Ed Titus Johnson

Experience

• 

  FirstBank Ghana

  Sept 2012 - Aug 2014

  • Market bank products to individuals and firms, promoting bank services that may meet customers' need.• Provide special services such as investment banking for clients with more specialized needs.• Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.• Submit applications to credit analysts for verification and recommendation.• Handle customer complaints and take appropriate action to resolve them.• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.• Keep records of customer interactions or transactions, recording details of inquiries, complaints, or comments, as well as actions taken. Show less •Responsible for processing facility applications, review and approving excess requests within given delegated authority.•Ensuring high service standards are maintained while underwriting in compliance relevant credit policies, within set TAT guidelines and minimum error thresholds.•Exercising diligence, independence and good judgement in credit decision that will ensure quality RB portfolio with minimum delinquency and LI. •Monitoring and tracking excesses/past due trade facilities, ensuring a healthy portfolio. Show less

  • Relationship Officer | Corporate Banking

    Jul 2013 - Aug 2014

  • Quality Assurance Officer | Business Banking

    Sept 2012 - Jul 2013
• 

  NIB-Ghana

  Sept 2014 - Dec 2021

  • Led the credit risk evaluation team to oversee risk management of the Bank’s Corporate & SME credit portfolio, including the identification and ongoing monitoring of current and emerging risks and escalation to key stakeholders where appropriate.• Structured over 400 credit facilities across SME & Corporate institutions, notably a USD31.5M auto scheme loan and a GHS31M agro outgrower scheme loan.• Identified, re-evaluated and restructured over 900 retail loans thereby reducing the Bank’s PPL portfolio by 8%.• Developed comprehensive reports by identifying data, defining key metrics, and leveraging Power BI, enabling data informed decision making by senior management and board.• Collaborated in the update of the Bank’s credit policy in line with needs and industry trends.• Liaised with Finance and Risk Control in loan portfolio reconciliation and the monthly calculation of the Bank’s impairment position and provisions.• Organized monthly Watchlist and Portfolio Quality Review meetings.• Deputized for Head, Credit Risk. Show less · Sensitized over 200 businessess and other salaried workers on financial literacy to aid them qualify for loans to boost their business operations and to undertake personal projects. Over GHS30 million was given in loans.· Grew existing client’s overall loans and deposits value by 250% through consultative sales which revitalised businesses. · Implemented strategies that led to a record 98% loan collections through thorough analysis of applicants’ financial status and collateral evaluation for credit worthiness and potential.· Prepared call and status reports and ensured they are submitted on a timely basis.· Facilitated the timely disbursement of all loans and renewal of overdraft facilities through constantly engaging with customers to gather relevant documentations for the appraisal process.· Developed innovative methods to entrench the relationship with Clients to provide relevant solutions to their needs so the Bank becomes the bank of choice for their loans, investment and other auxiliary banking services. Over 50 dormant accounts revived over the period. Show less

  • Credit Risk Analyst | Corporate & Development Banking Portfolio

    Jan 2016 - Dec 2021

  • Credit Officer | SME Banking

    Sept 2014 - Jan 2016
• 

  Data Unicorns

  Jan 2022 - now

  Business Analyst

  ● Ran detailed financial analysis to evaluate resource allocation and reduced overall cost by 12%.● Completed 7 Lean Six Sigma projects that enhanced Ultra Group's effectiveness, recouping $26k in six months.● Conducted a comprehensive analysis of sales and inventory data, identifying and implementing supply chain improvements that resulted in $75K in annual savings for Samsel Ventures Ltd.● Reconciled about 91% discrepancy in the health plan cost of 1.5k clients after resolving a 9-month recurring complex data mapping issue for Humana Clinic. Show less

• 

  Ultra Consult

  Feb 2022 - now

  Consultant

  • Consulting and training in Credit Risk and Relationship Management.

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  M-KOPA

  Sept 2022 - now

  Credit Analyst

  Provide Strategic Leadership to the Credit Risk and Portfolio Analytics, Fraud Analytics and Collections teams regarding the Ghana market, with a core responsibility of maximizing value from the loan portfolio.