Managed assets and cash holdings by ensuring that they are handled according to laid-down instructions• Provided effective administrative function for the branch to ensure overall operational readiness and efficiency of the branch infrastructure including premises, ATMs, systems and physical security requirements• Ensured accurate preparation & prompt submission of all statutory/special reports in a timely manner Leadership• Implemented, monitored and maintained customer service standards • Encouraged personal development in the team to enhance talent development and capability Team-working• Provided support to subordinates in generating meaningful and value-added customer solutions

-Reviewed Branch and Department Operations using Risk-Based Approach-Assessed the efficiency, effectiveness and economies of core business processes-Ensured compliance -Reviewed Enterprise Risk Management-Identified and prioritized risk

-Provided analytical services as part of lending team.-Analysed and evaluated financial/management account statements of clients.-Developed pro-forma statements and cash flow projections.-Assessed viability of prospective borrowers’ business.-Made recommendations to management on granting credit to customers-Formulated recovery strategies.-Disbursed, monitored and recovered credit facilities granted to customers-Maintained up-to-date data-base of loan portfolio.-Prepared monthly, quarterly and annual reports on facilities granted to clients.

Credit Administration and Management of credit component for the 3 districts in Upper East: Bolgatanga, Navrongo, Bongo under IFAD (LACOSREP) 1 and 2

*Provided analytical services as part of lending team.*Analysed and evaluated financial/management account statements of clients.*Developed pro-forma statements and cash flow projections.*Assessed viability of prospective borrowers’ business.*Made recommendations to management on granting credit to customers*Formulated recovery strategies.*Disbursed, monitored and recovered credit facilities granted to customers*Maintained up-to-date data-base of loan portfolio.*Prepared monthly, quarterly and annual reports on facilities granted to clients.*Managed International Fund for Agricultural Development (IFAD) projects in 3 Districts in Upper East Region for six successful years.