ANITA OSEI-ANNOR

P.O. Box AN 12276, Accra, Ghana • +233 (0) 24 233 0479 • oseiannor123@yahoo.com

PROFILE
Result-oriented professional with strong communication skills who is reliable, dedicated, and honest. Able
to work under pressure and seeking a position in your establishment to enhance organizational growth.

WORK EXPERIENCE

Universal Merchant Bank, Accra, Ghana 2014 – Present

Monitoring/Quality Control Officer
 Manage accounts’ performances in line with facility and scheme agreements. Submit report to a
Head Personal Banker on customers’ performances and make recommendations for
improvements. Prepare periodic reports and conduct regular visits to companies for building
relationships and address delinquency issues.
 Prepare proposals and agreements for review by the Head Personal Banker. Acquire and generate
assets and liabilities by signing scheme agreements with organizations. Manage assigned scheme
portfolios to maintain an affable relationship with companies. Handle products’ enquiries and
perform administrative duties.
 Receive loan applications of personals and autos from all branches; vet businesses to ensure
compliance of loans to local laws, regulations and procedures and provide recommendations for
approval. Monitor scheme NPL’s; ensure loans are given only to stakeholders that have not been
blacklisted from the bank.
 Played a key role in onboarding vendors for the Bank.

 Built a healthy clientele to ensure all customers’ credit requirements are processed in line with
approved credit policy. Monitor and enhance the quality of assets to ensure ultimate earnings are
sustainable and of good quality. Develop strong cross-functional and departmental relationships to
facilitate a smooth operational management of portfolio.

 Identified operational risks and develop strategies to mitigate risk. Liaise with the Credit
Department to answer queries from the Bank of Ghana and other inspectors. Ensure total
compliance with Bank of Ghana requirements and regulations, including money laundering and
prescribed Code of Conduct as well as Ethics.

FBN Bank, Accra, Ghana 2013 – 2014

Credit Monitoring Officer
 Monitored and ensured the utilization and disbursement of funds in the business unit. Analyzed
credit reports of the business units to identify the following category of accounts such as expired
and expiring accounts, accounts operating more than approved limit, accounts with unauthorized
balances and accounts with overdue loan repayment and bank charges.
 Ensured the relationship managers regularize the exceptions identified in the credit reports within
stipulated timelines. Identified and presented non-performing accounts for Management’s
approval to classify and make appropriate provisions. Recognized and presented improved non-
performing accounts for Management’s approval to reclassify.
Enterprise Life Assurance Company Limited, Accra, Ghana 2011 – 2012
Claims Officer (Customer Service)
 Performed age and waiting period analysis on all death claim requests. Conducted preliminary
investigations into death cases from mortuaries, employers, and family members of deceased
through phone calls.
 Interacted with bereaved clients to gather enough information to help ascertain the credibility of a
death claim request. Investigated fraudulent cases following recommendations for claim requests.
 Detected fraudulent death documents submitted by clients. Submitted reports on all claim
requests on a weekly and monthly basis and paid benefit cheques into bank accounts of clients
upon request claims.

HFC Bank Ghana Limited, Accra, Ghana 2010

Intern
 Cleared cheques and balanced accounts. Attended to customers’ complaints and queries. Assisted
customers to fill out deposit slips and withdrawal forms.

EDUCATION
Chartered Institute of Credit Management (CICMG)
Chartered Credit Professional 2019

University of Cape Coast, Cape Coast, Ghana 2007 – 2011

Bachelor of Management Studies

Yaa Asantewaa Girls Senior High School, Kumasi, Ghana 2002 – 2005
Senior High School Certificate

TRAINING
 Customer Experience Management: 2023
 Time Management: 2019
 Cyber and Information Security Training: 2018
 Customer Experience Training: 2018
 Branch Profitability and Selling Skills: 2015
 Anti-Money Laundering/Combating the Financing of Terrorism: 2013
 Databank Universities Economic School: 2007

SKILLS
 Proficient in Microsoft Office Suite, Intranet, Internet Explorer, ICBA Banking software, T-24
Banking Software, JMR Genie the Banca and Vision Business Intelligence Software (Analytics).
 Fluent in English, Twi, Larteh and Guan.

REFERENCE
Jeffrey Odame Yeboah Eunice Antwi
Head, Personal Banking Manager, Learning and Development
Universal Merchant Bank MTN Ghana Limited
+233 (0) 24 469 0914 +233 (0) 24 430 4422
jeffreyodame79@gmail.com eannor25@hotmail.com