About Joseph Obeng

  • Academic Level Degree Bachelor
  • Age 33 - 37 Years
  • Salary 3868
  • Gender Male
  • Industry Finance

About me

A dedicated business professional with over 11 years experience in the areas of credit, business administration and accounting and writing of business plans, developing work schedules and operations calendar as well as varied performance analysis tools. I am highly skilled in Microsoft Excel, Word, PowerPoint as well as Dashboarding. I am an effective communicator with a disciplined outlook. I love systems and have a working knowledge and experience in Financial Analysis, Business Reengineering, Business Modelling and Valuation.

Education

  • 2019 - Present
    Kwame Nkrumah University of Science and Technology

    Master of Business Administration (MBA)

    I have completed full course work in MBA Finance from the KNUST and working on my thesis

  • 2005 - 2009
    University of Cape Coast

    Bachelor of Management Studies

    I have fully passed first degree Management Studies from the University of Cape Coast

Experience

  • 2022 - Present
    Prescott Medical Centre

    Finance & Account Manager

    Designed using Microsoft Excel all the books of accounts, ledgers and all models for financial reporting
    Wrote the finance and accounting policy for the company operations
    Enforced industry procurement policies building internal control mechanisms to ensure value for money is achieved
    Provides periodic financial reports and analysis to management along with financial dashboards for easy understanding of effects of a 1% change in any transaction on the bottom line and business survival
    Reviews legal instruments between the Prescott and its vendors or suppliers

  • 2020 - 2022
    MGI Microfinance Ltd

    Credit and Recovery Manager

    Designed loan review and underwriting strategies along with the credit review standards of Bank of Ghana
    Improved business processes in relation to loan monitoring and recoveries; designing strategies that dealt with reducing outstanding balances within 1 million Ghana Cedis
    Ensured yearly revenue budgets are achieved by monitoring credit team to process a minimum of 44.5 million Ghana Cedis in regular periods and 25.8 million Ghana Cedis during the COVID-19 period
    Provided Executive Management periodic reports and analysis of revenue generation abilities with projections of potential revenue generation abilities
    Monitored a team of customer service team in achieving the target of following every credit customer on weekly basis, whilst working with the team in identifying shortfalls in our credit processes and building strategies to deal with them
    Worked as team lead in ensuring accurate reporting during all Bank of Ghana periodic field examinations

  • 2017 - 2020
    MGI Microfinance Ltd

    Credit Risk Manager

    Led the business expansion and community feasibility team in working on nationwide branch expansion project and provided report on viable and potentially good communities to expand business operations
    Supported in the recruitment and training of all class of staff and assigned them to their respective branches whilst review their progress of work during their probation period and recommending them for full time positions where they meet the required standards.
    Tasked with the responsibility of strengthening the credit review processes and dealing with the high annual outstanding balances on loan, bringing them down from an all time high of 6 million Ghana Cedis to 1.8 million Ghana Cedis within a year of my promotion
    Providing executive management with periodic analysis for effective decision making

  • 2013 - 2017
    MGI Microfinance Ltd

    Branch Manager

    Working as the head of customer and branch relations in promoting and building trust among clients and team and the company to ensure the stability and growth of the branch through achieving annual revenue targets.
    Working as internal audit officer in ensuring all customer account balances were as accurate as possible dealing with all officer malfeasance through effective monitoring and training on credit underwriting best practices and effective customer monitoring from loan generation process, that is dealing with the potential of default from the onset.

  • 2011 - 2013
    MGI Microfinance Ltd

    Credit Officer

    Building new credit portfolios through identifying, educating and disbursing loans to clients and ensuring that they meet timely repayment of loans. Worked as a team player supporting all members of staff to ensure we achieved the overall target of the branch. Worked on the action plans for the branch in dealing with falling sales and rising client default turning around a near collapse branch.
    Provided quality customer service and high level professionalism in building customer relations leading to improved repayments
    I inspired team work

Skills

Customer Service Skills HTML, CSS, JavaScript, php, Microsoft office suite, Google Workspace, Software and Hardware troubles knowledge skills, cognitive and organizational skills like effective communication skills, entrepren Plant management Professional
 
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